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.

Average insurance rates for a Honda Odyssey are $1,318 a year for full coverage insurance. Comprehensive insurance costs approximately $256, collision costs $506, and liability coverage is $398. Buying just liability costs around $460 a year, with insurance for high-risk drivers costing $2,868 or more. Teens receive the highest rates at $5,002 a year or more.

Average premium for full coverage: $1,318

Rate estimates by individual coverage type:

Rate estimates include $500 deductible amounts, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for different Odyssey trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

These examples illustrate why anyone shopping for car insurance should compare rates quotes using their specific location, rather than using averaged prices.

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

Rates by State, City, and Model

The chart below illustrates estimated Honda Odyssey insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $757
• Raising to $1,000 deductibles will save $170 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,318
• Selecting more expensive low deductibles will cost an additional $340 each year
• Unlucky drivers with serious driving violations could pay around $2,868 or more
• The cost that insures a teenage driver with full coverage can cost $5,002

View Chart as Image

Auto insurance rates for a Honda Odyssey can also vary considerably based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,600 to $2,200 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost around 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 only pay around $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,000 a year. View Rates by Age

Where you live also has a big influence on Honda Odyssey insurance rates. A middle-age driver might find rates as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,780 on average in Florida, New York, and Michigan.

View Chart as Image

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

With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates and see how they stack up. Every auto insurance company calculates rates differently, and quoted rates can be significantly 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 the Best Honda Odyssey Insurance

Saving money on auto insurance consists of having a good driving record, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Compare rates at every policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The next list is a brief recap of the data covered above.

• Consumers who purchase increased levels of liability coverage will pay approximately $440 annually to raise from a minimum limit to the 250/500 level
• It is possible to save around $160 per year simply by shopping early and online
• Increasing deductibles can save approximately $500 each year
• Drivers age 20 and younger have the highest car insurance rates, costing up to $417 per month if the policy includes full coverage

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