Yes, full coverage makes sense for a 2021 Honda Odyssey. This 5-year-old minivan holds $25,000 to $30,000 in value. Full coverage pays for damage to your own vehicle from crashes, theft, or other issues. Liability-only insurance covers just others' damage. You foot the bill for your repairs otherwise.
Nationwide, full coverage averages $153 per month or $1,836 per year. Near 19301 in Pennsylvania, you pay $120 to $200 monthly because of local traffic and rates. Liability-only runs $81 monthly or $972 yearly. You save over $1,000 a year with liability. One crash can cost $5,000 to $15,000 though.
| Coverage Type | Monthly Cost | Yearly Cost |
|---|---|---|
| Liability Only | $81 | $972 |
| Full Coverage | $153 avg | $1,836 |
Quotes for 2021 models range from $878 to $1,966 yearly. GEICO offers around $1,657. Nationwide quotes $1,741.
When Full Coverage Pays Off
Choose full coverage if:
- You still owe money on a loan or lease. Lenders demand it.
- Your Odyssey values more than $20,000. Repairs often hit $5,000 or more.
- You drive around 19301. Theft and crash risks run high there.
- You haul family or gear. One wreck totals $15,000 easy.
Drop to liability if you own it free and clear, park in a garage, and drive few miles. Pennsylvania law requires liability to cover others.
Odyssey Repair and Risk Facts
Honda Odysseys face low theft rates. They score top marks for safety. Insurance costs beat other minivans. A simple fender bender still runs $3,000 to $7,000. Theft near 19301 averages $8,000 in losses. Full coverage with a $1,000 deductible covers most claims.
Tips to Decide and Save
- Check your van's value on Kelley Blue Book. Over $20,000 means get full coverage.
- Shop quotes from GEICO, Progressive, and State Farm. Save 20% to 30%.
- Bump your deductible to $1,000. Premiums fall 15%.
- Bundle with home insurance. Score 10% off.
- Track costs and find best insurance with Sidekick.
Clean driving records near 19301 cut quotes to $100 monthly. Full coverage beats a $10,000 surprise bill. Keep your family van safe.