Honda Odyssey Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 17, 2024
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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 auto insurance rates for a Honda Odyssey are $1,318 annually with full coverage. Comprehensive costs on average $256, collision insurance costs $506, and liability insurance is estimated at $398. Buying just liability costs approximately $460 a year, and insurance for high-risk drivers costs around $2,868. Teen drivers receive the highest rates at up to $5,002 a year.
Average premium for full coverage: $1,318
Rate estimates by individual coverage type:
Price estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and for all Odyssey models.
Price Range by Coverage and Risk
For the normal driver, prices range range from as cheap as $460 for the bare minimum liability coverage to the much higher price of $2,868 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on auto insurance rates. Rural areas tend to have fewer collision claims than larger metro areas. The example below illustrates how geographic area affects car insurance rates.
These examples demonstrate why everyone should get quotes based on a specific location and their own personal driving habits, 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.
Additional Rate Information
The chart below details average Honda Odyssey insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $757
- Choosing higher $1,000 deductibles can save around $170 annually
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,318
- Choosing pricier low deductibles for comp and collision coverage will cost $1,658
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,868
- The cost with full coverage for a teen driver for full coverage may cost $5,002 each year
Auto insurance rates for a Honda Odyssey can also vary considerably based on the trim level of your Odyssey, your driving record, and policy deductibles and limits.
A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay upwards of $5,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,200 in extra premium per year, depending on your age. Honda Odyssey insurance for high-risk drivers ranges anywhere from 44% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $510 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Honda Odyssey insurance rates. A good driver about age 40 could pay as low as $950 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,780 on average in Florida, Michigan, and New York.
| 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% |
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 Buy Cheaper Honda Odyssey Insurance
Saving money on Honda Odyssey insurance takes being a safe and courteous driver, having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates at every other renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
Below is a condensed summary of the concepts that were presented in the illustrations above.
- High-risk drivers with multiple at-fault accidents pay an average of $1,550 more each year for auto insurance
- Teenage drivers are charged the highest rates, with premiums as much as $417 per month if full coverage is included
- You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $500 each year
- You may be able to save as much as $160 per year just 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 | $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.
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