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 $1,316 a year including full coverage. Comprehensive costs an estimated $248 a year, collision costs $494, and liability costs around $416. Liability-only coverage costs as low as $474 a year, with high-risk coverage costing around $2,866. Teenage drivers receive the highest rates at $5,024 a year or more.

Average premium for full coverage: $1,316

Rate estimates broken down by individual coverage type:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Odyssey trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how your location can change insurance prices.

These examples highlight why it is important to compare prices for a targeted area and risk profile, instead of using average rates.

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

More Rate Details

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

• The best discount rate is $758
• Using higher $1,000 deductibles will save approximately $1,148 every year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,316
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,646
• Drivers who are prone to accidents and violations could pay up to $2,866 or more
• The cost for full coverage for a teen driver can cost as much as $5,024 or more

View Chart as Image

Car insurance rates for a Honda Odyssey can also vary considerably based on your driver profile, the model of your Odyssey, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $5,000 a year. View Rates by Age

Where you live has a huge impact on Honda Odyssey insurance prices. A driver around age 40 might see rates as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,880 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $500 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 135% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out which company is cheapest is to get quotes and see which company has the best rate. Each insurance company uses a different method to calculate rates, 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 Cheap Honda Odyssey Insurance

Saving money on car insurance requires being a good driver, having above-average credit, not filing small claims, and not having any coverage lapses. Invest the time to shop around every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The following list is a brief summary of the ideas that were illustrated above.

• Drivers age 16 to 20 have the highest car insurance rates, as much as $419 per month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,550 more annually than a safer driver
• Increasing deductibles can save around $500 each year
• You may be able to save approximately $160 per year simply by quoting early and online

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