Honda Odyssey Insurance Rates
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Michelle Robbins
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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...
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UPDATED: May 17, 2024
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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.
U.S. average insurance rates for a Honda Odyssey are $1,318 a year for full coverage. Comprehensive costs around $256 each year, collision costs $506, and liability insurance is estimated at $398. Liability-only insurance costs approximately $460 a year, with high-risk driver insurance costing around $2,868. 16-year-old drivers pay the highest rates at $5,002 a year or more.
Average premium for full coverage: $1,318
Price estimates for individual coverage:
Price estimates include $500 deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Odyssey models.
Price Range from Low to High
For a 40-year-old driver, Honda Odyssey insurance prices go from the low end price of $460 for minimum levels of liability insurance to a high rate of $2,868 for a high-risk insurance policy.
Geographic Price Range
Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population have lower incidents of accident claims than congested cities.
The graphic below illustrates how your location can change auto insurance rates.
The ranges above show why all drivers should get quotes for a specific zip code, rather than relying on 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 shows estimated Honda Odyssey insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $757
- Choosing higher $1,000 deductibles can save about $170 a year
- The estimated price for the average middle-age driver using $500 deductibles is $1,318
- Buying low deductibles for comp and collision coverage bumps up the cost to $1,658
- High-risk insureds with multiple tickets or accidents could pay at least $2,868 or more
- The price that insures a teen driver can be $5,002 each year
Car insurance prices for a Honda Odyssey are also quite variable based on the trim level and model year, how you drive, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you could be paying at least $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 135% more than the average rate. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $5,000 a year. View Rates by Age
The state you live in plays a big part in determining prices for Honda Odyssey insurance rates. A good driver about age 40 could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or at least $1,880 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,194 | -$124 | -9.4% |
| Alaska | $1,012 | -$306 | -23.2% |
| Arizona | $1,094 | -$224 | -17.0% |
| Arkansas | $1,318 | -$0 | 0.0% |
| California | $1,504 | $186 | 14.1% |
| Colorado | $1,262 | -$56 | -4.2% |
| Connecticut | $1,358 | $40 | 3.0% |
| Delaware | $1,494 | $176 | 13.4% |
| Florida | $1,652 | $334 | 25.3% |
| Georgia | $1,218 | -$100 | -7.6% |
| Hawaii | $948 | -$370 | -28.1% |
| Idaho | $894 | -$424 | -32.2% |
| Illinois | $986 | -$332 | -25.2% |
| Indiana | $994 | -$324 | -24.6% |
| Iowa | $892 | -$426 | -32.3% |
| Kansas | $1,256 | -$62 | -4.7% |
| Kentucky | $1,802 | $484 | 36.7% |
| Louisiana | $1,954 | $636 | 48.3% |
| Maine | $814 | -$504 | -38.2% |
| Maryland | $1,088 | -$230 | -17.5% |
| Massachusetts | $1,058 | -$260 | -19.7% |
| Michigan | $2,294 | $976 | 74.1% |
| Minnesota | $1,104 | -$214 | -16.2% |
| Mississippi | $1,584 | $266 | 20.2% |
| Missouri | $1,172 | -$146 | -11.1% |
| Montana | $1,418 | $100 | 7.6% |
| Nebraska | $1,042 | -$276 | -20.9% |
| Nevada | $1,584 | $266 | 20.2% |
| New Hampshire | $952 | -$366 | -27.8% |
| New Jersey | $1,476 | $158 | 12.0% |
| New Mexico | $1,172 | -$146 | -11.1% |
| New York | $1,392 | $74 | 5.6% |
| North Carolina | $762 | -$556 | -42.2% |
| North Dakota | $1,080 | -$238 | -18.1% |
