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.

U.S. average insurance rates for a Honda Odyssey are $1,318 a year for full coverage insurance. Comprehensive costs around $256, collision costs $506, and liability is estimated at $398. Liability-only coverage costs approximately $460 a year, with high-risk coverage costing around $2,868. Teens pay the highest rates at $5,002 a year or more.

Average premium for full coverage: $1,318

Price estimates for individual coverage:

These estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different Odyssey trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects auto insurance rates.

The ranges above illustrate why anyone shopping for car insurance should get quotes for a specific zip code, instead of using averaged prices.

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

Rate Comparisons

The chart below illustrates estimated Honda Odyssey insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $757
• Choosing higher $1,000 deductibles can save about $170 each year
• The estimated price for the average middle-age driver using $500 deductibles is $1,318
• Selecting more expensive low deductibles for comp and collision coverage bumps up the cost to $1,658
• Unlucky drivers with serious driving violations could pay at least $2,868 or more
• The price that insures a teen driver with full coverage can be $5,002 each year

View Chart as Image

Auto insurance prices for a Honda Odyssey are also quite variable based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance ranges as much as 44% to 135% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay as much as $5,000 a year. View Rates by Age

The state you live in plays a big part in determining prices for Honda Odyssey insurance prices. A good driver about age 40 could pay as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,780 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $510 every year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out your exact price is to compare prices and see which company has the best price. Each auto insurer calculates prices differently, and quoted prices may be quite different.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 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 Find Cheap Honda Odyssey Insurance

Getting lower rates on car insurance takes having a decent driving record, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Compare rates at every other renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The following items are a brief summary of the concepts that were touched on in the above illustrations.

• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,550 more every year than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, as much as $417 a month if the policy includes full coverage
• It is possible to save up to $160 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $500 each year
• It is possible to save up to $160 per year simply by shopping early and online

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