Cheap Honda Odyssey Car Insurance in 2024 (Unlock Big Savings From These 10 Companies!)
State Farm, Progressive, and USAA offer the best cheap Honda Odyssey car insurance, with rates starting as low as $33 per month. These companies stand out for their comprehensive coverage, competitive pricing, and excellent customer service. Discover how to secure affordable car insurance for your Honda Odyssey.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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UPDATED: Oct 15, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
17,759 reviewsCompany Facts
Min. Coverage for Honda Odyssey
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
13,128 reviewsCompany Facts
Min. Coverage for Honda Odyssey
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
6,435 reviewsCompany Facts
Min. Coverage for Honda Odyssey
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
The best cheap Honda Odyssey car insurance providers are State Farm, Progressive, and USAA. These companies offer the most competitive rates, extensive coverage options, and exceptional customer service.
Our Top 10 Company Picks: Cheap Honda Odyssey Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $33 B Student Savings State Farm
#2 $36 A+ Customer Service Progressive
#3 $42 A++ Military Members USAA
#4 $43 A+ Exclusive Benefits The Hartford
#5 $44 A+ Accident Forgiveness Nationwide
#6 $48 A++ High-Value Vehicles Chubb
#7 $52 A Online Tools Safeco
#8 $54 A High-Risk Coverage The General
#9 $61 A+ UBI Discount Allstate
#10 $68 A Policy Options Liberty Mutual
Discover how to secure the best car insurance for your Honda Odyssey.
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#1 – State Farm: Top Overall Pick
Pros
- Bundling Policies: State Farm offers significant discounts for bundling multiple insurance policies.
- High Low-Mileage Discount: State Farm provides a substantial discount for low-mileage usage.
- Wide Coverage: State Farm offers various coverage options tailored for different needs. See more details on our “State Farm Insurance Review & Ratings.”
Cons
- Limited Multi-Policy Discount: The multi-policy discount of State Farm is not as high compared to some competitors.
- Premium Costs: Despite discounts, State Farm’s premiums might still be relatively higher for certain coverage levels.
#2 – Progressive: Best for Customer Service
Pros
- Snapshot Program: Progressive’s usage-based insurance program can lead to substantial savings.
- Comprehensive Coverage Options: Offers extensive coverage options to suit various needs. More information is available about this provider in our “Progressive Insurance Review & Ratings.”
- Strong Customer Service: Known for excellent customer service and handling claims efficiently.
Cons
- High Premiums for Some Drivers: Rates can be higher for drivers with a less-than-perfect record.
- Mixed Reviews: Customer experiences can vary significantly.
#3 – USAA: Best for Military Members
Pros
- Exclusive Military Discounts: USAA provides special discounts for military members and their families.
- Excellent Customer Service: Consistently high customer satisfaction ratings. More information is available about this provider in our “USAA Insurance Review & Ratings.”
- Comprehensive Coverage: Offers a wide range of coverage options tailored to military needs.
Cons
- Eligibility Restrictions: Only available to military members, veterans, and their families.
- Limited Local Offices: Fewer physical locations compared to other insurers.
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#4 – The Hartford: Best for Exclusive Benefits
Pros
- AARP Discounts: Special rates and benefits for AARP members. Learn more in our “The Hartford Insurance Review & Ratings.”
- Lifetime Renewability: Guarantee to renew policies as long as premiums are paid.
- Accident Forgiveness: Offers accident forgiveness for qualifying customers.
Cons
- Higher Premiums: May have higher rates compared to other insurers.
- Availability: Some benefits are restricted to AARP members.
#5 – Nationwide: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Prevents rates from increasing after the first at-fault accident.
- Vanishing Deductible: Deductible decreases the longer you go without an accident.
- Comprehensive Coverage: Wide range of coverage options available. Check out insurance savings in our complete “Nationwide Insurance Review & Ratings.”
Cons
- Average Customer Service: Customer service ratings are average compared to competitors.
- Higher Rates for Young Drivers: Premiums can be higher for younger drivers.
#6 – Chubb: Best for High-Value Vehicles
Pros
- Agreed Value Coverage: Pays the agreed value of the car in the event of a total loss.
- Worldwide Coverage: Offers coverage for cars driven internationally.
- High Limits: Provides high coverage limits suitable for luxury vehicles. Check out insurance savings in our complete “Chubb Insurance Review & Ratings.”
Cons
- Premium Costs: Higher premiums due to comprehensive coverage.
- Limited Discounts: Fewer discount opportunities compared to other insurers.
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#7 – Safeco: Best for Online Tools
Pros
- RightTrack Program: Rewards safe driving behavior with discounts.
