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 rates for a Honda Odyssey are $1,318 a year for full coverage. Comprehensive insurance costs around $256, collision insurance costs $506, and liability costs $398. Liability-only coverage costs as little as $460 a year, and high-risk coverage costs $2,868 or more. Teens pay the most at up to $5,002 a year.

Average premium for full coverage: $1,318

Premium estimates for type of coverage:

Includes $500 deductible amounts, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for all Odyssey models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates the difference location can make on auto insurance rates.

These rate differences show why everyone should compare rates for a specific zip code and risk profile, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $757
• Drivers who choose higher $1,000 deductibles will pay about $170 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,318
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $340 every year
• Higher-risk drivers with serious driving violations could pay at least $2,868
• An auto insurance policy for full coverage for a teen driver for full coverage can be $5,002 a year

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Insurance prices for a Honda Odyssey also have a wide range based on your driving characteristics, the trim level of your Odyssey, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay as much as $5,000 a year. View Rates by Age

Where you choose to live makes a big difference in Honda Odyssey insurance prices. A 40-year-old driver could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,880 on average in Michigan, Louisiana, and New York.

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Choosing higher comprehensive and collision insurance deductibles could save up to $510 every year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $358 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,600 to $2,200 extra annually, depending on your age. Honda Odyssey insurance for high-risk drivers can cost as much as 44% to 135% more than the average policy. View High Risk Driver Rates

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 the Cheapest Honda Odyssey Insurance

Finding better rates on car insurance not only requires having a good driving record, but also maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Make time to compare rates every couple of years by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The next list is a recap of the material that was touched on in this article.

• Policyholders who may need increased levels of liability coverage will pay approximately $440 each year to go from 30/60 bodily injury limits to 250/500 limits
• Drivers age 20 and younger pay higher prices, as much as $417 per month for full coverage
• Higher risk drivers that have major violations or accidents may be required to pay an average of $1,550 more every year to buy Honda Odyssey insurance
• Increasing policy deductibles can save around $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