| Ohio | $914 | -$404 | -30.7% |
| Oklahoma | $1,358 | $40 | 3.0% |
| Oregon | $1,210 | -$108 | -8.2% |
| Pennsylvania | $1,260 | -$58 | -4.4% |
| Rhode Island | $1,762 | $444 | 33.7% |
| South Carolina | $1,198 | -$120 | -9.1% |
| South Dakota | $1,114 | -$204 | -15.5% |
| Tennessee | $1,156 | -$162 | -12.3% |
| Texas | $1,592 | $274 | 20.8% |
| Utah | $978 | -$340 | -25.8% |
| Vermont | $904 | -$414 | -31.4% |
| Virginia | $790 | -$528 | -40.1% |
| Washington | $1,022 | -$296 | -22.5% |
| West Virginia | $1,210 | -$108 | -8.2% |
| Wisconsin | $914 | -$404 | -30.7% |
| Wyoming | $1,176 | -$142 | -10.8% |
Opting for high physical damage deductibles can save as much as $510 each year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know your exact price is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Odyssey EX | $1,236 | $103 |
| Honda Odyssey LX | $1,206 | $101 |
| Honda Odyssey EX W/Rear Entertainment | $1,278 | $107 |
| Honda Odyssey EX-L | $1,362 | $114 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,362 | $114 |
| Honda Odyssey EX-L W/Navigation | $1,404 | $117 |
| Honda Odyssey Touring | $1,446 | $121 |
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 | $268 | $512 | $390 | $1,328 |
| 2023 Honda Odyssey | $256 | $506 | $398 | $1,318 |
| 2022 Honda Odyssey | $248 | $494 | $416 | $1,316 |
| 2021 Honda Odyssey | $240 | $474 | $430 | $1,302 |
| 2020 Honda Odyssey | $226 | $458 | $442 | $1,284 |
| 2019 Honda Odyssey | $218 | $424 | $452 | $1,252 |
| 2018 Honda Odyssey | $208 | $400 | $456 | $1,222 |
| 2017 Honda Odyssey | $200 | $358 | $460 | $1,176 |
| 2016 Honda Odyssey | $188 | $330 | $460 | $1,136 |
| 2015 Honda Odyssey | $180 | $310 | $464 | $1,112 |
| 2014 Honda Odyssey | $176 | $288 | $474 | $1,096 |
| 2013 Honda Odyssey | $164 | $268 | $474 | $1,064 |
| 2012 Honda Odyssey | $158 | $244 | $478 | $1,038 |
| 2011 Honda Odyssey | $148 | $222 | $474 | $1,002 |
| 2010 Honda Odyssey | $140 | $202 | $474 | $974 |
| 2009 Honda Odyssey | $134 | $182 | $468 | $942 |
| 2008 Honda Odyssey | $132 | $178 | $460 | $928 |
| 2007 Honda Odyssey | $130 | $168 | $452 | $908 |
| 2006 Honda Odyssey | $120 | $160 | $446 | $884 |
| 2005 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
Getting lower rates on Honda Odyssey insurance takes not taking risks behind the wheel, having a positive credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Comparison shop at least every other year by obtaining price quotes from direct carriers, and also from several local insurance agents.
The following is a condensed summary of the car insurance concepts illustrated above.
- High-risk drivers with multiple at-fault accidents pay on average $1,550 more every year for Odyssey insurance
- Drivers can save up to $160 per year simply by quoting online in advance
- Increasing physical damage deductibles can save approximately $500 each year
- Drivers who may need higher liability limits will pay around $440 each year to raise limits from a low limit to the 250/500 level
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 | $5,002 |
| 20 | $3,074 |
| 30 | $1,376 |
| 40 | $1,318 |
| 50 | $1,208 |
| 60 | $1,184 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,658 |
| $250 | $1,500 |
| $500 | $1,318 |
| $1,000 | $1,148 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,318 |
| 50/100 | $1,526 |
| 100/300 | $1,625 |
| 250/500 | $1,884 |
| 100 CSL | $1,565 |
| 300 CSL | $1,784 |
| 500 CSL | $1,944 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,128 |
| 20 | $4,888 |
| 30 | $2,928 |
| 40 | $2,868 |
| 50 | $2,740 |
| 60 | $2,716 |
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 | $70 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $60 |
| Advance Quote | $66 |
| Online Quote | $93 |
| Total Discounts | $561 |
Discounts are estimated and may not be available from every company or in every state.
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