2019 Honda Odyssey Insurance Rates
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UPDATED: Apr 9, 2020
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Average insurance rates for a 2019 Honda Odyssey are $1,318 a year including full coverage. Comprehensive insurance costs approximately $256 a year, collision insurance costs $506, and liability costs around $398. Buying a liability-only policy costs as low as $460 a year, and high-risk insurance costs $2,868 or more. Teen drivers receive the highest rates at up to $5,002 a year.
Annual premium for full coverage: $1,318
Rate estimates for 2019 Honda Odyssey Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2019 Honda Odyssey models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as low as $460 for the bare minimum liability coverage to a high of $2,868 for high-risk insurance.
These differences highlight why it is important for drivers to compare prices using their specific location and risk profile, instead of using price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2019 Honda Odyssey Insurance
Searching for lower car insurance rates for your Honda Odyssey? Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? It’s quite common and there are a lot of people just like you who feel imprisoned by their car insurance policy.
Because there are so many insurance providers from which to choose, it is very difficult to locate the right car insurance provider.
Smart consumers take time to check car insurance prices every six months since rates are constantly changing. Just because you found the lowest premium rates for Odyssey insurance two years ago there is a good chance you can find better prices now. Ignore everything you know about car insurance because we’re going to demonstrate the quickest way to find great coverage at a great price.
The purpose of this article is to let you in on how car insurance quotes work and some money-saving tips. If you have car insurance now, you will be able to cut costs considerably using these techniques. But consumers do need to know how the larger insurance companies market insurance on the web because it can help you find the best coverage.
The cheapest car insurance
There are a variety of methods to compare car insurance quotes, and some are less time-consuming than others. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you could save time and use the web to get pricing more quickly.
The majority of car insurance companies belong to a marketplace where prospective buyers complete one form, and each company then gives them pricing based on the submitted data. This saves time by eliminating quotation requests for each company. To find out what other companies charge enter your zip code here.
The only downside to getting quotes like this is that consumers can’t choose which providers you want to price. So if you want to choose specific providers to request quotes from, we have a page of the cheapest car insurance companies in your area. Click to enter zip code for insurance companies.
Which method you use is up to you, but be sure to compare exactly the same quote data with every price quote. If you compare unequal deductibles or liability limits it’s impossible to truly determine the lowest rate. Just a small difference in coverages can mean a large discrepancy in price. And when price shopping your coverage, comparing more quotes helps you find a better price.
Insurance myths debunked
Companies like 21st Century, Allstate and State Farm endlessly run ads on TV and radio. They all seem to say the same thing that drivers will save a bundle if you switch your policy. But how can every company have lower policy pricing?
Companies have underwriting criteria for the type of driver that will be a good risk. An example of a desirable insured could be between the ages of 30 and 45, has never had a claim, and drives less than 5,000 miles a year. Any customer who fits those characteristics will get the preferred premium rates and therefore will save some money.
People who are not a match for those criteria will probably have to pay higher premium rates and the driver buying from a lower-cost company. The wording the ads use say “drivers that switch” but not “everyone who gets a quote” save the amount stated. That’s the way insurance companies can confidently make it sound like they have such great prices.
Because of the profiling, you really should compare many company’s prices. You cannot predict the company that will fit your personal profile best.
Are you receiving every discount?
Car insurance companies don’t list their entire list of discounts in a way that’s easy to find, so the next list breaks down both well-publicized and the harder-to-find credits available to lower your premiums when you buy insurance coverage online. If you do not double check each discount possible, you could be getting lower rates.
- Low Mileage – Fewer annual miles on your Honda may enable drivers to earn better rates on cars that stay parked.
- Accident Free – Drivers who don’t have accidents pay less in comparison with frequent claim filers.
- Drive Safe and Save – Insureds without accidents may receive a discount up to 45% for Odyssey insurance than their less cautious counterparts.
- Paperless Signup – Some of the larger companies may give you up to $50 for buying a policy and signing up on their website.
- Multi-car Discount – Purchasing coverage when you have multiple vehicles with the same auto insurance company can reduce the rates for all insured vehicles.
- Buy New and Save – Buying coverage on a new vehicle can save up to 30% since newer vehicles are generally safer.
- Save over 55 – Older drivers could receive lower premium rates for Odyssey insurance.
- Defensive Driving Course – Participating in a course in safe driver could save 5% or more if your company offers it.
- Student Discounts – Maintaining excellent grades may save as much as 25% on a insurance coverage quote. The good student discount can last until age 25.
- Accident Waiver – Not really a discount, but some insurance companies will let one accident slide before they charge you more for coverage if you have no claims for a specific time period.
You can save money using discounts, but many deductions do not apply to the overall cost of the policy. A few only apply to specific coverage prices like comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.
If you would like to see a list of insurers that can offer you the previously mentioned discounts, enter your zip code here.
When in doubt talk to an agent
When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every situation is different and your policy should reflect that. For example, these questions may help you determine whether you may require specific advice.
- What is medical payments coverage?
- Do I need rental car coverage?
- Are my friends covered when driving my 2019 Honda Odyssey?
- Is my teen driver covered when they drive my company car?
- Can my babysitter drive my car?
- Is pleasure use cheaper than using my 2019 Honda Odyssey to commute?
- Am I covered when driving someone else’s vehicle?
- Does my personal policy cover me when driving out-of-state?
- How do I file an SR-22 for a DUI in my state?
- Do I have coverage for damage caused while driving under the influence?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out your zip code.
Car insurance coverage considerations
Learning about specific coverages of a car insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages offered by car insurance companies.
Liability coverages – This protects you from damage that occurs to other people or property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage protects against claims like legal defense fees, bail bonds, court costs and attorney fees. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Honda Odyssey.
Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Collision – This coverage will pay to fix damage to your Odyssey resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for claims like damaging your car on a curb, colliding with a tree, driving through your garage door, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for pain medications, dental work, hospital visits, EMT expenses and surgery. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as hitting a bird, damage from flooding, damage from a tornado or hurricane, falling objects and damage from getting keyed. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
One last thing about your coverage
We’ve covered quite a bit of information on how to save on 2019 Honda Odyssey insurance. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the best price on car insurance is with a smaller regional carrier. These smaller insurers may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.
Affordable 2019 Honda Odyssey insurance is attainable on the web as well as from independent agents, so you need to quote insurance coverage with both to get a complete price analysis. Some insurance providers may not have rate quotes online and usually these smaller providers provide coverage only through independent insurance agents.
More tips and info about car insurance is located by following these links:
Rates by U.S. City
|New York City, NY||$2,088|
|Los Angeles, CA||$2,256|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$97|
|5-yr Claim Free||$85|
|Paid in Full/EFT||$60|
Discounts are estimated and may not be available from every company or in every state.