Honda Odyssey Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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...
Licensed Insurance Agent
UPDATED: May 17, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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 $1,318 a year for full coverage. Comprehensive insurance costs approximately $256 each year, collision insurance costs $506, and liability coverage is estimated at $398. A policy with just liability insurance costs approximately $460 a year, and coverage for high-risk drivers costs $2,868 or more. 16-year-old drivers pay the highest rates at up to $5,002 a year.
Average premium for full coverage: $1,318
Price estimates by individual coverage:
Rates are based on $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Odyssey models.
Price Range from Low to High
For the average 40-year-old driver, Honda Odyssey insurance prices range from as low as $460 for just the minimum liability insurance to a high rate of $2,868 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on car insurance rates. Rural locations have a lower frequency of accident claims than congested cities. The graphic below illustrates the difference location can make on auto insurance prices.
The ranges above show why all drivers should get quotes using their specific location and risk profile, rather than using 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.
Additional Rate Analysis
The chart below shows average Honda Odyssey insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $757
- Choosing higher $1,000 deductibles can save $170 a year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,318
- Buying low deductibles for comp and collision coverage will cost an extra $340 each year
- Drivers with multiple tickets or accidents could pay around $2,868
- The price for full coverage for a teenage driver can cost $5,002 each year
Insurance prices for a Honda Odyssey are also quite variable based on your driving record, the trim level of your Odyssey, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $5,000 a year. View Rates by Age
The state you live in plays a big part in determining prices for Honda Odyssey insurance rates. A good driver about age 40 could pay as low as $870 a year in states like Iowa, Maine, and Idaho, or at least $1,880 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,194 | -$124 | -9.4% |
| Alaska | $1,012 | -$306 | -23.2% |
| Arizona | $1,094 | -$224 | -17.0% |
| Arkansas | $1,318 | -$0 | 0.0% |
| California | $1,504 | $186 | 14.1% |
| Colorado | $1,262 | -$56 | -4.2% |
| Connecticut | $1,358 | $40 | 3.0% |
| Delaware | $1,494 | $176 | 13.4% |
| Florida | $1,652 | $334 | 25.3% |
| Georgia | $1,218 | -$100 | -7.6% |
| Hawaii | $948 | -$370 | -28.1% |
| Idaho | $894 | -$424 | -32.2% |
| Illinois | $986 | -$332 | -25.2% |
| Indiana | $994 | -$324 | -24.6% |
| Iowa | $892 | -$426 | -32.3% |
| Kansas | $1,256 | -$62 | -4.7% |
| Kentucky | $1,802 | $484 | 36.7% |
| Louisiana | $1,954 | $636 | 48.3% |
| Maine | $814 | -$504 | -38.2% |
| Maryland | $1,088 | -$230 | -17.5% |
| Massachusetts | $1,058 | -$260 | -19.7% |
| Michigan | $2,294 | $976 | 74.1% |
| Minnesota | $1,104 | -$214 | -16.2% |
| Mississippi | $1,584 | $266 | 20.2% |
| Missouri | $1,172 | -$146 | -11.1% |
| Montana | $1,418 | $100 | 7.6% |
| Nebraska | $1,042 | -$276 | -20.9% |
| Nevada | $1,584 | $266 | 20.2% |
| New Hampshire | $952 | -$366 | -27.8% |
| New Jersey | $1,476 | $158 | 12.0% |
| New Mexico | $1,172 | -$146 | -11.1% |
| New York | $1,392 | $74 | 5.6% |
| North Carolina | $762 | -$556 | -42.2% |
| North Dakota | $1,080 | -$238 | -18.1% |
| Ohio | $914 | -$404 | -30.7% |
| Oklahoma | $1,358 | $40 | 3.0% |
| Oregon | $1,210 | -$108 | -8.2% |
| Pennsylvania | $1,260 | -$58 | -4.4% |
