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 prices for a Honda Odyssey are $1,318 every 12 months with full coverage. Comprehensive costs an estimated $256 each year, collision insurance costs $506, and liability costs around $398. Liability-only insurance costs as low as $460 a year, and high-risk driver insurance costs around $2,868. Teen drivers cost the most to insure at up to $5,002 a year.

Average premium for full coverage: $1,318

Policy rates broken down by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Odyssey models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. More rural locations are shown to have more infrequent collision claims than larger metro areas. The graphic below illustrates how where you live affects insurance prices.

The examples above demonstrate why all drivers should compare prices for a targeted area and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Information

The chart below details average Honda Odyssey insurance rates for other coverage scenarios.

• The lowest rate with discounts is $757
• Using higher $1,000 deductibles will save approximately $170 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,318
• Choosing low deductibles for physical damage coverage increases the price to $1,658
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,868
• Policy cost to insure a 16-year-old driver can cost as much as $5,002 or more

View Chart as Image

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

Choosing high deductibles could cut rates by as much as $510 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers can be from 44% to 135% more than average. View High Risk Driver Rates

Your home state has a huge impact on Honda Odyssey insurance prices. A driver around age 40 might see rates as low as $950 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,780 on average in New York, Michigan, and Florida.

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 Shop for the Best Honda Odyssey Insurance

Finding cheaper rates on insurance for a Honda Odyssey requires avoiding accidents and violations, having a good credit score, not filing small claims, and consideration of higher deductibles. Take the time to comparison shop at every policy renewal by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The list below is a brief recap of the data touched on in the above illustrations.

• Insureds who want higher liability limits will pay about $440 every year to increase from a 30/60 limit to a 250/500 level
• You may be able to save approximately $160 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• Teenagers are the costliest to insure, as much as $417 each month if comprehensive and collision insurance is included

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