Honda Odyssey Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 17, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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.
Average insurance rates for a Honda Odyssey are $1,316 a year with full coverage. Comprehensive costs around $248, collision insurance costs $494, and liability is $416. Buying just liability costs around $474 a year, and insurance for high-risk drivers costs around $2,866. 16-year-old drivers receive the highest rates at up to $5,024 a year.
Average premium for full coverage: $1,316
Rate estimates for individual coverage type:
Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for all Odyssey models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from as low as $474 for minimum levels of liability insurance to the much higher price of $2,866 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than congested cities. The example below illustrates how where you live affects auto insurance rates.
These examples demonstrate why everyone should compare rates quotes for a specific zip code and risk profile, instead of using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below details average Honda Odyssey insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $758
- Raising to $1,000 deductibles will save about $168 annually
- The average rate for a 40-year-old driver using $500 deductibles is $1,316
- Buying pricier low deductibles will increase the cost to $1,646
- At-risk drivers with multiple tickets or accidents could pay at least $2,866
- The cost for full coverage for a teen driver for full coverage can be $5,024
Auto insurance rates for a Honda Odyssey can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.
A more mature driver with a good driving record and high deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay as much as $5,000 a year. View Rates by Age
Where you live also has a big influence on Honda Odyssey insurance prices. A middle-age driver might find rates as low as $950 a year in states like New Hampshire, Ohio, and Utah, or at least $1,780 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,190 | -$126 | -9.6% |
| Alaska | $1,012 | -$304 | -23.1% |
| Arizona | $1,094 | -$222 | -16.9% |
| Arkansas | $1,316 | -$0 | 0.0% |
| California | $1,500 | $184 | 14.0% |
| Colorado | $1,258 | -$58 | -4.4% |
| Connecticut | $1,354 | $38 | 2.9% |
| Delaware | $1,490 | $174 | 13.2% |
| Florida | $1,648 | $332 | 25.2% |
| Georgia | $1,214 | -$102 | -7.8% |
| Hawaii | $946 | -$370 | -28.1% |
| Idaho | $892 | -$424 | -32.2% |
| Illinois | $980 | -$336 | -25.5% |
| Indiana | $990 | -$326 | -24.8% |
| Iowa | $890 | -$426 | -32.4% |
| Kansas | $1,254 | -$62 | -4.7% |
| Kentucky | $1,796 | $480 | 36.5% |
| Louisiana | $1,950 | $634 | 48.2% |
| Maine | $812 | -$504 | -38.3% |
| Maryland | $1,086 | -$230 | -17.5% |
| Massachusetts | $1,054 | -$262 | -19.9% |
| Michigan | $2,286 | $970 | 73.7% |
| Minnesota | $1,102 | -$214 | -16.3% |
| Mississippi | $1,576 | $260 | 19.8% |
| Missouri | $1,170 | -$146 | -11.1% |
| Montana | $1,416 | $100 | 7.6% |
| Nebraska | $1,040 | -$276 | -21.0% |
| Nevada | $1,580 | $264 | 20.1% |
| New Hampshire | $948 | -$368 | -28.0% |
| New Jersey | $1,470 | $154 | 11.7% |
| New Mexico | $1,166 | -$150 | -11.4% |
| New York | $1,386 | $70 | 5.3% |
| North Carolina | $758 | -$558 | -42.4% |
| North Dakota | $1,076 | -$240 | -18.2% |
| Ohio | $912 | -$404 | -30.7% |
| Oklahoma | $1,352 | $36 | 2.7% |
| Oregon | $1,208 | -$108 | -8.2% |
| Pennsylvania | $1,256 | -$60 | -4.6% |
| Rhode Island | $1,756 | $440 | 33.4% |
| South Carolina | $1,192 | -$124 | -9.4% |
| South Dakota | $1,114 | -$202 | -15.3% |
| Tennessee | $1,152 | -$164 | -12.5% |
