Cheapest 2004 Honda Odyssey Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

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Searching for cheaper insurance for your Honda Odyssey can turn out to be a lot of work, but you can learn these tips to save time.

There are both good and bad ways to buy auto insurance so we’re going to tell you the absolute fastest way to quote coverages for a Honda and find the best price possible either online or from local insurance agents.

Finding Insurance Deals

Shopping for lower insurance rates can be a lot of work if you don’t know the best way to get rate quotes. You can spend countless hours discussing policy coverages with agents in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

Most of the larger companies are enrolled in a marketplace where prospective buyers send in one quote, and each participating company returns a competitive quote based on that information. This eliminates the need for repetitive form submissions to every company. To submit your quote information now, click here (opens in new window).

The one downside to getting quotes like this is you cannot specify the companies you want pricing from. So if you want to choose individual companies to request quotes from, we have a page of companies who write insurance in your area. Click to view list.

Whichever method you choose, make sure you use exactly the same coverage limits for each price quote. If the quotes have different deductibles it will be impossible to make a fair comparison for your Honda Odyssey.

Don’t miss these five discounts

Car insurance can cost a lot, but companies offer discounts to cut the cost considerably. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be asked for before you will receive the discount. If you’re not getting every credit possible, you’re paying more than you need to.

  • New Vehicle Savings – Insuring a new car can save up to 30% since new cars are generally safer.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Distant Student – Any of your kids who are attending college and don’t have a car may be able to be covered for less.
  • Life Insurance Discount – Larger companies have a discount if you purchase life insurance.
  • Memberships – Being a member of a professional or civic organization may earn a discount when shopping for insurance coverage on Odyssey coverage.

It’s important to note that most credits do not apply to your bottom line cost. A few only apply to specific coverage prices like comprehensive or collision. Even though it may seem like you could get a free insurance coverage policy, companies don’t profit that way. But all discounts will help reduce the amount you have to pay.

To see a list of companies with the best insurance coverage discounts, click this link.

When might I need help?

When it comes to buying the best auto insurance coverage, there isn’t really a best way to insure your cars. Every situation is different.

For instance, these questions might point out if your situation would benefit from professional advice.

  • Is my dog or cat covered if injured in an accident?
  • What is covered by UM/UIM coverage?
  • Am I covered if I break a side mirror?
  • What if I owe more than I can insure my car for?
  • Am I covered when pulling a rental trailer?
  • Is my nanny covered when driving my vehicle?
  • Can I rate high risk drivers on liability-only vehicles?

If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Free Auto Insurance Comparison

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Car insurance coverages for a 2004 Honda Odyssey

Having a good grasp of a car insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverage

This pays for damage to your Odyssey caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as driving through your garage door, rolling your car, scraping a guard rail and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as falling objects, a broken windshield, vandalism and damage from getting keyed. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.


Liability insurance protects you from damage or injury you incur to other’s property or people in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like repair bills for other people’s vehicles, repair costs for stationary objects, attorney fees and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for EMT expenses, X-ray expenses, nursing services and surgery. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.

What is YOUR best insurance company?

You just learned a lot of information how to get a better price on 2004 Honda Odyssey insurance. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the best price on car insurance is with a lesser-known regional company.

When you buy insurance online, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice liability coverage limits to discover at claim time they didn’t have enough coverage. The aim is to buy the best coverage you can find at the best price.

Affordable insurance can be sourced from both online companies and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

Much more information about car insurance is available at the links below

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

How can I find the cheapest insurance for my 2004 Honda Odyssey?

To find the cheapest insurance for your 2004 Honda Odyssey, you can follow a few steps. Start by comparing quotes from different insurance providers. Additionally, consider the coverage options you need and explore any discounts you may be eligible for. Maintaining a clean driving record and a good credit score can also help lower your insurance premiums.

What coverage options should I consider for my 2004 Honda Odyssey?

When insuring your 2004 Honda Odyssey, it’s important to consider the coverage options that suit your needs. Basic coverage typically includes liability insurance, which covers damages to others if you’re at fault in an accident. Additionally, you may want to consider collision coverage, which helps repair or replace your vehicle in the event of a collision, and comprehensive coverage, which protects against non-collision incidents like theft or vandalism.

Are there any specific discounts available for insuring a 2004 Honda Odyssey?

Yes, insurance providers often offer various discounts that you may qualify for when insuring your 2004 Honda Odyssey. Common discounts include multi-policy discounts for bundling your car insurance with other policies, such as homeowners insurance. You may also be eligible for a safe driver discount if you have a clean driving record, or a low-mileage discount if you don’t drive your Honda Odyssey extensively.

Does the age of my 2004 Honda Odyssey affect the insurance rates?

Yes, the age of your vehicle can impact insurance rates. Generally, older vehicles like a 2004 Honda Odyssey may have lower insurance premiums compared to newer models. This is because the value of the vehicle decreases over time, making it less costly to repair or replace. However, other factors such as the car’s safety features, mileage, and the driver’s record also contribute to the insurance rates.

What steps can I take to reduce insurance costs for my 2004 Honda Odyssey?

To help reduce insurance costs for your 2004 Honda Odyssey, you can consider the following steps:

  1. Shop around and compare quotes from multiple insurance providers.
  2. Opt for a higher deductible, which can lower your premium but increases your out-of-pocket expenses in the event of a claim.
  3. Take advantage of available discounts, such as safe driver discounts or multi-policy discounts.
  4. Maintain a clean driving record to demonstrate responsible driving habits.
  5. Consider installing safety features or anti-theft devices in your vehicle, as they may make you eligible for additional discounts.

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