Honda Odyssey Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 17, 2024

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Honda Odyssey insurance

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 $1,328 a year including full coverage. Comprehensive insurance costs an estimated $268 each year, collision costs $512, and liability costs $390. A policy with just liability insurance costs as little as $452 a year, with coverage for high-risk drivers costing $2,876 or more. Teenage drivers pay the highest rates at $4,992 a year or more.

Average premium for full coverage: $1,328

Price estimates broken down by individual coverage:

Comprehensive $268
Collision $512
Liability $390

Prices include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. 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 $452 for just liability coverage to a high rate of $2,876 for a driver who requires high-risk insurance.

Liability Only $452
Full Coverage $1,328
High Risk $2,876

Geographic Price Range

Your location can make a big difference on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how your location can change insurance prices.

Rural Areas $996
Small Cities $1,394
Large Cities $1,793

The ranges above highlight why all drivers should compare rates for a targeted area, instead of making a decision based on average rates.

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.

Detailed Rate Analysis

The chart below breaks down estimated Honda Odyssey insurance rates for other coverage scenarios.

  • The best discount rate is $763
  • Drivers who choose higher $1,000 deductibles will pay approximately $178 every year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,328
  • Using low deductibles for comprehensive and collision insurance will cost an additional $342 annually
  • Drivers who are prone to accidents and violations could pay up to $2,876 or more
  • The price that insures a 16-year-old driver can cost as much as $4,992 a year

View Chart as Image

Honda Odyssey insurance cost comparison chart
Column chart showing full coverage Honda Odyssey insurance prices range from $763 to $4,992

Insurance prices for a Honda Odyssey are also quite variable based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers can cost from 44% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,900 a year. View Rates by Age

The state you live in makes a big difference in Honda Odyssey insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,890 on average in Louisiana, New York, and Michigan.

Honda Odyssey Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,200 -$128 -9.6%
Alaska $1,018 -$310 -23.3%
Arizona $1,102 -$226 -17.0%
Arkansas $1,328 -$0 0.0%
California $1,510 $182 13.7%
Colorado $1,268 -$60 -4.5%
Connecticut $1,364 $36 2.7%
Delaware $1,502 $174 13.1%
Florida $1,660 $332 25.0%
Georgia $1,226 -$102 -7.7%
Hawaii $952 -$376 -28.3%
Idaho $898 -$430 -32.4%
Illinois $988 -$340 -25.6%
Indiana $1,000 -$328 -24.7%
Iowa $896 -$432 -32.5%
Kansas $1,262 -$66 -5.0%
Kentucky $1,810 $482 36.3%
Louisiana $1,964 $636 47.9%
Maine $818 -$510 -38.4%
Maryland $1,094 -$234 -17.6%
Massachusetts $1,062 -$266 -20.0%
Michigan $2,306 $978 73.6%
Minnesota $1,110 -$218 -16.4%
Mississippi $1,588 $260 19.6%
Missouri $1,178 -$150 -11.3%
Montana $1,426 $98 7.4%
Nebraska $1,046 -$282 -21.2%
Nevada $1,590 $262 19.7%
New Hampshire $954 -$374 -28.2%
New Jersey $1,484 $156 11.7%
New Mexico $1,174 -$154 -11.6%
New York $1,398 $70 5.3%
North Carolina $764 -$564 -42.5%
North Dakota $1,086 -$242 -18.2%
Ohio $916 -$412 -31.0%
Oklahoma $1,362 $34 2.6%
Oregon $1,216 -$112 -8.4%
Pennsylvania $1,268 -$60 -4.5%
Rhode Island $1,770 $442 33.3%
South Carolina $1,202 -$126 -9.5%
South Dakota $1,120 -$208 -15.7%
Tennessee $1,164 -$164 -12.3%
Texas $1,600 $272 20.5%
Utah $982 -$346 -26.1%
Vermont $908 -$420 -31.6%
Virginia $794 -$534 -40.2%
Washington $1,024 -$304 -22.9%
West Virginia $1,216 -$112 -8.4%
Wisconsin $920 -$408 -30.7%
Wyoming $1,184 -$144 -10.8%

View Chart as Image

Honda Odyssey insurance rates by U.S. city

Using high physical damage deductibles could save up to $520 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison from multiple companies. Every company uses a different method to calculate prices, so the prices may be quite different.

