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 for full coverage. Comprehensive insurance costs approximately $268 a year, collision costs $512, and liability costs $390. A policy with only liability insurance costs as little as $452 a year, with a high-risk policy costing $2,876 or more. 16-year-old drivers pay the most at $4,992 a year or more.

Average premium for full coverage: $1,328

Premium estimates by type of coverage:

Price estimates include $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and Odyssey trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than congested cities.

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

These rate differences show why it is important to compare rates using their specific location and their own driving history, instead of using rate averages.

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

Rates by State, City, and Model

The chart below shows estimated Honda Odyssey insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $763
• Drivers who choose higher $1,000 deductibles will pay $1,150 a year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,328
• Buying low $100 deductibles for comprehensive and collision insurance costs an extra $342 every year
• Higher-risk drivers with multiple tickets or accidents could pay around $2,876 or more
• An auto insurance policy to insure a teen driver can cost $4,992 a year

View Chart as Image

Car insurance prices for a Honda Odyssey also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Odyssey.

Opting for high physical damage deductibles could save up to $520 every year, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 134% more than the average rate. View High Risk Driver Rates

Where you choose to live makes a big difference in Honda Odyssey insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Iowa, Maine, and Idaho, or at least $1,890 on average in New York, Louisiana, and Michigan.

View Chart as Image

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes and see which company has the best price. Every company utilizes a different rate formula, so rate quotes 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 Shop for Cheaper Honda Odyssey Insurance

Finding better rates on car insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Take the time to compare rates at least every other year by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The following is a condensed summary of the car insurance concepts covered in the above illustrations.

• Higher risk drivers with multiple at-fault accidents may pay on average $1,550 more per year for Odyssey insurance
• Drivers can save around $160 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $525 each year
• Policyholders who purchase higher liability limits will pay around $430 each year to go from 30/60 bodily injury limits to a 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