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 $1,318 every 12 months for full coverage. Comprehensive insurance costs on average $256 a year, collision costs $506, and liability coverage is estimated at $398. A liability-only policy costs approximately $460 a year, with high-risk insurance costing $2,868 or more. Teens receive the highest rates at $5,002 a year or more.

Average premium for full coverage: $1,318

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Odyssey trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas tend to have more infrequent accident claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on car insurance rates.

These examples show why it is important to get quotes based on a specific location and their own driving history, rather than using averaged prices.

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

Additional Rate Information

The chart below shows estimated Honda Odyssey insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $757
• Choosing higher $1,000 deductibles can save around $1,148 a year
• The average price for a 40-year-old driver with $500 deductibles is $1,318
• Selecting low $100 deductibles for comp and collision coverage costs an extra $340 each year
• Drivers with serious driving violations could pay upwards of $2,868 or more
• The cost to insure a teenage driver may cost $5,002 each year

View Chart as Image

Insurance rates for a Honda Odyssey can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your Odyssey.

Choosing higher comprehensive and collision insurance deductibles can save as much as $510 a year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $358 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 135% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Honda Odyssey insurance rates. A good driver about age 40 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.

View Chart as Image

With so much variability in rates, the only way to know exactly what you will pay is to get quotes and see how they stack up. Each auto insurer calculates rates differently, 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 the Best Honda Odyssey Insurance

Saving money on auto insurance takes avoiding accidents and claims, having good credit, eliminating unneeded coverage, and bundling your home and auto policies. Make time to compare rates at every other renewal by getting price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a brief recap of the concepts that were touched on in this article.

• Drivers who tend to receive serious violations pay an average of $1,550 more each year to insure a Honda Odyssey
• Drivers under the age of 20 pay the highest rates, costing as high as $417 per month if they have full coverage
• Drivers can save as much as $160 per year simply by quoting early and online
• Increasing deductibles could save as much as $500 each year
• Drivers can save as much as $160 per year simply by quoting early and online

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