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 prices for a Honda Odyssey are $1,318 every 12 months including full coverage. Comprehensive costs approximately $256 each year, collision costs $506, and liability insurance is $398. A policy with just liability insurance costs around $460 a year, with coverage for high-risk drivers costing around $2,868. Teen drivers pay the highest rates at $5,002 a year or more.

Average premium for full coverage: $1,318

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. 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 has a significant impact on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above highlight why all drivers should compare rates quotes using their specific location and their own driving history, rather than relying on price averages.

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

Additional Rate Details

The chart below breaks down estimated Honda Odyssey insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $757
• Raising to $1,000 deductibles will save $170 every year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,318
• Choosing low deductibles increases the price to $1,658
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,868 or more
• The price to insure a teen driver can cost $5,002

View Chart as Image

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

Choosing high deductibles can reduce prices by up to $510 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 135% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Honda Odyssey insurance rates. A middle-age driver might find prices as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,880 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, so the prices may be quite 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 Cheap Honda Odyssey Insurance

Getting lower rates on Honda Odyssey insurance consists of being safe and accident-free, having good credit, being claim-free, and maximizing policy discounts. Set aside time to compare rates every time your policy renews by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

Below you'll find a quick review of the information covered above.

• You may be able to save around $160 per year simply by quoting online in advance
• Youthful drivers are expensive to insure, possibly costing $417 a month if they have full coverage
• Increasing physical damage deductibles could save as much as $500 each year
• High-risk drivers with a DUI or reckless driving violation could be charged and average of $1,550 more per year than a low-risk driver
• Drivers who purchase more liability protection will pay about $440 per year to raise from a low 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.

• Chrysler Pacifica Insurance Rates
• Chrysler Pacifica Hybrid Insurance Rates
• Dodge Grand Caravan Insurance Rates

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