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 prices for a Honda Odyssey are $1,328 every 12 months including full coverage. Comprehensive insurance costs around $268, collision insurance costs $512, and liability coverage is $390. Liability-only insurance costs around $452 a year, and high-risk driver insurance costs $2,876 or more. Teenage drivers pay the most at up to $4,992 a year.

Average premium for full coverage: $1,328

Premium estimates for type of coverage:

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for different Odyssey trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, rather than using average rates.

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

Additional Rate Details

The chart below breaks down average Honda Odyssey insurance rates for additional coverage choices and driver risks.

• The best discount rate is $763
• Raising to $1,000 deductibles will save about $178 every year
• The average price for a 40-year-old good driver using $500 deductibles is $1,328
• Using more expensive low deductibles costs an extra $342 each year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,876
• An auto insurance policy to insure a teenage driver with full coverage can be $4,992

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Insurance prices for a Honda Odyssey also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles can reduce prices by up to $520 a year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $351 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay as much as $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 additional annually, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 134% more than a normal policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Honda Odyssey insurance rates. A middle-age driver might find prices as low as $1,020 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,890 on average in Michigan, New York, and Louisiana.

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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

Finding better rates on auto insurance consists of being a good driver, having above-average credit, refrain from filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates at every other renewal by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The following list is a brief recap of the concepts that were covered above.

• Drivers who tend to receive serious violations could be forced to pay on average $1,550 more every year than a safer driver
• Drivers age 16 to 20 are charged the highest prices, with the cost nearing $416 per month if full coverage is included
• You may be able to save up to $160 per year just by shopping early and online
• Increasing policy deductibles could save as much as $525 each year
• You may be able to save up to $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.

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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