Honda Odyssey Insurance Rates
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UPDATED: Jun 7, 2023
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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.
Estimated insurance rates for a Honda Odyssey are $1,284 a year for full coverage. Comprehensive costs approximately $226, collision costs $458, and liability insurance costs $442. A policy with only liability insurance costs as little as $496 a year, with a high-risk policy costing around $2,800. Teen drivers pay the most at $4,972 a year or more.
Average premium for full coverage: $1,284
Premium estimates by type of coverage:
Price estimates include $500 deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for different Odyssey trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Honda Odyssey go from as low as $496 for just the minimum liability insurance to a much higher rate of $2,800 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than larger metro areas.
The price range example below illustrates the difference location can make on auto insurance prices.
These rate differences show why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than relying on price 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 Analysis
The chart below shows estimated Honda Odyssey insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $740
- Drivers who choose higher $1,000 deductibles will pay $156 a year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,284
- Choosing more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,588
- High risk drivers with multiple violations and an at-fault accident could pay around $2,800 or more
- An auto insurance policy for full coverage for a teen driver with full coverage can cost $4,972 a year
Car insurance prices for a Honda Odyssey also have a wide range based on your driving characteristics, the trim level of your Odyssey, and physical damage deductibles and liability limits.
An older driver with no driving violations and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged in the ballpark of $4,900 a year. View Rates by Age
Where you choose to live makes a big difference in Honda Odyssey insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Iowa, Maine, and Idaho, or as much as $1,830 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,162 | -$122 | -9.5% |
| Alaska | $986 | -$298 | -23.2% |
| Arizona | $1,068 | -$216 | -16.8% |
| Arkansas | $1,284 | -$0 | 0.0% |
| California | $1,464 | $180 | 14.0% |
| Colorado | $1,226 | -$58 | -4.5% |
| Connecticut | $1,320 | $36 | 2.8% |
| Delaware | $1,454 | $170 | 13.2% |
| Florida | $1,606 | $322 | 25.1% |
| Georgia | $1,184 | -$100 | -7.8% |
| Hawaii | $922 | -$362 | -28.2% |
| Idaho | $870 | -$414 | -32.2% |
| Illinois | $956 | -$328 | -25.5% |
| Indiana | $966 | -$318 | -24.8% |
| Iowa | $864 | -$420 | -32.7% |
| Kansas | $1,220 | -$64 | -5.0% |
| Kentucky | $1,752 | $468 | 36.4% |
| Louisiana | $1,902 | $618 | 48.1% |
| Maine | $792 | -$492 | -38.3% |
| Maryland | $1,060 | -$224 | -17.4% |
| Massachusetts | $1,028 | -$256 | -19.9% |
| Michigan | $2,230 | $946 | 73.7% |
| Minnesota | $1,074 | -$210 | -16.4% |
| Mississippi | $1,538 | $254 | 19.8% |
| Missouri | $1,138 | -$146 | -11.4% |
| Montana | $1,382 | $98 | 7.6% |
| Nebraska | $1,012 | -$272 | -21.2% |
| Nevada | $1,540 | $256 | 19.9% |
| New Hampshire | $924 | -$360 | -28.0% |
| New Jersey | $1,436 | $152 | 11.8% |
| New Mexico | $1,138 | -$146 | -11.4% |
| New York | $1,354 | $70 | 5.5% |
| North Carolina | $740 | -$544 | -42.4% |
| North Dakota | $1,052 | -$232 | -18.1% |
| Ohio | $888 | -$396 | -30.8% |
| Oklahoma | $1,320 | $36 | 2.8% |
| Oregon | $1,178 | -$106 | -8.3% |
| Pennsylvania | $1,226 | -$58 | -4.5% |
| Rhode Island | $1,714 | $430 | 33.5% |
| South Carolina | $1,162 | -$122 | -9.5% |
| South Dakota | $1,084 | -$200 | -15.6% |
| Tennessee | $1,126 | -$158 | -12.3% |
| Texas | $1,548 | $264 | 20.6% |
| Utah | $952 | -$332 | -25.9% |
| Vermont | $878 | -$406 | -31.6% |
| Virginia | $770 | -$514 | -40.0% |
| Washington | $994 | -$290 | -22.6% |
| West Virginia | $1,178 | -$106 | -8.3% |
| Wisconsin | $888 | -$396 | -30.8% |
| Wyoming | $1,146 | -$138 | -10.7% |
Choosing high deductibles could save up to $460 each year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 42% to 130% more than average. View High Risk Driver Rates
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to compare prices from as many companies as possible. Every company uses a different rate calculation, so rate quotes will be substantially different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Odyssey EX | $1,208 | $101 |
| Honda Odyssey LX | $1,182 | $99 |
| Honda Odyssey EX W/Rear Entertainment | $1,246 | $104 |
| Honda Odyssey EX-L | $1,322 | $110 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,322 | $110 |
| Honda Odyssey EX-L W/Navigation | $1,360 | $113 |
| Honda Odyssey Touring | $1,398 | $117 |
Rates assume 2018 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 |
|---|---|---|---|---|
| 2018 Honda Odyssey | $226 | $458 | $442 | $1,284 |
| 2013 Honda Odyssey | $180 | $310 | $464 | $1,112 |
| 2012 Honda Odyssey | $176 | $288 | $474 | $1,096 |
| 2011 Honda Odyssey | $164 | $268 | $474 | $1,064 |
| 2010 Honda Odyssey | $158 | $244 | $478 | $1,038 |
| 2009 Honda Odyssey | $148 | $222 | $474 | $1,002 |
| 2008 Honda Odyssey | $140 | $202 | $474 | $974 |
| 2007 Honda Odyssey | $134 | $182 | $468 | $942 |
| 2006 Honda Odyssey | $132 | $178 | $460 | $928 |
| 2005 Honda Odyssey | $130 | $168 | $452 | $908 |
| 2004 Honda Odyssey | $120 | $160 | $446 | $884 |
| 2003 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 Cheaper Honda Odyssey Insurance
Finding better rates on Honda Odyssey insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and avoiding coverage lapses. Make time to compare rates at every policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following is a condensed summary of the data touched on in this article.
- Drivers who purchase higher liability limits will pay about $490 each year to go from 30/60 bodily injury limits to 250/500 limits
- Drivers can save around $150 per year simply by shopping early and online
- Increasing policy deductibles can save around $450 each year
- Teens pay the highest auto insurance prices, as much as $414 per month if full coverage is included
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.
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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 | $4,972 |
| 20 | $2,994 |
| 30 | $1,330 |
| 40 | $1,284 |
| 50 | $1,176 |
| 60 | $1,154 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,588 |
| $250 | $1,446 |
| $500 | $1,284 |
| $1,000 | $1,128 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,284 |
| 50/100 | $1,486 |
| 100/300 | $1,597 |
| 250/500 | $1,884 |
| 100 CSL | $1,531 |
| 300 CSL | $1,774 |
| 500 CSL | $1,951 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,070 |
| 20 | $4,778 |
| 30 | $2,848 |
| 40 | $2,800 |
| 50 | $2,676 |
| 60 | $2,654 |
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 | $68 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $57 |
| Advance Quote | $63 |
| Online Quote | $90 |
| Total Discounts | $544 |
Discounts are estimated and may not be available from every company or in every state.
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