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 $1,318 annually including full coverage. Comprehensive costs around $256, collision insurance costs $506, and liability insurance costs around $398. Liability-only insurance costs as low as $460 a year, and high-risk driver insurance costs around $2,868. Teenage drivers pay the most at up to $5,002 a year.

Average premium for full coverage: $1,318

Premium estimates for type of coverage:

Prices are based on $500 deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all Odyssey models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than densely populated cities. The example below illustrates how rural and urban location affects auto insurance rates.

These rate differences highlight why everyone should compare prices 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 breaks down average Honda Odyssey insurance rates for additional coverage choices and driver risks.

• The best discount rate is $757
• Using higher $1,000 deductibles will save about $170 every year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,318
• Using pricier low deductibles for physical damage coverage will cost $1,658
• Drivers who are prone to accidents and violations could pay at least $2,868
• An auto insurance policy with full coverage for a teen driver for full coverage can be $5,002 or more

View Chart as Image

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

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,200 a year, 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 are likely paying at least $1,600 to $2,200 additional annually, depending on your age. Honda Odyssey insurance for high-risk drivers can be anywhere from 44% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $510 each year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $358 more each year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Honda Odyssey insurance rates. A driver around age 40 might see prices as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,880 on average in Michigan, New York, and Louisiana.

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 Affordable Honda Odyssey Insurance

Finding better rates on Honda Odyssey insurance requires not taking risks behind the wheel, having good credit, refrain from filing small claims, and deciding if full coverage is necessary. Set aside time to shop around at least every other year by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following is a brief review of the car insurance concepts raised in the charts and tables above.

• High-risk drivers with DUI or reckless driving convictions may pay on average $1,550 more every year for Odyssey insurance
• You may be able to save up to $160 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $500 each year
• Drivers who may need higher liability limits will pay an extra $440 per year to increase from 30/60 bodily injury limits to higher 250/500 limits

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.

• Chrysler Pacifica Insurance Rates
• Chrysler Pacifica Hybrid Insurance Rates
• Dodge Grand Caravan Insurance Rates

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