- 24/7 Claims Service: Provides around-the-clock claims assistance.
- Digital Tools: Offers a range of online tools for policy management. Discover more about offerings in our “Safeco Insurance Review & Ratings.”
Cons
- Average Customer Reviews: Customer service experiences can vary.
- Limited Local Agents: Fewer in-person service options.
#8 – The General: Best for High-Risk Coverage
Pros
- Accepts High-Risk Drivers: Specializes in providing coverage for high-risk drivers.
- Flexible Payment Options: Offers flexible payment plans.
- Quick Online Quotes: Easy and fast online quote process. Unlock details in our “The General Car Insurance Review & Ratings.”
Cons
- Higher Premiums: Rates tend to be higher for high-risk coverage.
- Basic Coverage Options: Limited coverage options compared to other insurers.
#9 – Allstate: Best for UBI Discount
Pros
- Drivewise Program: Usage-based insurance program that can lead to significant savings.
- Comprehensive Coverage: Offers a wide range of coverage options.
- Good Hands Network: Extensive network of agents and resources. Discover insights in our “Allstate Insurance Review & Ratings.”
Cons
- Higher Rates: Premiums can be higher compared to some competitors.
- Mixed Customer Reviews: Customer service ratings are inconsistent.
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#10 – Liberty Mutual: Best for Policy Options
Pros
- Customizable Policies: Offers highly customizable policy options.
- Accident Forgiveness: Prevents rates from increasing after an accident.
- New Car Replacement: Replaces totaled cars with a new one. Access comprehensive insights into our “Liberty Mutual Review & Ratings.”
Cons
- Higher Rates: Premiums can be higher compared to other insurers.
- Average Customer Service: Customer service ratings are average.
Affordable Honda Odyssey Insurance Rates by Coverage Level
When it comes to insuring your Honda Odyssey, understanding the differences in monthly rates by coverage level and provider can help you make a more informed decision. This section breaks down the minimum and full coverage rates from various insurance companies.
Honda Odyssey Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $61 $160
Chubb $48 $120
Liberty Mutual $68 $174
Nationwide $44 $115
Progressive $36 $105
Safeco $52 $71
State Farm $33 $86
The General $54 $232
The Hartford $43 $113
USAA $42 $59
When comparing the monthly rates for Honda Odyssey car insurance, it’s evident that there’s significant variation across different providers and coverage levels. For minimum coverage, State Farm emerges as the most affordable option at $33 per month, followed closely by Progressive at $36 and Nationwide at $44.
On the other end of the spectrum, Liberty Mutual charges $68 for minimum coverage, making it the priciest among the listed options. For full coverage, USAA offers the most economical rate at $59 per month, with Progressive and State Farm following at $105 and $86, respectively. Conversely, The General’s full coverage rate is notably high at $232 per month.
These rate differences highlight the importance of comparing insurance providers to find the best deal for your specific needs.
Understanding the Factors That Affect Honda Odyssey Car Insurance Rates
Several key factors influence the cost of insuring a Honda Odyssey. The first and most significant factor is the model year of the vehicle. Generally, newer models tend to have higher insurance premiums due to their higher market value. Insurance companies consider the cost of repair or replacement when determining rates.
Another critical factor is your driving record. A clean driving record with no accidents, tickets, or citations can help lower your insurance premiums. On the other hand, past infractions, such as speeding tickets or at-fault accidents, can result in higher rates. Learn more in our “Best Car Insurance for Drivers with Speeding Ticket in Washington.”
Location is also an influential aspect. Insurance companies analyze the frequency of vehicle theft, accident rates, and population density in your area. If you live in an urban area with high crime rates, you may face higher insurance costs compared to someone living in a rural area with lower risk factors.
Your credit score can also play a role in determining your Honda Odyssey car insurance rates. Insurance providers view individuals with poor credit scores as higher-risk clients, resulting in higher premiums.
The coverage options you select and the deductibles you choose are additional factors that can impact the cost of insurance. Comprehensive and collision coverage, which protect against non-accident-related damages and accidents, respectively, can significantly increase your premiums.
Similarly, choosing a lower deductible means higher premiums, while a higher deductible reduces your premiums but increases out-of-pocket costs in the event of a claim.
Lastly, the safety features installed in your Honda Odyssey can help lower your insurance rates. Features such as anti-lock brakes, airbags, and advanced driver assistance systems reduce the risk of accidents, making your vehicle more attractive to insurance companies.
