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 auto insurance rates for a Honda Odyssey are $1,316 annually with full coverage. Comprehensive insurance costs around $248 each year, collision insurance costs $494, and liability insurance is estimated at $416. Liability-only insurance costs approximately $474 a year, and high-risk driver insurance costs $2,866 or more. Teenage drivers pay the most at up to $5,024 a year.

Average premium for full coverage: $1,316

Premium estimates for type of coverage:

These estimates include $500 deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and Odyssey models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance rates.

These rate differences demonstrate why all drivers should get quotes for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

More Rate Details

The chart below details average Honda Odyssey insurance rates for additional coverage choices and driver risks.

• The best discount rate is $758
• Choosing higher $1,000 deductibles can save about $168 annually
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,316
• Using low deductibles for comp and collision coverage costs an additional $330 a year
• High-risk insureds who are prone to accidents and violations could pay at least $2,866
• An auto insurance policy with full coverage for a teen driver can be $5,024 each year

View Chart as Image

Insurance prices for a Honda Odyssey also have a wide range based on the model of your Odyssey, your driving record, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $5,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,600 to $2,200 additional annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $500 each year, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $375 more each year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Honda Odyssey insurance rates. A good driver about age 40 could pay as low as $950 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,780 on average in Florida, Michigan, and New York.

View Chart as Image

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 Buy Cheap Honda Odyssey Insurance

Finding better rates on Honda Odyssey insurance takes not taking risks behind the wheel, having good credit, being claim-free, and deciding if full coverage is necessary. Take the time to comparison shop once a year by requesting rates from direct companies, and also from local exclusive and independent agents.

The following is a brief summary of the data that was touched on in the above illustrations.

• You may be able to save up to $160 per year just by quoting online in advance
• Drivers who may need higher liability limits will pay an extra $460 every year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Teens are charged the highest prices, possibly costing $419 per month if they have full coverage
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,550 more every year for Odyssey insurance

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