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.

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

Average premium for full coverage: $1,316

Policy rates for type of insurance:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for all Odyssey models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than densely populated cities.

The example below illustrates how rural and urban location affects auto insurance rates.

The examples above show why everyone should get quotes for a specific zip code, instead of using average rates.

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

Detailed Rate Analysis

The chart below shows estimated 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 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,316
• Using pricier low deductibles for comp and collision coverage will cost an additional $330 every year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,866 or more
• Policy cost that insures a teen driver for full coverage can be $5,024 each year

View Chart as Image

Auto insurance rates for a Honda Odyssey also range considerably based on the model of your Odyssey, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,600 to $2,200 in extra premium every year, depending on your age. Honda Odyssey insurance for high-risk drivers ranges as much as 44% to 135% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $5,000 a year. View Rates by Age

Your home state plays a big part in determining prices for Honda Odyssey insurance prices. A good driver about age 40 could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,880 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $500 every year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied.

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

Finding cheaper rates on car insurance takes being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices every time your policy renews by requesting quotes from direct carriers, and also from several local insurance agents.

The following list is a brief summary of the information raised in the charts and tables above.

• Drivers can save up to $160 per year simply by quoting online well ahead of the renewal date
• Drivers age 16 to 20 are expensive to insure, costing up to $419 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,550 more every year than a safer driver
• Policyholders who may need an increased level of liability coverage will pay an extra $460 each year to raise limits from a 30/60 limit to the 250/500 level

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