Insurance quote for Honda Odyssey in AuroraAre you drained from wondering where the money will come from to pay high car insurance rates every month? You're in the same situation as most other vehicle owners in Colorado.

It's hard to believe, but nearly 70% of customers have purchased from the same company for at least the last four years, and about 40% of consumers have never compared quotes from other companies. Most drivers in America could save nearly 47% each year by just shopping around, but they don't know the amount of savings they would get if they switched. There are many insurance companies to insure vehicles with, and although it's nice to have a selection, more choices can make it harder to adequately compare rates for Honda Odyssey insurance in Aurora.

You need to compare prices before your policy renews since prices change quite often. If you had the best rate on Honda Odyssey insurance in Aurora six months ago you will most likely find a better premium rate today. Forget all the misinformation about car insurance because you're going to get a crash course in one of the easiest ways to find better rates and still maintain coverage.

Best Honda Odyssey insurance rates in Colorado

The companies shown below have been selected to offer quotes in Colorado. If the list has multiple companies, we suggest you get rates from several of them to get the lowest price.

Honda Odyssey Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $114 $200 $338 $20 $100 $772 $64
Odyssey EX $126 $282 $368 $22 $110 $908 $76
Odyssey EX W/Rear Entertainment $148 $306 $330 $20 $98 $902 $75
Odyssey EX-L $260 $630 $396 $24 $118 $1,428 $119
Odyssey EX-L W/Rear Entertainment $144 $350 $396 $24 $118 $1,032 $86
Odyssey EX-L W/Navigation $264 $528 $358 $22 $108 $1,280 $107
Odyssey Touring $340 $662 $474 $28 $142 $1,646 $137
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium costs do not factor in specific zip code location which can alter rates substantially.

Higher deductibles lower rates

The hardest decision when buying coverage is how high should your deductibles be. The following tables may help you to understand the costs and benefits when you choose different deductibles. The first set of prices uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.

Honda Odyssey insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $264 $448 $352 $20 $106 $1,215 $101
Odyssey EX $264 $546 $352 $20 $106 $1,313 $109
Odyssey EX W/Rear Entertainment $264 $546 $352 $20 $106 $1,313 $109
Odyssey EX-L $302 $644 $352 $20 $106 $1,449 $121
Odyssey EX-L W/Rear Entertainment $302 $644 $352 $20 $106 $1,449 $121
Odyssey EX-L W/Navigation $302 $644 $352 $20 $106 $1,449 $121
Odyssey Touring $342 $644 $352 $20 $106 $1,489 $124
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Honda Odyssey insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Odyssey LX $146 $236 $352 $20 $106 $860 $72
Odyssey EX $146 $288 $352 $20 $106 $912 $76
Odyssey EX W/Rear Entertainment $146 $288 $352 $20 $106 $912 $76
Odyssey EX-L $168 $340 $352 $20 $106 $986 $82
Odyssey EX-L W/Rear Entertainment $168 $340 $352 $20 $106 $986 $82
Odyssey EX-L W/Navigation $168 $340 $352 $20 $106 $986 $82
Odyssey Touring $190 $340 $352 $20 $106 $1,008 $84
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Information does not factor in zip code location which can raise or lower coverage prices noticeably.

We can estimate from the data above that using a $100 deductible will cost in the ballpark of $36 more each month or $432 each year than choosing the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 25 months between claim filings, you would save money by selecting a higher deductible. Here is how we made this calculation.

Average monthly premium for $100 deductibles: $115
Average monthly premium for $1,000 deductibles (subtract): - $79
Monthly savings from raising deductible: $36
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

An important sidenote is that a higher deductible level results in a higher out-of-pocket expense when you have to file a claim. That will necessitate enough disposable income in order to pay the higher deductible in order to repair your vehicle.

Policy deductibles

The example below shows how different deductible levels and can affect Honda Odyssey yearly insurance costs for different ages of insureds. The data assumes a single female driver, comprehensive and collision coverage, and no policy discounts are applied.

Save with these discounts

Car insurance companies don't always list every discount they offer very clearly, so the below list has some of the more common as well as the least known discounts that may be available.

One last thing about discounts, most discounts do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, companies wouldn't make money that way.

A few companies that may offer policyholders most of these discounts include:

If you need lower rates, check with every insurance company how you can save money. All car insurance discounts may not be available in Aurora. To view auto insurance companies who offer auto insurance discounts in Aurora, click this link.

What is the best insurance coverage?

When it comes to buying the right insurance coverage, there isn't really a one-size-fits-all type of policy. Everyone's situation is a little different and your insurance should be unique as well. For example, these questions can help discover whether or not you would benefit from professional advice.

If you're not sure about those questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It is quick, free and you can get the answers you need.

When to have guidance from an agent

Some consumers just prefer to talk to a local agent and that is OK! Good insurance agents can point out coverage gaps and help submit paperwork. An additional benefit of getting free rate quotes online is that you can find cheap rate quotes but still work with a licensed agent. Buying insurance from neighborhood insurance agencies is especially important in Aurora.

Find insurance agent in AuroraTo find an agent, once you fill out this form (opens in new window), your insurance coverage information is transmitted to participating agents in Aurora who will give competitive quotes and help you find cheaper coverage. You won't even need to contact any insurance agencies because quoted prices will be sent to your email. If you want to get a price quote from a specific company, you just need to navigate to their website and fill out the quote form the provide.

What type of Aurora auto insurance agent is right for you?

If you prefer to buy insurance from a local insurance agency, you must know there are a couple different types of agencies from which to choose. Insurance agencies in Aurora are categorized either exclusive or independent agents depending on their company appointments. Both can write insurance policies, but it's worth mentioning how they are different because it can impact the selection process.

Independent Insurance Agencies

Agents that elect to be independent can sell policies from many different companies and that enables them to quote your coverage through many companies and find the cheapest insurance rates. If premiums increase, they can switch companies in-house which is easy for the insured.

When comparing rate quotes, we recommend you include price quotes from several independent agencies in order to have the best price comparison.

The following is a short list of independent insurance agencies in Aurora that may be able to provide pricing information.


2222 S Fraser St Unit 4 - Aurora, CO 80014 - (303) 368-5839 - View Map


1080 S Sable Blvd - Aurora, CO 80012 - (303) 344-2886 - View Map


13693 E Iliff Ave - Aurora, CO 80014 - (303) 755-8600 - View Map

More Aurora agents

Exclusive Insurance Agents

Exclusive insurance agents are contracted to one company such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to compare other company's rates so they really need to provide good service. Exclusive insurance agents are well trained on what they offer and that can be a competitive advantage.

Listed below are exclusive insurance agencies in Aurora that are able to give price quote information.


6155 S Main St #240 - Aurora, CO 80016 - (303) 680-7777 - View Map


14571 E Mississippi Ave - Aurora, CO 80012 - (303) 369-4100 - View Map


9801 E Colfax Ave - Aurora, CO 80010 - (303) 344-1175 - View Map

More Aurora agents

Choosing the best insurance agent requires you to look at more than just the premium amount. You should also get answers to these questions.

Affordable insurance prices are available

We just presented a lot of ways to shop for Honda Odyssey insurance online. It's most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from an unexpected company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.

As you prepare to switch companies, make sure you don't reduce coverage to reduce premium. Too many times, someone sacrificed liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find at a price you can afford, but do not skimp to save money.

More information can be found at these links: