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 for full coverage. Comprehensive costs an estimated $256, collision insurance costs $506, and liability costs around $398. Buying just liability costs as low as $460 a year, and insurance for high-risk drivers costs around $2,868. Teens pay the highest rates at up to $5,002 a year.

Average premium for full coverage: $1,318

Price estimates broken down by individual coverage:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for different Odyssey trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on insurance rates. More rural locations have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates how where you live affects insurance prices.

The ranges above show why anyone shopping for car insurance should compare prices for a targeted area, instead of using averaged prices.

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

Rate Comparisons

The chart below shows average Honda Odyssey insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $757
• Using higher $1,000 deductibles will save approximately $170 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,318
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,658
• Drivers with serious driving violations could pay up to $2,868
• The price that insures a teen driver with full coverage can cost as much as $5,002 or more

View Chart as Image

Insurance prices for a Honda Odyssey are also quite variable based on the model year and trim level, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,600 to $2,200 additional each year, depending on your age. High-risk driver insurance can be as much as 44% to 135% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents 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 should be prepared to pay at least $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 $870 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,880 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $510 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 more each year. View Rates by Deductible or Liability Limit

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 Affordable Honda Odyssey Insurance

Getting lower rates on car insurance requires avoiding accidents and claims, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Compare rates every time your policy renews by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The points below are a brief review of the information touched on in the above illustrations.

• Drivers can save approximately $160 per year just by shopping early and online
• Drivers under the age of 20 are expensive to insure, with premiums as much as $417 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles can save approximately $500 each year
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,550 more annually to insure a Honda Odyssey
• Policyholders who want increased liability limits will pay approximately $440 each year to increase from a low limit to the 250/500 level

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