Cheapest 2009 Honda Odyssey Insurance Rates in 2023

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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 4, 2023

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Paying for high-priced Honda Odyssey insurance can take a big chunk out of your checking account and put a big crunch on your finances. Comparison shopping is a smart way to reduce premiums and put more money in your pocket.

Numerous insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare insurance companies and uncover the absolute cheapest price

Smart consumers take time to do rate comparisons occasionally because rates are variable and change quite frequently. If you had the best rates on Odyssey insurance a few years ago there may be better deals available now. There is a lot of bad advice regarding car insurance on the web, but I’m going to show you a bunch of ideas how to put money back in your pocket.

Discounts mean cheaper Honda Odyssey insurance rates

Car insurance companies do not list every discount very clearly, so here is a list some of the best known and also the lesser-known ways to save on car insurance.

  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy could earn a price break for each car.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • Auto/Home Discount – If you have multiple policies with the same company you will save up to 20% off your total premium.
  • Auto/Life Discount – Larger companies have better rates if you take out a life insurance policy as well.
  • Defensive Driving Course – Completing a defensive driving course can save you 5% or more if you qualify.
  • Federal Government Employee – Active or retired federal employment could cut as much as 10% off on Odyssey insurance depending on your company.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.

Drivers should understand that most discount credits are not given to the entire cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

A partial list of companies that may offer some of the above discounts include:

  • Farm Bureau
  • MetLife
  • Progressive
  • AAA
  • American Family
  • State Farm

Double check with each insurance company which discounts they offer. All car insurance discounts may not apply in every state.

Tailor your coverage to you

When choosing coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help highlight if your situation would benefit from an agent’s advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I have coverage when making deliveries for my home business?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Are rock chip repairs covered?
  • How much liability insurance is required?
  • Is my babysitter covered when using my vehicle?
  • Should I sign the liability waiver when renting a car?
  • Does my car insurance cover rental cars?
  • Can I get a multi-policy discount?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

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Auto insurance specifics

Having a good grasp of auto insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types available from auto insurance companies.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for prosthetic devices, hospital visits, pain medications, EMT expenses and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage

This covers damage to your Odyssey from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a parking meter, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Auto liability insurance

This protects you from injuries or damage you cause to people or other property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as legal defense fees, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Comprehensive coverage

This pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as rock chips in glass, damage from a tornado or hurricane, a broken windshield and theft. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Be a penny pincher

In this article, we presented some good ideas how to compare 2009 Honda Odyssey insurance prices online. The key concept to understand is the more times you quote, the better your comparison will be. You may even find the most savings is with the smaller companies. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.

Discount insurance can be sourced both online as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. Some insurance coverage companies don’t offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

To read more, link through to the articles below:

  • Distracted Driving Statistics (Insurance Information Insitute)
  • Things to Know Before you Cancel Insurance (Allstate)
  • Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
  • Side Impact Crash Tests (

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Frequently Asked Questions

How can I find the cheapest auto insurance rates for my 2009 Honda Odyssey in 2023?

To find the cheapest auto insurance rates for your 2009 Honda Odyssey, you can use our free quote tool. Simply enter your zip code, and you will receive quotes from multiple companies that offer affordable rates for your specific location and vehicle.

What factors should I consider when comparing insurance quotes for my Honda Odyssey?

When comparing insurance quotes for your Honda Odyssey, consider factors such as coverage limits, deductibles, and the reputation and financial stability of the insurance companies. It’s also important to review the specific coverage options included in each quote to ensure they meet your needs.

Are there any discounts available to lower my Honda Odyssey insurance rates?

Yes, many insurance companies offer discounts that can help lower your Honda Odyssey insurance rates. Some common discounts include safe driver discounts, multi-policy discounts, good student discounts, and discounts for safety features in your vehicle. Be sure to ask each insurance company about the discounts they offer.

How do I tailor my auto insurance coverage to my specific needs?

To tailor your auto insurance coverage to your specific needs, consider factors such as your budget, the value of your vehicle, and your risk tolerance. You may want to adjust your coverage limits, deductibles, and add or remove optional coverages based on your individual circumstances.

What are the typical coverage types available in an auto insurance policy?

Auto insurance policies typically include coverage types such as liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage. Each of these coverages provides protection for different situations, so it’s important to understand what each coverage entails and how it applies to your Honda Odyssey.

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