Honda Odyssey Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 7, 2021

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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.

Average insurance rates for a Honda Odyssey are $1,302 a year for full coverage. Comprehensive costs on average $240 a year, collision costs $474, and liability insurance costs $430. A liability-only policy costs as little as $486 a year, with high-risk insurance costing around $2,830. Teen drivers receive the highest rates at $4,994 a year or more.

Average premium for full coverage: $1,302

Rate estimates by individual coverage type:

Comprehensive $240
Collision $474
Liability $430

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Odyssey trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $486 for only liability insurance to a high of $2,830 for a high risk driver.

Liability Only $486
Full Coverage $1,302
High Risk $2,830

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $977
Small Cities $1,367
Large Cities $1,758

These examples show why it is important to compare rates based on a 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.

Insurance Rate Analysis

The chart below shows estimated Honda Odyssey insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $750
  • Drivers who choose higher $1,000 deductibles will pay around $1,140 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,302
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,618
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,830 or more
  • The cost for full coverage for a teen driver may cost $4,994 a year

View Chart as Image

Honda Odyssey insurance cost comparison chart
Column chart showing full coverage Honda Odyssey insurance rates range from $750 to $4,994

for a Honda Odyssey can also vary considerably based on your driver profile, the trim level of your Odyssey, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,900 a year. View Rates by Age

Where you live makes a big difference in Honda Odyssey insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or as much as $1,860 on average in Michigan, Louisiana, and New York.

Honda Odyssey Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,176 -$126 -9.7%
Alaska $1,000 -$302 -23.2%
Arizona $1,080 -$222 -17.1%
Arkansas $1,302 -$0 0.0%
California $1,482 $180 13.8%
Colorado $1,242 -$60 -4.6%
Connecticut $1,338 $36 2.8%
Delaware $1,472 $170 13.1%
Florida $1,626 $324 24.9%
Georgia $1,200 -$102 -7.8%
Hawaii $934 -$368 -28.3%
Idaho $880 -$422 -32.4%
Illinois $970 -$332 -25.5%
Indiana $980 -$322 -24.7%
Iowa $878 -$424 -32.6%
Kansas $1,238 -$64 -4.9%
Kentucky $1,774 $472 36.3%
Louisiana $1,926 $624 47.9%
Maine $802 -$500 -38.4%
Maryland $1,074 -$228 -17.5%
Massachusetts $1,042 -$260 -20.0%
Michigan $2,262 $960 73.7%
Minnesota $1,088 -$214 -16.4%
Mississippi $1,558 $256 19.7%
Missouri $1,154 -$148 -11.4%
Montana $1,400 $98 7.5%
Nebraska $1,026 -$276 -21.2%
Nevada $1,558 $256 19.7%
New Hampshire $938 -$364 -28.0%
New Jersey $1,456 $154 11.8%
New Mexico $1,152 -$150 -11.5%
New York $1,370 $68 5.2%
North Carolina $750 -$552 -42.4%
North Dakota $1,066 -$236 -18.1%
Ohio $900 -$402 -30.9%
Oklahoma $1,336 $34 2.6%
Oregon $1,192 -$110 -8.4%
Pennsylvania $1,242 -$60 -4.6%
Rhode Island $1,734 $432 33.2%
South Carolina $1,178 -$124 -9.5%
South Dakota $1,098 -$204 -15.7%
Tennessee $1,140 -$162 -12.4%
Texas $1,568 $266 20.4%
Utah $962 -$340 -26.1%
Vermont $892 -$410 -31.5%
Virginia $780 -$522 -40.1%
Washington $1,006 -$296 -22.7%
West Virginia $1,192 -$110 -8.4%
Wisconsin $902 -$400 -30.7%
Wyoming $1,158 -$144 -11.1%

View Chart as Image

Honda Odyssey insurance rates by U.S. city

Choosing high deductibles could save up to $480 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $387 . 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 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 137% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $1,222 $102
Honda Odyssey LX $1,194 $100
Honda Odyssey EX W/Rear Entertainment $1,262 $105
Honda Odyssey EX-L $1,340 $112
Honda Odyssey EX-L W/Rear Entertainment $1,340 $112
Honda Odyssey EX-L W/Navigation $1,380 $115
Honda Odyssey Touring $1,420 $118

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.

Honda Odyssey Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Honda Odyssey $240 $474 $430 $1,302
2013 Honda Odyssey $188 $330 $460 $1,136
2012 Honda Odyssey $180 $310 $464 $1,112
2011 Honda Odyssey $176 $288 $474 $1,096
2010 Honda Odyssey $164 $268 $474 $1,064
2009 Honda Odyssey $158 $244 $478 $1,038
2008 Honda Odyssey $148 $222 $474 $1,002
2007 Honda Odyssey $140 $202 $474 $974
2006 Honda Odyssey $134 $182 $468 $942
2005 Honda Odyssey $132 $178 $460 $928
2004 Honda Odyssey $130 $168 $452 $908
2003 Honda Odyssey $120 $160 $446 $884
2002 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

Saving money on Honda Odyssey insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $475 each year
  • Drivers can save as much as $160 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $470 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $416 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,530 more each year for insurance

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 $4,994
20 $3,030
30 $1,348
40 $1,302
50 $1,192
60 $1,168

Full coverage, $500 deductibles

Rates by Deductible

Honda Odyssey Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,618
$250 $1,470
$500 $1,302
$1,000 $1,140

Full coverage, driver age 40

Rates by Liability Limit

Honda Odyssey Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,302
50/100 $1,506
100/300 $1,614
250/500 $1,893
100 CSL $1,549
300 CSL $1,786
500 CSL $1,958

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Odyssey Insurance Rates for High Risk Drivers
Age Premium
16 $7,108
20 $4,828
30 $2,882
40 $2,830
50 $2,706
60 $2,682

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 $184

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 $95
5-yr Claim Free $84
Paid in Full/EFT $58
Advance Quote $64
Online Quote $92
Total Discounts $552
Rate after discounts $750

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

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