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 insurance rates for a Honda Odyssey are $1,328 a year for full coverage. Comprehensive insurance costs an estimated $268, collision costs $512, and liability is estimated at $390. Liability-only insurance costs approximately $452 a year, with high-risk driver insurance costing $2,876 or more. 16-year-old drivers pay the most at $4,992 a year or more.

Average premium for full coverage: $1,328

Premium estimates broken down by type of coverage:

Includes $500 physical damage deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for different Odyssey trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than congested cities.

The price range example below illustrates how rural and urban location affects insurance prices.

These rate differences show why anyone shopping for car insurance should get quotes for a targeted area, instead of making a decision based on rate averages.

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

More Rate Information

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

• The best full coverage rate is $763
• Choosing higher $1,000 deductibles can save approximately $178 a year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,328
• Buying more expensive low deductibles for comp and collision coverage will cost an additional $342 annually
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,876 or more
• An auto insurance policy that insures a 16-year-old driver with full coverage can cost as much as $4,992 each year

View Chart as Image

Insurance prices for a Honda Odyssey also have a wide range based on the model year and trim level, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $1,600 to $2,200 additional annually, depending on your age. High-risk driver insurance ranges from 44% to 134% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $4,900 a year. View Rates by Age

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

Opting for high physical damage deductibles can save as much as $520 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $351 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know which insurance company is cheapest is to compare prices from multiple companies. Each auto insurer utilizes a different rate formula, and prices will be substantially 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 Find the Cheapest Honda Odyssey Insurance

Finding better rates on insurance for a Honda Odyssey takes being a safe and courteous driver, having a good credit score, not filing small claims, and maximizing policy discounts. Comparison shop once a year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

Below is a recap of the data that was raised in the charts and tables above.

• Drivers can save approximately $160 per year simply by shopping early and online
• Insureds who want higher levels of liability will pay around $430 each year to raise limits from 30/60 bodily injury limits to the 250/500 level
• Teenage drivers are expensive to insure, as much as $416 per month if comprehensive and collision insurance is included
• Drivers considered higher risk that have major violations or accidents may pay on average $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