Honda Odyssey Insurance Rates

One of the frequently asked coverage questions is how much does it cost to insure a Honda Odyssey? The average insurance cost for an Odyssey is $1,342 a year, or $111 a month. Learn what you can do to find cheap Honda Odyssey car insurance rates in our guide.

If you want to start comparing everything from the 2015 Honda Odyssey insurance cost to the 2018 Honda Odyssey insurance rates to 2007 Honda Odyssey trim levels’ rates, enter your ZIP code in our free tool above.

Average insurance rates for a Honda Odyssey are $1,318 a year with full coverage. Comprehensive insurance costs on average $256, collision costs $506, and liability costs $398. Liability-only coverage costs as little as $460 a year, with high-risk coverage costing $2,868 or more. Teens receive the highest rates at $5,002 a year or more.

Average premium for full coverage: $1,318

Rate estimates by individual coverage type:

Includes $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Odyssey models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates how your location can change car insurance rates.

These examples demonstrate why everyone should compare rates based on a specific location and risk profile, instead of using averaged prices.

Use the form below to get customized rates for your location.

More Rate Details

The chart below details estimated Honda Odyssey insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $757
• Drivers who choose higher $1,000 deductibles will pay around $170 annually
• The average rate for a 40-year-old driver with $500 deductibles is $1,318
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $340 every year
• Higher-risk drivers with serious driving violations could pay upwards of $2,868 or more
• The cost for full coverage for a teen driver for full coverage may cost $5,002 a year

View Chart as Image

Car insurance rates for a Honda Odyssey can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $5,000 a year. View Rates by Age

Where you live makes a big difference in Honda Odyssey insurance prices. A 40-year-old driver could pay as low as $950 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,780 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $510 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,200 extra per year, depending on your age. Honda Odyssey insurance for high-risk drivers can cost as much as 44% to 135% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out exactly what you will pay is to regularly compare rates and see which company has the best rate. Every company calculates rates differently, so rate quotes can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Cheapest Honda Odyssey Insurance

Saving money on car insurance not only requires avoiding accidents and claims, but also having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at least once a year by requesting quotes from direct companies like GEICO and Progressive, and also from local insurance agents.

The points below are a recap of the primary concepts that were illustrated above.

• You may be able to save as much as $160 per year simply by quoting online well ahead of the renewal date
• Higher risk drivers that have major violations or accidents may be required to pay an average of $1,550 more each year to insure a Honda Odyssey
• Increasing deductibles can save around $500 each year
• Drivers under the age of 20 are expensive to insure, with premiums as much as $417 per month if full coverage is included

Honda Odyssey insurance costs can be reduced by shopping around for quotes. It can also help you decide what model year you want to buy, as you can find everything from 2003 Honda Odyssey price ranges to 2005 Honda Odyssey price ranges.

So if you are ready to find out various prices, such as how much does 2010, 2015, or 2016 Honda Odyssey cost to insure, enter your ZIP code in our free tool below.

What are the safety ratings of the Honda Odyssey?

The cost of a new Honda Odyssey may be more expensive if there are multiple safety features. The good news is that great Honda Odyssey safety ratings and features mean cheaper insurance rates. The Honda Odyssey has some good safety features, such as various protective airbags, brake assist, electronic stability control, and traction control.

The Insurance Institute of Highway Safety (IIHS) also gave the Honda Odyssey a 2019 Top Safety Pick award, as it has the following crash test ratings:

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

Keep in mind that a Honda Odyssey that is older may not have as good of a crash test rating. Watch the video below to see how the IIHS crash-tested the Honda Odyssey.

Honda Odyssey Compared Against Other Vehicles in the Same Class

So how much is a Honda Odyssey to insure with liability insurance? What are the affordable Honda Odyssey car insurance options? The answer depends on the vehicle class. The Honda Odyssey is a very large minivan, which means it can easily do damage to other vehicles. Luckily, the IIHS found that in comparison to other very large minivans, the Honda Odyssey’s liability insurance losses were significantly better than average.

This means that the cost of insurance for a Honda Odyssey should be cheaper than other very large minivans, regardless of whether you are looking at Honda Odyssey 2005 costs or 2016 or 2015 Honda Odyssey prices paid. To see how much other very large minivans cost to insure, view the list below.

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Ready to jump into finding out how much does a 2015 Honda Odyssey cost or how much is a 2011 Honda Odyssey cost to insure? Shopping for rates will give you a better idea of what average rates are for a Honda Odyssey. Enter your ZIP code in our free tool to get started and get a Honda Odyssey insurance quote today.

References

1. https://www.iihs.org/ratings/vehicle/honda/odyssey-minivan/2020