Laura Walker Former Licensed Agent
It’s important to note that the age and driving experience of the primary driver can also impact Honda Odyssey car insurance rates. Younger drivers, especially those under the age of 25, typically face higher premiums due to their lack of experience and higher risk of accidents. On the other hand, older drivers with a long history of safe driving may be eligible for lower insurance rates.
Learn more in our “State Farm Drive Safe and Save Insurance Review & Ratings.”
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The Importance of Comparing Quotes for Honda Odyssey Car Insurance
It is essential to compare quotes from different insurance providers to find the most cost-effective option for your Honda Odyssey. Insurance rates can vary significantly from company to company, and shopping around allows you to find the best coverage at the best price.
When comparing quotes, make sure to take into account the coverage limits, deductibles, and any additional features or benefits offered by each provider. It’s also crucial to consider the reputation and financial stability of the insurance company. Reading customer reviews and checking their rating with independent agencies, such as A.M. Best or J.D. Power, can offer valuable insights into their service quality and reliability.
While price is undoubtedly an important factor, it should not be the sole deciding factor. Assessing the overall value, customer service, and claims process of an insurance provider is equally important to ensure a smooth experience in case of an accident or claim.
Another important aspect to consider when comparing quotes for Honda Odyssey car insurance is the type of coverage offered. Different insurance providers may offer different types of coverage, such as liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. It’s important to understand your specific needs and choose a policy that provides adequate coverage for your Honda Odyssey.
In addition to comparing quotes, it can be beneficial to speak with an insurance agent or broker who specializes in car insurance. They can provide personalized advice and guidance based on your individual circumstances and help you navigate the complexities of insurance policies.
An experienced professional can also help you identify any potential discounts or savings opportunities that you may qualify for, such as multi-car discounts, safe driver discounts, or bundling your car insurance with other policies.
Exploring Different Coverage Options for Honda Odyssey Car Insurance
When it comes to Honda Odyssey car insurance, you have various coverage options to consider. Understanding these options can help you tailor your policy to your specific needs.
Liability coverage is mandatory in most states and covers the costs associated with injuries and property damage to others in an accident where you are at fault. It is crucial to carry adequate liability coverage to protect yourself against potential lawsuits and financial repercussions.
Comprehensive coverage protects your Honda Odyssey against damages not resulting from accidents, such as theft, vandalism, or natural disasters. Collision coverage, on the other hand, covers damages resulting from accidents with other vehicles or objects.
Melanie Musson Published Insurance Expert
Uninsured/Underinsured motorist coverage is also an important consideration. This coverage protects you if you are involved in an accident with a driver who does not have insurance or carries inadequate coverage.
If you are leasing or financing your Honda Odyssey, you may be required to carry specialized coverage such as gap insurance. Gap insurance covers the difference between the actual cash value of your vehicle and the amount you owe to the leasing or financing company in the event of a total loss.
Another coverage option to consider for your Honda Odyssey car insurance is personal injury protection (PIP) coverage. PIP coverage helps cover medical expenses, lost wages, and other related costs for you and your passengers, regardless of who is at fault in an accident. This coverage can be especially beneficial if you do not have health insurance or have limited coverage.
Tips for Finding Affordable Honda Odyssey Car Insurance
While car insurance is a necessary expense, there are several strategies to help you find affordable rates for your Honda Odyssey:
- Comparison Shop: As mentioned earlier, comparing quotes from multiple insurance providers is essential to find the best rates and coverage that suit your needs.
- Bundle Policies: Many insurance companies offer discounts if you bundle your Honda Odyssey car insurance with other policies, such as home or renters insurance.
- Maintain a Good Driving Record: A clean driving record can lead to lower insurance premiums. Follow traffic laws, avoid accidents, and adhere to speed limits to keep your record spotless.
- Increase Your Deductible: Opting for a higher deductible can lower your premiums. However, be prepared to pay more out-of-pocket in the event of a claim.
- Take Advantage of Discounts: Insurance providers offer various discounts that can help reduce your premiums. These may include safe driver discounts, discounts for completing defensive driving courses, or discounts for having safety features installed in your Honda Odyssey.
- Consider Usage-Based Insurance: Some insurance companies offer usage-based insurance programs where your premiums are based on your driving habits. By installing a telematics device in your Honda Odyssey, the insurance company can track your mileage, speed, and other driving behaviors to determine your premium. If you are a safe driver who doesn’t drive frequently, this type of insurance could result in lower rates.
By implementing these strategies and maintaining a proactive approach, you can find affordable Honda Odyssey car insurance without compromising on coverage.
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Navigating Honda Odyssey Car Insurance Claims
In the unfortunate event of an accident or claim, understanding the claims process is crucial to ensure a smooth and hassle-free experience. Here are some steps to navigate the claims process:
- Contact Your Insurance Provider: Inform your insurance company as soon as possible after an accident. They will guide you on the necessary steps to file a claim.
