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 auto insurance rates for a Honda Odyssey are $1,328 annually for full coverage. Comprehensive insurance costs an estimated $268 each year, collision insurance costs $512, and liability coverage costs $390. A policy with only liability insurance costs as little as $452 a year, and a high-risk policy costs $2,876 or more. 16-year-old drivers pay the most at up to $4,992 a year.

Average premium for full coverage: $1,328

Premium estimates broken down by type of coverage:

These estimates include $500 deductible amounts, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and Odyssey models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on insurance rates. More rural locations are statistically proven to have fewer accident claims than congested cities. The graphic below illustrates the difference location can make on insurance prices.

These rate differences show why all drivers should compare rates for a targeted area and their own personal driving habits, rather than using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $763
• Drivers who choose higher $1,000 deductibles will pay approximately $178 a year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,328
• Buying low deductibles for comprehensive and collision insurance costs an additional $342 each year
• High-risk insureds with multiple tickets or accidents could pay up to $2,876
• An auto insurance policy with full coverage for a teenage driver can cost as much as $4,992 a year

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Car insurance prices for a Honda Odyssey also have a wide range based on the model of your Odyssey, your driver profile, and liability limits and deductibles.

More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged at least $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers can cost around 44% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $520 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Honda Odyssey insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Iowa, Maine, and Idaho, or at least $1,890 on average in New York, Louisiana, and Michigan.

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 Buy Cheap Honda Odyssey Insurance

Finding better rates on auto insurance not only requires having a good driving record, but also having a good credit score, not filing small claims, and possibly higher deductibles. Make time to compare rates every time your policy renews by requesting quotes from direct carriers, and also from local exclusive and independent agents.

The next list is a brief summary of the information touched on in this article.

• Drivers can save approximately $160 per year just by quoting online in advance
• Drivers age 20 and younger have the highest car insurance prices, as much as $416 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save up to $525 each year
• Drivers that tend to have accidents or serious violations may pay on average $1,550 more annually to buy Honda Odyssey insurance
• Consumers who want increased levels of liability coverage will pay around $430 each year to go from 30/60 bodily injury limits to higher 250/500 limits

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