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.

U.S. average insurance prices for a Honda Odyssey are $1,318 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $256 a year, collision insurance costs $506, and liability costs $398. Liability-only insurance costs as little as $460 a year, and high-risk driver insurance costs $2,868 or more. 16-year-old drivers pay the highest rates at up to $5,002 a year.

Average premium for full coverage: $1,318

Price estimates by individual coverage:

These estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Odyssey trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of auto insurance. Rural locations have more infrequent physical damage claims than congested cities. The diagram below illustrates how geographic area affects auto insurance prices.

The ranges above illustrate why it is important to compare rates using their specific location and their own driving history, instead of using rate averages.

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

Detailed Rate Analysis

The chart below illustrates average Honda Odyssey insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $757
• Drivers who choose higher $1,000 deductibles will pay $1,148 each year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,318
• Buying low $100 deductibles for comprehensive and collision insurance costs an extra $340 every year
• Higher-risk drivers with multiple tickets or accidents could pay around $2,868
• The price to insure a teen driver can cost $5,002 a year

View Chart as Image

Car insurance prices for a Honda Odyssey are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Odyssey.

Opting for high physical damage deductibles could save up to $510 every year, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 135% more than the average rate. View High Risk Driver Rates

The state you live in makes a big difference in Honda Odyssey insurance prices. A 40-year-old driver could pay as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,780 on average in Florida, New York, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2020 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 Cheap Honda Odyssey Insurance

Getting lower rates on car insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, not filing small claims, and attention to physical damage deductibles. Invest the time to compare rates at every other renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a brief summary of the concepts that were presented in the illustrations above.

• Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,550 more per year for auto insurance
• Teenage drivers pay the highest auto insurance prices, as much as $417 a month if the policy includes full coverage
• It is possible to save around $160 per year just by quoting early and online
• Increasing physical damage deductibles could save as much as $500 each year
• It is possible to save around $160 per year just by quoting early and online

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