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.

Estimated insurance rates for a Honda Odyssey are $1,328 a year including full coverage. Comprehensive costs an estimated $268, collision costs $512, and liability costs $390. Liability-only insurance costs as little as $452 a year, with high-risk driver insurance costing around $2,876. Teens pay the most at $4,992 a year or more.

Average premium for full coverage: $1,328

Premium estimates broken down by type of coverage:

Estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for all Odyssey models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on insurance prices.

These rate differences highlight why everyone should compare rates for a targeted area, instead of using averaged prices.

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

Rates by State, City, and Model

The chart below breaks down estimated Honda Odyssey insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $763
• Drivers who choose higher $1,000 deductibles will pay approximately $178 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,328
• Selecting pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,670
• Higher-risk drivers with serious driving violations could pay up to $2,876 or more
• An auto insurance policy that insures a teen driver for full coverage can cost as much as $4,992 a year

View Chart as Image

Insurance prices for a Honda Odyssey also have a wide range based on the model of your Odyssey, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,600 to $2,200 additional annually, depending on your age. Honda Odyssey insurance for high-risk drivers can cost as much as 44% to 134% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $4,900 a year. View Rates by Age

Where you choose to live makes a big difference in Honda Odyssey insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,890 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $520 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $351 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out which insurance company is cheapest is to regularly compare prices and see which company has the best price. Every company calculates prices differently, and prices will be substantially 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 Low Cost Honda Odyssey Insurance

Finding better rates on car insurance not only requires avoiding accidents and claims, but also having a good credit score, refrain from filing small claims, and maximizing policy discounts. Compare rates every couple of years by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a review of the material that was covered in the above illustrations.

• Policyholders who want increased liability limits will pay approximately $430 per year to go from 30/60 bodily injury limits to the 250/500 level
• Drivers under the age of 20 are expensive to insure, with the cost nearing $416 per month if comprehensive and collision insurance is included
• Higher risk drivers who have several accidents or serious violations could be charged and average of $1,550 more annually to insure a Honda Odyssey
• Increasing policy deductibles can save approximately $525 each year

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