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 rates for a Honda Odyssey are $1,328 a year including full coverage. Comprehensive insurance costs an estimated $268 each year, collision insurance costs $512, and liability is $390. Buying just liability costs around $452 a year, and insurance for high-risk drivers costs $2,876 or more. Teenage drivers pay the highest rates at up to $4,992 a year.

Average premium for full coverage: $1,328

Price estimates broken down by individual coverage:

Estimates include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Odyssey models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates how geographic area affects insurance prices.

The ranges above highlight why all drivers should compare rates quotes for a targeted area and risk profile, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $763
• Raising to $1,000 deductibles will save approximately $178 every year
• The average rate for the average middle-age driver who has $500 deductibles is $1,328
• Using low deductibles will cost an extra $342 annually
• Drivers who are prone to accidents and violations could pay up to $2,876
• The price for full coverage for a 16-year-old driver can cost as much as $4,992

View Chart as Image

Insurance prices for a Honda Odyssey are also quite variable based on your driving record, the model of your Odyssey, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age

The state you live in also has a big influence on Honda Odyssey insurance prices. A middle-age driver might find prices as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,890 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $520 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 134% more than a normal 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 Low Cost Honda Odyssey Insurance

Getting lower rates on insurance for a Honda Odyssey consists of being safe and accident-free, having a good credit history, being claim-free, and possibly raising deductibles. Invest the time to compare rates every couple of years by getting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below you'll find a review of the material that was presented in the illustrations above.

• Insureds who want more liability protection will pay an extra $430 per year to raise from a low limit to 250/500 limits
• Youthful drivers are expensive to insure, possibly costing $416 a month including comprehensive and collision insurance
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,550 more annually than a low-risk driver
• Increasing physical damage deductibles can save around $525 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