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 insurance prices for a Honda Odyssey are $1,318 every 12 months with full coverage. Comprehensive insurance costs on average $256, collision costs $506, and liability costs around $398. A policy with only liability insurance costs as low as $460 a year, with a high-risk policy costing $2,868 or more. Teens pay the most at $5,002 a year or more.

Average premium for full coverage: $1,318

Premium estimates by type of coverage:

Estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for different Odyssey trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than cities with more traffic congestion.

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

These rate differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

The chart below details estimated Honda Odyssey insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $757
• Using higher $1,000 deductibles will save around $170 annually
• The average price for a 40-year-old good driver with $500 deductibles is $1,318
• Selecting more expensive low deductibles for physical damage coverage costs an extra $340 annually
• High-risk insureds with serious driving violations could pay upwards of $2,868 or more
• An auto insurance policy to insure a 16-year-old driver with full coverage may cost $5,002 or more

View Chart as Image

Car insurance prices for a Honda Odyssey also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your Odyssey.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $510 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged upwards of $5,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance can be from 44% to 135% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Honda Odyssey insurance prices. A driver around age 40 might see prices as low as $950 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,780 on average in Florida, Michigan, and New York.

View Chart as Image

With such a large range in prices, the best way to find out exactly what you will pay is to compare prices from multiple companies. Each insurance company calculates prices differently, so rate quotes will be substantially 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 Shop for Low Cost Honda Odyssey Insurance

Finding better rates on insurance for a Honda Odyssey requires being a low-risk driver, maintaining a good credit score, being claim-free, and maximizing policy discounts. Take the time to comparison shop every couple of years by obtaining price quotes from direct companies, and also from local exclusive and independent agents.

The items below are a review of the material that was touched on in the above illustrations.

• Insureds who require more liability coverage will pay approximately $440 every year to increase from 30/60 bodily injury limits to a 250/500 level
• Teen drivers are expensive to insure, possibly costing $417 per month if the policy includes full coverage
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,550 more each year to insure their Odyssey
• Increasing policy deductibles could save as much as $500 each year

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