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.
The average auto insurance rates for a Honda Odyssey are $1,252 annually for full coverage. Comprehensive costs an estimated $218, collision costs $424, and liability costs $452. Buying just liability costs as little as $504 a year, with insurance for high-risk drivers costing around $2,726. 16-year-old drivers cost the most to insure at $4,868 a year or more.
Average premium for full coverage: $1,252
Policy rates broken down by type of insurance:
Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and for all Odyssey models.
Price Range Variability
For a driver in their 40's, Honda Odyssey insurance rates go from as cheap as $504 for just liability insurance to the much higher price of $2,726 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on insurance rates. More rural locations are shown to have fewer accident claims than congested cities.
The example below illustrates how location helps determine insurance prices.
The examples above show why everyone should compare rates for a targeted area and their own personal driving habits, instead of making a decision based 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.
More Rate Details
The chart below shows estimated Honda Odyssey insurance rates for other coverage scenarios.
- The best full coverage rate is $725
- Drivers who choose higher $1,000 deductibles will pay approximately $144 a year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,252
- Buying pricier low deductibles for comprehensive and collision insurance will cost $1,536
- Drivers with multiple tickets or accidents could pay up to $2,726 or more
- Policy cost with full coverage for a 16-year-old driver for full coverage can cost as much as $4,868 a year
Insurance rates for a Honda Odyssey also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.
A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $4,800 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying $1,500 to $2,100 extra every year, depending on your age. Honda Odyssey insurance for high-risk drivers can cost from 43% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $430 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Honda Odyssey insurance prices. A 40-year-old driver could pay as low as $830 a year in states like Iowa, Maine, and Idaho, or at least $1,790 on average in New York, Louisiana, and Michigan.
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% |
Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates from multiple companies. Every company utilizes a different rate formula, so the rates will be varied between companies.
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 Buy the Cheapest Honda Odyssey Insurance
Finding cheaper rates on insurance for a Honda Odyssey not only requires being a good driver, but also having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Invest time comparing rates at every other renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following list is a recap of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk that have major violations or accidents may pay on average $1,470 more annually than a safer driver
- Drivers age 16 to 20 are charged the highest rates, costing up to $406 each month including comprehensive and collision insurance
- Drivers can save approximately $150 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $425 each year
- Drivers can save approximately $150 per year simply by quoting online well ahead of the renewal date
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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