Honda Odyssey Insurance Rates
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UPDATED: Jun 4, 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 $1,252 a year with full coverage. Comprehensive insurance costs an estimated $218, collision costs $424, and liability coverage is $452. Liability-only coverage costs around $504 a year, with high-risk coverage costing $2,726 or more. Teen drivers receive the highest rates at $4,868 a year or more.
Average premium for full coverage: $1,252
Rate estimates broken down by individual coverage type:
Includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for different Odyssey trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the low end price of $504 for your basic liability-only policy to a much higher rate of $2,726 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. More rural locations tend to have lower incidents of collision claims than larger metro areas.
The price range example below illustrates how location helps determine insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than using 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.
More Rate Information
The chart below details estimated Honda Odyssey insurance rates for other coverage scenarios.
- The lowest rate with discounts is $725
- Raising to $1,000 deductibles will save approximately $144 annually
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,252
- Choosing more expensive low deductibles will cost an additional $284 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,726 or more
- The cost that insures a teenage driver with full coverage can cost as much as $4,868
Car insurance rates for a Honda Odyssey can also vary considerably based on the model year and trim level, your age and driving habits, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you may be forking out $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 133% more than average. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged at least $4,800 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 $900 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,690 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,132 | -$120 | -9.6% |
| Alaska | $960 | -$292 | -23.3% |
| Arizona | $1,038 | -$214 | -17.1% |
| Arkansas | $1,252 | -$0 | 0.0% |
| California | $1,426 | $174 | 13.9% |
| Colorado | $1,196 | -$56 | -4.5% |
| Connecticut | $1,288 | $36 | 2.9% |
| Delaware | $1,416 | $164 | 13.1% |
| Florida | $1,566 | $314 | 25.1% |
| Georgia | $1,154 | -$98 | -7.8% |
| Hawaii | $898 | -$354 | -28.3% |
| Idaho | $848 | -$404 | -32.3% |
| Illinois | $932 | -$320 | -25.6% |
| Indiana | $942 | -$310 | -24.8% |
| Iowa | $842 | -$410 | -32.7% |
| Kansas | $1,190 | -$62 | -5.0% |
| Kentucky | $1,708 | $456 | 36.4% |
| Louisiana | $1,852 | $600 | 47.9% |
| Maine | $772 | -$480 | -38.3% |
| Maryland | $1,032 | -$220 | -17.6% |
| Massachusetts | $1,002 | -$250 | -20.0% |
| Michigan | $2,176 | $924 | 73.8% |
| Minnesota | $1,048 | -$204 | -16.3% |
| Mississippi | $1,498 | $246 | 19.6% |
| Missouri | $1,110 | -$142 | -11.3% |
| Montana | $1,344 | $92 | 7.3% |
| Nebraska | $988 | -$264 | -21.1% |
| Nevada | $1,502 | $250 | 20.0% |
| New Hampshire | $902 | -$350 | -28.0% |
| New Jersey | $1,398 | $146 | 11.7% |
| New Mexico | $1,108 | -$144 | -11.5% |
| New York | $1,316 | $64 | 5.1% |
| North Carolina | $722 | -$530 | -42.3% |
| North Dakota | $1,026 | -$226 | -18.1% |
| Ohio | $864 | -$388 | -31.0% |
| Oklahoma | $1,286 | $34 | 2.7% |
| Oregon | $1,146 | -$106 | -8.5% |
| Pennsylvania | $1,194 | -$58 | -4.6% |
| Rhode Island | $1,670 | $418 | 33.4% |
| South Carolina | $1,132 | -$120 | -9.6% |
| South Dakota | $1,056 | -$196 | -15.7% |
| Tennessee | $1,096 | -$156 | -12.5% |
| Texas | $1,510 | $258 | 20.6% |
| Utah | $926 | -$326 | -26.0% |
| Vermont | $856 | -$396 | -31.6% |
| Virginia | $748 | -$504 | -40.3% |
| Washington | $968 | -$284 | -22.7% |
| West Virginia | $1,148 | -$104 | -8.3% |
| Wisconsin | $866 | -$386 | -30.8% |
| Wyoming | $1,116 | -$136 | -10.9% |
Choosing high deductibles can reduce rates by up to $430 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out which company is cheapest is to compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Odyssey EX | $1,180 | $98 |
| Honda Odyssey LX | $1,156 | $96 |
| Honda Odyssey EX W/Rear Entertainment | $1,216 | $101 |
| Honda Odyssey EX-L | $1,288 | $107 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,288 | $107 |
| Honda Odyssey EX-L W/Navigation | $1,322 | $110 |
| Honda Odyssey Touring | $1,360 | $113 |
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 | $218 | $424 | $452 | $1,252 |
| 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 |
| 2004 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 Cheapest Honda Odyssey Insurance
Saving money on auto insurance consists of avoiding accidents and claims, having a positive credit history, eliminating unnecessary coverage, and not having any coverage lapses. Shop around at least every other year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The points below are a recap of the car insurance concepts covered in the charts and tables above.
- Drivers that have major violations or accidents could be forced to pay on average $1,470 more annually to insure a Honda Odyssey
- You may be able to save approximately $150 per year simply by shopping early and online
- Increasing deductibles can save approximately $425 each year
- Consumers who want increased liability limits will pay about $500 every year to raise from a minimum 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 | $4,868 |
| 20 | $2,912 |
| 30 | $1,292 |
| 40 | $1,252 |
| 50 | $1,146 |
| 60 | $1,124 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,536 |
| $250 | $1,404 |
| $500 | $1,252 |
| $1,000 | $1,108 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,252 |
| 50/100 | $1,450 |
| 100/300 | $1,563 |
| 250/500 | $1,857 |
| 100 CSL | $1,496 |
| 300 CSL | $1,744 |
| 500 CSL | $1,925 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,922 |
| 20 | $4,646 |
| 30 | $2,768 |
| 40 | $2,726 |
| 50 | $2,606 |
| 60 | $2,582 |
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 | $66 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $54 |
| Advance Quote | $61 |
| Online Quote | $88 |
| Total Discounts | $527 |
Discounts are estimated and may not be available from every company or in every state.
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