| Texas | $1,588 | $272 | 20.7% |
| Utah | $976 | -$340 | -25.8% |
| Vermont | $902 | -$414 | -31.5% |
| Virginia | $788 | -$528 | -40.1% |
| Washington | $1,020 | -$296 | -22.5% |
| West Virginia | $1,208 | -$108 | -8.2% |
| Wisconsin | $912 | -$404 | -30.7% |
| Wyoming | $1,172 | -$144 | -10.9% |
Opting for high physical damage deductibles can reduce rates by up to $500 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out at least $1,600 to $2,200 in extra premium per year, depending on your age. Honda Odyssey insurance for high-risk drivers is expensive and can cost as much as 44% to 135% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Odyssey EX | $1,234 | $103 |
| Honda Odyssey LX | $1,206 | $101 |
| Honda Odyssey EX W/Rear Entertainment | $1,276 | $106 |
| Honda Odyssey EX-L | $1,358 | $113 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,358 | $113 |
| Honda Odyssey EX-L W/Navigation | $1,398 | $117 |
| Honda Odyssey Touring | $1,440 | $120 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Honda Odyssey | $256 | $506 | $398 | $1,318 |
| 2023 Honda Odyssey | $248 | $494 | $416 | $1,316 |
| 2022 Honda Odyssey | $240 | $474 | $430 | $1,302 |
| 2021 Honda Odyssey | $226 | $458 | $442 | $1,284 |
| 2020 Honda Odyssey | $218 | $424 | $452 | $1,252 |
| 2019 Honda Odyssey | $208 | $400 | $456 | $1,222 |
| 2018 Honda Odyssey | $200 | $358 | $460 | $1,176 |
| 2017 Honda Odyssey | $188 | $330 | $460 | $1,136 |
| 2016 Honda Odyssey | $180 | $310 | $464 | $1,112 |
| 2015 Honda Odyssey | $176 | $288 | $474 | $1,096 |
| 2014 Honda Odyssey | $164 | $268 | $474 | $1,064 |
| 2013 Honda Odyssey | $158 | $244 | $478 | $1,038 |
| 2012 Honda Odyssey | $148 | $222 | $474 | $1,002 |
| 2011 Honda Odyssey | $140 | $202 | $474 | $974 |
| 2010 Honda Odyssey | $134 | $182 | $468 | $942 |
| 2009 Honda Odyssey | $132 | $178 | $460 | $928 |
| 2008 Honda Odyssey | $130 | $168 | $452 | $908 |
| 2007 Honda Odyssey | $120 | $160 | $446 | $884 |
| 2006 Honda Odyssey | $116 | $152 | $442 | $868 |
Rates are averaged for all Honda Odyssey models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Honda Odyssey Insurance
Saving money on car insurance consists of avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop once a year by requesting quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.
The points below are a brief recap of the data that was touched on in the above illustrations.
- You may be able to save up to $160 per year just by quoting online well ahead of the renewal date
- Policyholders who may need increased liability limits will pay around $460 every year to raise from a minimum limit to 250/500 limits
- Drivers under the age of 20 are expensive to insure, with premiums as much as $419 per month if they have full coverage
- Higher risk drivers who tend to receive serious violations pay an average of $1,550 more every year to insure a Honda Odyssey
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,024 |
| 20 | $3,066 |
| 30 | $1,368 |
| 40 | $1,316 |
| 50 | $1,204 |
| 60 | $1,182 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,646 |
| $250 | $1,492 |
| $500 | $1,316 |
| $1,000 | $1,148 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,316 |
| 50/100 | $1,523 |
| 100/300 | $1,627 |
| 250/500 | $1,898 |
| 100 CSL | $1,565 |
| 300 CSL | $1,794 |
| 500 CSL | $1,960 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,156 |
| 20 | $4,886 |
| 30 | $2,922 |
| 40 | $2,866 |
| 50 | $2,736 |
| 60 | $2,712 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $69 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $59 |
| Advance Quote | $65 |
| Online Quote | $93 |
| Total Discounts | $558 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
