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.

Average insurance prices for a Honda Odyssey are $1,328 every 12 months with full coverage. Comprehensive costs around $268, collision costs $512, and liability costs $390. A liability-only policy costs as little as $452 a year, with high-risk insurance costing around $2,876. 16-year-old drivers receive the highest rates at $4,992 a year or more.

Average premium for full coverage: $1,328

Rate estimates for individual coverage type:

Price estimates include $500 deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Odyssey models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on insurance rates. Areas with sparse population tend to have more infrequent collision claims than congested cities.

The example below illustrates the effect of geographic area on auto insurance rates.

These examples demonstrate why everyone should compare rates for a specific zip code and their own driving history, instead of using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $763
• Drivers who choose higher $1,000 deductibles will pay about $178 annually
• The average price for a 40-year-old driver using $500 deductibles is $1,328
• Buying pricier low deductibles for comprehensive and collision insurance increases the price to $1,670
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,876 or more
• The cost to insure a teen driver for full coverage can be $4,992 a year

View Chart as Image

Insurance rates for a Honda Odyssey can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.

Opting for high physical damage deductibles could save up to $520 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay as much as $4,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,600 to $2,200 extra per year, depending on your age. Honda Odyssey insurance for high-risk drivers can cost as much as 44% to 134% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Honda Odyssey insurance prices. A 40-year-old driver could pay as low as $960 a year in states like New Hampshire, Ohio, and Utah, or at least $1,790 on average in Florida, Michigan, and New York.

View Chart as Image

With so much variability in rates, the best way to find out your exact price is to regularly compare rates and see which company has the best rate. Every company utilizes a different rate formula, so the rates can be significantly different.

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 Shop for Cheaper Honda Odyssey Insurance

Saving money on car insurance not only requires not taking risks behind the wheel, but also having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates every time your policy renews by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a condensed summary of the information covered in the above illustrations.

• You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date
• Teens pay higher rates, with premiums as much as $416 per month if they have full coverage
• Increasing deductibles could save as much as $525 each year
• Higher risk drivers with multiple at-fault accidents pay on average $1,550 more every year for Odyssey insurance
• Policyholders who may need higher liability limits will pay around $430 every year to go from a minimum limit 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