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 $1,252 every 12 months with full coverage. Comprehensive costs around $218, collision insurance costs $424, and liability coverage is estimated at $452. Liability-only coverage costs approximately $504 a year, and high-risk coverage costs around $2,726. Teens pay the most at up to $4,868 a year.

Average premium for full coverage: $1,252

Premium estimates for type of coverage:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical 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

Living in a larger city has a large influence on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects auto insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than using averaged prices.

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

Detailed Rate Analysis

The chart below details average Honda Odyssey insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $725
• Choosing higher $1,000 deductibles can save about $144 annually
• The average price for a 40-year-old good driver using $500 deductibles is $1,252
• Selecting more expensive low deductibles for comp and collision coverage increases the price to $1,536
• Drivers with serious driving violations could pay at least $2,726
• An auto insurance policy to insure a teenage driver with full coverage can be $4,868 each year

View Chart as Image

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 and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $430 a year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $4,800 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 least $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance ranges around 43% to 133% more than the average policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Honda Odyssey insurance rates. A good driver about age 40 could pay as low as $900 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,690 on average in Florida, Michigan, and New York.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2018 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 Cheap Honda Odyssey Insurance

Finding better rates on auto insurance takes being a good driver, having good credit, being claim-free, and dropping full coverage on older vehicles. Set aside time to shop around every time your policy renews by requesting rates from direct companies, and also from several local insurance agents.

The following list is a quick review of the information raised in the charts and tables above.

• You may be able to save up to $150 per year just by shopping early and online
• Drivers age 16 to 20 pay higher prices, possibly costing $406 per month if they have full coverage
• Increasing policy deductibles could save as much as $425 each year
• Drivers with a DUI or reckless driving violation pay on average $1,470 more every year than a safer driver
• Consumers who may need an increased level of liability coverage will pay approximately $500 every year to raise limits from 30/60 bodily injury limits to a 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