| Rhode Island | $1,762 | $444 | 33.7% |
| South Carolina | $1,198 | -$120 | -9.1% |
| South Dakota | $1,114 | -$204 | -15.5% |
| Tennessee | $1,156 | -$162 | -12.3% |
| Texas | $1,592 | $274 | 20.8% |
| Utah | $978 | -$340 | -25.8% |
| Vermont | $904 | -$414 | -31.4% |
| Virginia | $790 | -$528 | -40.1% |
| Washington | $1,022 | -$296 | -22.5% |
| West Virginia | $1,210 | -$108 | -8.2% |
| Wisconsin | $914 | -$404 | -30.7% |
| Wyoming | $1,176 | -$142 | -10.8% |
Opting for high physical damage deductibles can save as much as $510 a year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers ranges around 44% to 135% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Odyssey EX | $1,236 | $103 |
| Honda Odyssey LX | $1,206 | $101 |
| Honda Odyssey EX W/Rear Entertainment | $1,278 | $107 |
| Honda Odyssey EX-L | $1,362 | $114 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,362 | $114 |
| Honda Odyssey EX-L W/Navigation | $1,404 | $117 |
| Honda Odyssey Touring | $1,446 | $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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Honda Odyssey | $268 | $512 | $390 | $1,328 |
| 2023 Honda Odyssey | $256 | $506 | $398 | $1,318 |
| 2022 Honda Odyssey | $248 | $494 | $416 | $1,316 |
| 2021 Honda Odyssey | $240 | $474 | $430 | $1,302 |
| 2020 Honda Odyssey | $226 | $458 | $442 | $1,284 |
| 2019 Honda Odyssey | $218 | $424 | $452 | $1,252 |
| 2018 Honda Odyssey | $208 | $400 | $456 | $1,222 |
| 2017 Honda Odyssey | $200 | $358 | $460 | $1,176 |
| 2016 Honda Odyssey | $188 | $330 | $460 | $1,136 |
| 2015 Honda Odyssey | $180 | $310 | $464 | $1,112 |
| 2014 Honda Odyssey | $176 | $288 | $474 | $1,096 |
| 2013 Honda Odyssey | $164 | $268 | $474 | $1,064 |
| 2012 Honda Odyssey | $158 | $244 | $478 | $1,038 |
| 2011 Honda Odyssey | $148 | $222 | $474 | $1,002 |
| 2010 Honda Odyssey | $140 | $202 | $474 | $974 |
| 2009 Honda Odyssey | $134 | $182 | $468 | $942 |
| 2008 Honda Odyssey | $132 | $178 | $460 | $928 |
| 2007 Honda Odyssey | $130 | $168 | $452 | $908 |
| 2006 Honda Odyssey | $120 | $160 | $446 | $884 |
| 2005 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
Getting lower rates on auto insurance takes avoiding accidents and claims, maintaining good credit, eliminating unnecessary coverage, and possibly raising deductibles. Make time to compare rates once a year by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
The points below are a quick review of the data that was touched on in this article.
- Drivers can save around $160 per year just by quoting online in advance
- Consumers who purchase increased liability limits will pay around $440 each year to raise limits from a low limit to 250/500 limits
- Drivers under the age of 20 are expensive to insure, with premiums as much as $417 a month for full coverage
- Drivers with a DUI or reckless driving violation may pay on average $1,550 more per year to insure a Honda Odyssey
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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 | $5,002 |
| 20 | $3,074 |
| 30 | $1,376 |
| 40 | $1,318 |
| 50 | $1,208 |
| 60 | $1,184 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,658 |
| $250 | $1,500 |
| $500 | $1,318 |
| $1,000 | $1,148 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,318 |
| 50/100 | $1,526 |
| 100/300 | $1,625 |
| 250/500 | $1,884 |
| 100 CSL | $1,565 |
| 300 CSL | $1,784 |
| 500 CSL | $1,944 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,128 |
| 20 | $4,888 |
| 30 | $2,928 |
| 40 | $2,868 |
| 50 | $2,740 |
| 60 | $2,716 |
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 | $70 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $60 |
| Advance Quote | $66 |
| Online Quote | $93 |
| Total Discounts | $561 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