- Gather Evidence: Take photos of the accident scene, damage to your vehicle, and any injuries sustained. Collect the contact information of the other parties involved and any witnesses.
- File a Police Report: If needed, contact the local authorities and file a police report. This can provide additional documentation and support for your claim.
- Cooperate With Your Insurance Adjuster: Your insurance adjuster will assess the damages and guide you through the repair process. Provide them with all the necessary information and documentation they require.
- Choose a Reputable Repair Facility: Select a repair shop that specializes in Honda vehicles and has a good reputation. If your Honda Odyssey is still under warranty, consider taking it to an authorized dealership for repairs.
- Keep Records: Maintain a record of all communication, documents, and receipts related to the claim. This will help track the progress and ensure you have the necessary evidence for any potential disputes.
- Understand Your Coverage: Familiarize yourself with the details of your Honda Odyssey car insurance policy. This includes knowing the types of coverage you have, such as liability, collision, and comprehensive, as well as any deductibles or limits that may apply.
- Consider Hiring a Public Adjuster: If you feel overwhelmed or unsure about the claims process, you may want to consider hiring a public adjuster. These professionals can help you navigate the complexities of the insurance claim and negotiate on your behalf to ensure you receive a fair settlement.
Conclusion
Finding affordable car insurance for a Honda Odyssey involves comparing quotes from multiple providers to secure the best rates. Companies like State Farm, Progressive, and USAA offer competitive pricing and comprehensive coverage options.
Factors influencing insurance costs include the vehicle’s model year, driver’s record, location, and coverage levels. It’s essential to balance cost with coverage adequacy and customer service reputation when selecting an insurer.
By understanding these dynamics and exploring available discounts, Honda Odyssey owners can ensure they’re getting the most value from their car insurance policy.
If you want to learn more about the company, head to our “Collision Car Insurance: A Complete Guide.”
By entering your ZIP code below, you can get instant car insurance quotes from top providers.
Frequently Asked Questions
What factors affect the cost of Honda Odyssey car insurance?
The cost of Honda Odyssey car insurance can be influenced by various factors such as the driver’s age, location, driving record, coverage limits, deductible amount, and the insurance company’s rates.
For additional details, explore our comprehensive resource titled “Best Car Insurance for College Students.”
Are Honda Odyssey minivans expensive to insure compared to other vehicles?
Insurance rates for Honda Odyssey minivans are generally reasonable compared to other vehicles. However, the actual cost of insurance can vary depending on individual circumstances and the specific insurance provider.
Can I get a discount on Honda Odyssey car insurance?
Yes, it is possible to obtain discounts on Honda Odyssey car insurance. Many insurance companies offer discounts for factors such as having a good driving record, bundling multiple policies, installing anti-theft devices, or completing defensive driving courses.
Is comprehensive coverage necessary for a Honda Odyssey?
Comprehensive coverage is not legally required for a Honda Odyssey or any other vehicle. However, it can provide valuable protection against non-collision incidents such as theft, vandalism, or natural disasters. The need for comprehensive coverage depends on individual preferences and the value of the vehicle.
How can I find affordable insurance for my Honda Odyssey?
To find affordable insurance for your Honda Odyssey, it is recommended to shop around and compare quotes from multiple insurance providers. Additionally, maintaining a good driving record, opting for higher deductibles, and exploring available discounts can help in obtaining more cost-effective insurance coverage.
To find out more, explore our guide titled “How does my driving record affect my parents insurance rates?”
What is the meaning of TPL insurance?
Third-party insurance, a type of liability coverage, protects you in situations where someone files a claim against you for damages. For instance, in auto insurance, it covers expenses for injuries sustained by another driver in an accident caused by you.
What type of car insurance is cheapest?
Usually, comprehensive insurance tends to be the most affordable, but costs can vary based on individual situations.
Who is the top 5 insurance company?
State Farm holds the largest share of the U.S. car insurance market, accounting for 16.8% of all auto policies sold. Progressive, Geico, Allstate, USAA, Liberty Mutual, Farmers Insurance, and Travelers also hold significant market shares.
What is Honda’s cheapest vehicle?
The Honda Fit is recognized as the most affordable Honda vehicle in 2024. Priced at approximately $18,500, it presents a compelling option for budget-conscious buyers, especially given its standard features and fuel efficiency.
To learn more, explore our comprehensive resource on “Alternative Fuel for Cars: Past, Present & Future.”
What is the most economical Honda?
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
