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 prices for a Honda Odyssey are $1,318 every 12 months for full coverage insurance. Comprehensive insurance costs on average $256, collision insurance costs $506, and liability costs $398. Buying just liability costs as little as $460 a year, and insurance for high-risk drivers costs $2,868 or more. Teenage drivers pay the highest rates at up to $5,002 a year.

Average premium for full coverage: $1,318

Price estimates by individual coverage:

Rate estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for different Odyssey trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on insurance rates. Rural areas have more infrequent physical damage claims than densely populated cities. The price range example below illustrates how geographic area affects car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, instead of using average rates.

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

Additional Rate Information

The chart below illustrates average Honda Odyssey insurance rates for different risk profiles and scenarios.

• The best discount rate is $757
• Drivers who choose higher $1,000 deductibles will pay around $170 each year
• The average price for the average middle-age driver with $500 deductibles is $1,318
• Using more expensive low deductibles for comprehensive and collision insurance costs an extra $340 every year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,868
• The price to insure a teen driver with full coverage may cost $5,002 a year

View Chart as Image

Insurance prices for a Honda Odyssey are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your Odyssey.

Using high physical damage deductibles could save up to $510 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,200 additional each year, depending on your age. High-risk driver insurance can cost as much as 44% to 135% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Honda Odyssey insurance prices. A 40-year-old driver could pay as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,780 on average in Michigan, New York, and Florida.

View Chart as Image

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 Shop for the Best Honda Odyssey Insurance

Getting lower rates on car insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to compare rates at every other renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a brief recap of the concepts that were presented in the illustrations above.

• Higher risk drivers who tend to receive serious violations pay on average $1,550 more each year for Odyssey insurance
• Teens pay higher prices, as much as $417 a month if full coverage is included
• It is possible to save as much as $160 per year just by shopping early and online
• Increasing physical damage deductibles could save as much as $500 each year
• It is possible to save as much as $160 per year just by shopping 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.

• 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