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.

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

Average premium for full coverage: $1,318

Price estimates by individual coverage:

These estimates include $500 deductible amounts, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all Odyssey models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. Rural locations have lower incidents of collision claims than cities with more traffic congestion.

The example below illustrates how where you live affects auto insurance prices.

The ranges above demonstrate why everyone should compare prices using their specific location, instead of using averaged prices.

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

Rate Comparisons

The chart below details estimated Honda Odyssey insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $757
• Using higher $1,000 deductibles will save $170 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,318
• Selecting pricier low deductibles for physical damage coverage will cost an additional $340 every year
• Drivers with serious driving violations could pay around $2,868 or more
• The price that insures a teen driver for full coverage can cost $5,002 or more

View Chart as Image

Auto insurance prices for a Honda Odyssey are also quite variable based on the model of your Odyssey, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 in extra premium each year, depending on your age. Honda Odyssey insurance for high-risk drivers can be as much as 44% to 135% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,000 a year. View Rates by Age

The state you live in has a huge impact on Honda Odyssey insurance prices. A driver around age 40 might see prices as low as $950 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,780 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $510 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see which company has the best price. Each insurance company calculates prices differently, and quoted prices may be quite different.

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 Cheap Honda Odyssey Insurance

Getting lower rates on car insurance requires having a good driving record, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Compare rates every year by getting rate quotes from direct companies, and also from local insurance agencies.

The next list is a brief summary of the coverage data touched on in the above illustrations.

• You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $500 each year
• Drivers age 20 and younger have the highest car insurance prices, costing up to $417 a month if the policy includes full coverage
• Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,550 more per year to buy Honda Odyssey insurance

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.

• Chrysler Pacifica Insurance Rates
• Chrysler Pacifica Hybrid Insurance Rates
• Dodge Grand Caravan Insurance Rates

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