Insurance Rates by Trim Level and Model Year

Honda Odyssey Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Honda Odyssey EX $1,242 $104
Honda Odyssey LX $1,212 $101
Honda Odyssey EX W/Rear Entertainment $1,284 $107
Honda Odyssey EX-L $1,370 $114
Honda Odyssey EX-L W/Rear Entertainment $1,370 $114
Honda Odyssey EX-L W/Navigation $1,412 $118
Honda Odyssey Touring $1,454 $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.

Honda Odyssey Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Honda Odyssey $280 $532 $372 $1,342
2023 Honda Odyssey $268 $512 $390 $1,328
2022 Honda Odyssey $256 $506 $398 $1,318
2021 Honda Odyssey $248 $494 $416 $1,316
2020 Honda Odyssey $240 $474 $430 $1,302
2019 Honda Odyssey $226 $458 $442 $1,284
2018 Honda Odyssey $218 $424 $452 $1,252
2017 Honda Odyssey $208 $400 $456 $1,222
2016 Honda Odyssey $200 $358 $460 $1,176
2015 Honda Odyssey $188 $330 $460 $1,136
2014 Honda Odyssey $180 $310 $464 $1,112
2013 Honda Odyssey $176 $288 $474 $1,096
2012 Honda Odyssey $164 $268 $474 $1,064
2011 Honda Odyssey $158 $244 $478 $1,038
2010 Honda Odyssey $148 $222 $474 $1,002
2009 Honda Odyssey $140 $202 $474 $974
2008 Honda Odyssey $134 $182 $468 $942
2007 Honda Odyssey $132 $178 $460 $928
2006 Honda Odyssey $130 $168 $452 $908
2005 Honda Odyssey $120 $160 $446 $884

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 Right Honda Odyssey Insurance

Getting lower rates on insurance for a Honda Odyssey not only requires being a low-risk driver, but also having above-average credit, being claim-free, and taking advantage of discounts. Compare prices at every other renewal by requesting rates from direct car insurance companies, and also from your local car insurance providers.

The items below are a quick rundown of the concepts that were illustrated above.

  • Drivers considered higher risk with reckless driving or DUI convictions could be charged and average of $1,550 more annually to insure their Odyssey
  • Teen drivers are charged the highest prices, possibly costing $416 a month if full coverage is included
  • You may be able to save approximately $160 per year simply by quoting online in advance
  • Increasing physical damage deductibles can save approximately $525 each year
  • You may be able to save approximately $160 per year simply by quoting online in advance

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.

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

  1. https://www.iihs.org/ratings/vehicle/honda/odyssey-minivan/2020

Rates by Driver Age

Honda Odyssey Insurance Rates by Driver Age
Driver Age Premium
16 $4,992
20 $3,076
30 $1,382
40 $1,328
50 $1,214
60 $1,190

Full coverage, $500 deductibles

Rates by Deductible

Honda Odyssey Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,670
$250 $1,510
$500 $1,328
$1,000 $1,150

Full coverage, driver age 40

Rates by Liability Limit

Honda Odyssey Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,328
50/100 $1,532
100/300 $1,630
250/500 $1,883
100 CSL $1,571
300 CSL $1,786
500 CSL $1,942

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Odyssey Insurance Rates for High Risk Drivers
Age Premium
16 $7,116
20 $4,896
30 $2,936
40 $2,876
50 $2,746
60 $2,722

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.

SR-22 Surcharge $186

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 $98
5-yr Claim Free $86
Paid in Full/EFT $61
Advance Quote $66
Online Quote $94
Total Discounts $565
Rate after discounts $763

Discounts are estimated and may not be available from every company or in every state.

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