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 $1,252 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $218, collision insurance costs $424, and liability is estimated at $452. A policy with only liability insurance costs approximately $504 a year, and a high-risk policy costs $2,726 or more. Teens pay the most at up to $4,868 a year.

Average premium for full coverage: $1,252

Premium estimates broken down by type of coverage:

Price estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all Odyssey models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion. The example below illustrates the difference location can make on insurance prices.

These rate differences illustrate why everyone should get quotes for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $725
• Choosing higher $1,000 deductibles can save approximately $144 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,252
• Selecting pricier low deductibles for comp and collision coverage costs an extra $284 annually
• Higher-risk drivers with serious driving violations could pay up to $2,726
• An auto insurance policy to insure a 16-year-old driver for full coverage can cost as much as $4,868 each 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 risk profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $430 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,500 to $2,100 extra annually, depending on your age. Honda Odyssey insurance for high-risk drivers ranges from 43% to 133% more than the average policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Honda Odyssey insurance prices. A good driver about age 40 could pay as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,690 on average in Florida, New York, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2018 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 insurance for a Honda Odyssey takes being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Make time to compare rates every couple of years by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The items below are a condensed summary of the material that was touched on in this article.

• Insureds who want more liability coverage will pay approximately $500 annually to raise limits from 30/60 bodily injury limits to a 250/500 level
• Teen drivers have the highest car insurance prices, with premiums being up to $406 per month if the policy includes full coverage
• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,470 more annually to insure their Odyssey
• Increasing policy deductibles could save as much as $425 each year

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