Compare 2022 Honda Odyssey Car 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: May 17, 2024

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Searching for better insurance coverage rates for your Honda Odyssey? Expensive Honda Odyssey insurance can deplete your monthly budget and possibly require postponing other expenditures.

Due to the fact that there are so many insurance coverage companies to choose from, it can be impossible to find the lowest cost insurance coverage company.

Informed consumers save every year

When buying insurance it’s important to understand some of the things that are used to determine your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that could result in better insurance rates.

The itemized list below are some of the most rate-impacting factors used by your company to calculate prices.

  • Teenagers vs. older drivers – Older insureds are proven to be safer behind the wheel, tend to file fewer claims and tend to be get fewer driving tickets. Young drivers are statistically shown to be inattentive and easily distracted when driving with friends so insurance rates are higher.
  • Consider raising comp and collision deductibles – Insurance for physical damage, aka comp and collision, covers damage that occurs to your Honda. Some examples of covered claims are a windshield shattered by a rock, damage from fire, and damage caused by flying debris. The deductibles define the amount you are willing to pay out-of-pocket before your insurance pays a claim. The more damage repair cost you are required to pay out-of-pocket, the less your insurance will be on Odyssey coverage.
  • Where you live factors in – Living in small towns and rural areas has it’s advantages when insuring your vehicles. People who live in big cities have more traffic problems and a longer drive to work. Fewer drivers on the road translates into fewer accidents.
  • Avoid unnecessary extra policy coverages – There are quite a few optional add-on coverages you can purchase if you aren’t careful. Coverage for things like replacement cost coverage, death and dismemberment, and term life insurance are some examples. You may think they are a good idea when talking to your agent, but if you have no use for them eliminate them to save money.

How to shop car insurance online

There are multiple methods you can shop for car insurance and some are more efficient than others. You could spend the better part of a day talking about coverages with agents in your area, or you could save time and use the web to get the quickest rates.

The majority of car insurance companies take part in a program that enables customers to enter their policy data once, and each participating company can give them a price for coverage. This eliminates the need for quote requests for each company you want a rate for. To compare rates now enter your zip code here.

The only downside to using this type of system is you can’t choose which providers you want pricing from. So if you want to select individual companies to compare, we have assembled a list of the cheapest car insurance companies in your area. Click to enter zip code.

It’s your choice how you get your quotes, but make sure you use identical quote data for each quote you get. If each company quotes different data it will be impossible to determine which company has the best rates. Just a small difference in coverage limits can mean a large discrepancy in price. It’s important to know that more quotes will increase your chances of finding more affordable insurance. Not every company does rate quotes online, so it’s necessary to compare price quotes from the smaller companies as well.

Earn discounts on car insurance

Companies offering auto insurance don’t list every policy discount very clearly, so the list below details both the well known and the more hidden discounts that may be available.

  • Fewer Miles Equal More Savings – Low annual miles can earn substantially lower prices.
  • Student in College – Youth drivers who are attending college and leave their car at home can be insured at a reduced rate.
  • Renewal Discounts – A few insurance companies allow discounts for signing up prior to your current policy expiration. This can save 10% or more.
  • Telematics Discount – Drivers that enable driving data collection to scrutinize driving habits by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks as long as the data is positive.
  • Paperless Signup – A handful of companies give back up to $50 for signing up over the internet.

One thing to note about discounts is that some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. Even though it appears having all the discounts means you get insurance for free, nobody gets a free ride.

A list of car insurance companies and the discounts they provide include:

  • GEICO offers discounts including defensive driver, military active duty, anti-theft, good student, seat belt use, driver training, and federal employee.
  • MetLife has savings for defensive driver, good student, claim-free, good driver, and accident-free.
  • Progressive policyholders can earn discounts including multi-vehicle, continuous coverage, online quote discount, good student, and online signing.
  • Travelers discounts include early quote, save driver, home ownership, student away at school, good student, and multi-car.
  • SAFECO may include discounts for teen safety rewards, safe driver, multi-car, bundle discounts, teen safe driver, and anti-theft.
  • AAA offers discounts for multi-car, multi-policy, anti-theft, good student, education and occupation, AAA membership discount, and pay-in-full.

Double check with each company to apply every possible discount. Some discounts might not be offered in your area. If you would like to view insurers with discount rates, enter your zip code here.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every situation is different so your insurance should reflect that These are some specific questions might help in determining if you may require specific advice.

  • Is my Honda Odyssey covered if I use it for business?
  • Do all my vehicles need collision coverage?
  • Does car insurance cover theft of personal property?
  • Am I covered if I break a side mirror?
  • Which is better, split liability limits or combined limits?
  • What should my uninsured motorist coverage limits be in my state?
  • Is a new car covered when I drive it off the dealer lot?
  • What is the difference between comprehensive and collision coverage?
  • Should I buy full coverage?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and enter your zip code.

Information about specific coverages

Knowing the specifics of a car insurance policy can help you determine appropriate coverage and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average car insurance policy.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2022 Honda Odyssey.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, a broken windshield and fire damage. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as ambulance fees, nursing services and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision insurance will pay to fix damage to your Odyssey resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sideswiping another vehicle, colliding with another moving vehicle, driving through your garage door, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Liability coverage

Liability coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.

Liability coverage protects against things like pain and suffering, medical services, structural damage, repair costs for stationary objects and loss of income. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

The best insurance company isn’t always the cheapest

Some insurance providers may not provide the ability to get quotes online and most of the time these small, regional companies only sell coverage through local independent agents. Lower-priced 2022 Honda Odyssey insurance is possible from both online companies in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from.

We just presented a lot of tips how to get a better price on 2022 Honda Odyssey insurance. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding inexpensive insurance coverage. Consumers may even find the lowest priced insurance coverage comes from the least-expected company. Smaller companies can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

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