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 rates for a Honda Odyssey are $1,328 a year including full coverage. Comprehensive insurance costs an estimated $268, collision insurance costs $512, and liability costs $390. A liability-only policy costs as little as $452 a year, and high-risk insurance costs $2,876 or more. Teen drivers receive the highest rates at up to $4,992 a year.

Average premium for full coverage: $1,328

Rate estimates broken down by individual coverage type:

Rate estimates include $500 physical damage deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all Odyssey models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates the difference between rural and urban areas on insurance prices.

These examples highlight why everyone should compare rates for a targeted area, instead of making a decision based on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $763
• Drivers who choose higher $1,000 deductibles will pay approximately $178 every year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,328
• Choosing pricier low deductibles for comprehensive and collision insurance will cost an additional $342 annually
• Drivers with multiple violations and an at-fault accident could pay up to $2,876
• The cost that insures a 16-year-old driver for full coverage can cost as much as $4,992 a year

View Chart as Image

Insurance rates for a Honda Odyssey can also vary considerably based on the model of your Odyssey, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,600 to $2,200 extra per year, depending on your age. Honda Odyssey insurance for high-risk drivers can cost from 44% to 134% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $4,900 a year. View Rates by Age

Where you live makes a big difference in Honda Odyssey insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,890 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $520 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit

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 Best Honda Odyssey Insurance

Saving money on insurance for a Honda Odyssey not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Shop around once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

Below is a brief recap of the data that was covered above.

• You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date
• Insureds who want higher levels of liability will pay about $430 per year to go from a minimum limit to the 250/500 level
• Teenage drivers are charged the highest rates, as much as $416 per month if full coverage is included
• Drivers considered higher risk who tend to receive serious violations could be charged and average of $1,550 more annually for auto insurance

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