Honda Odyssey Insurance Rates
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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...
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UPDATED: Jun 2, 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.
Average insurance rates for a Honda Odyssey are $1,316 a year for full coverage. Comprehensive costs on average $248, collision insurance costs $494, and liability coverage is $416. A liability-only policy costs around $474 a year, and high-risk insurance costs around $2,866. Teens receive the highest rates at up to $5,024 a year.
Average premium for full coverage: $1,316
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for all Odyssey models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as low as $474 for just the minimum liability insurance to the much higher price of $2,866 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural areas tend to have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates the difference location can make on car insurance rates.
These examples show why everyone should compare rates quotes based on a specific location and risk profile, rather than using averaged prices.
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 average Honda Odyssey insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $758
- Raising to $1,000 deductibles will save around $168 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,316
- Selecting pricier low deductibles will increase the cost to $1,646
- Unlucky drivers with serious driving violations could pay upwards of $2,866
- The cost for full coverage for a teenage driver for full coverage may cost $5,024
Insurance rates for a Honda Odyssey can also vary considerably based on your driver profile, the trim level of your Odyssey, and policy deductibles and limits.
A more mature driver with a clean driving record and high deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay upwards of $5,000 a year. View Rates by Age
Where you live also has a big influence on Honda Odyssey insurance rates. A middle-age driver might find rates as low as $870 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,880 on average in Michigan, Louisiana, 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $500 a year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $375 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 extra per year, depending on your age. Honda Odyssey insurance for high-risk drivers is expensive and can cost around 44% to 135% more than the average policy. 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 Cheap Honda Odyssey Insurance
Saving money on auto insurance consists of avoiding accidents and claims, maintaining good credit, eliminating unneeded coverage, and determing if full coverage is necessary. Make time to compare rates every time your policy renews by requesting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.
The points below are a quick review of the information touched on in this article.
- Drivers can save as much as $160 per year just by quoting online well ahead of the renewal date
- Drivers under the age of 20 pay the highest rates, costing as high as $419 per month for full coverage
- Increasing deductibles can save around $500 each year
- Drivers with a DUI or reckless driving violation will pay on average $1,550 more each year to insure a Honda Odyssey
- Consumers who require increased liability limits will pay approximately $460 each year to raise from a minimum limit to 250/500 limits
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 | $5,024 |
| 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.
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