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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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UPDATED: Apr 9, 2020

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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.

U.S. average insurance prices for a Honda Odyssey are $1,328 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $268 a year, collision insurance costs $512, and liability costs $390. Liability-only insurance costs as little as $452 a year, and high-risk driver insurance costs $2,876 or more. 16-year-old drivers pay the highest rates at up to $4,992 a year.

Average premium for full coverage: $1,328

Price estimates by individual coverage:

Comprehensive $268
Collision $512
Liability $390

These estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Odyssey trim levels.

Price Range from Low to High

For the normal driver, Honda Odyssey insurance prices range from the cheapest price of $452 for just liability coverage to a high of $2,876 for a driver who requires high-risk insurance.

Liability Only $452
Full Coverage $1,328
High Risk $2,876

Geographic Price Range

Your location can have significant affects on the price of auto insurance. Rural locations have more infrequent physical damage claims than congested cities. The diagram below illustrates how geographic area affects auto insurance prices.

Rural Areas $996
Small Cities $1,394
Large Cities $1,793

The ranges above illustrate why it is important to compare rates using their specific location and their own driving history, instead of 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.

Detailed Rate Analysis

The chart below illustrates average Honda Odyssey insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $763
  • Drivers who choose higher $1,000 deductibles will pay $1,150 each year
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,328
  • Buying low $100 deductibles for comprehensive and collision insurance costs an extra $342 every year
  • Higher-risk drivers with multiple tickets or accidents could pay around $2,876
  • The price to insure a teen driver can cost $4,992 a year

View Chart as Image

Honda Odyssey insurance cost comparison chart
Column chart showing Honda Odyssey insurance prices range from $763 to $4,992 for full coverage

Car insurance prices for a Honda Odyssey are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Odyssey.

Opting for high physical damage deductibles could save up to $520 every year, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 134% more than the average rate. View High Risk Driver Rates

The state you live in makes a big difference in Honda Odyssey insurance prices. A 40-year-old driver could pay as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,790 on average in Florida, New York, and Michigan.

Honda Odyssey Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,200 -$128 -9.6%
Alaska $1,018 -$310 -23.3%
Arizona $1,102 -$226 -17.0%
Arkansas $1,328 -$0 0.0%
California $1,510 $182 13.7%
Colorado $1,268 -$60 -4.5%
Connecticut $1,364 $36 2.7%
Delaware $1,502 $174 13.1%
Florida $1,660 $332 25.0%
Georgia $1,226 -$102 -7.7%
Hawaii $952 -$376 -28.3%
Idaho $898 -$430 -32.4%
Illinois $988 -$340 -25.6%
Indiana $1,000 -$328 -24.7%
Iowa $896 -$432 -32.5%
Kansas $1,262 -$66 -5.0%
Kentucky $1,810 $482 36.3%
Louisiana $1,964 $636 47.9%
Maine $818 -$510 -38.4%
Maryland $1,094 -$234 -17.6%
Massachusetts $1,062 -$266 -20.0%
Michigan $2,306 $978 73.6%
Minnesota $1,110 -$218 -16.4%
Mississippi $1,588 $260 19.6%
Missouri $1,178 -$150 -11.3%
Montana $1,426 $98 7.4%
Nebraska $1,046 -$282 -21.2%
Nevada $1,590 $262 19.7%
New Hampshire $954 -$374 -28.2%
New Jersey $1,484 $156 11.7%
New Mexico $1,174 -$154 -11.6%
New York $1,398 $70 5.3%
North Carolina $764 -$564 -42.5%
North Dakota $1,086 -$242 -18.2%
Ohio $916 -$412 -31.0%
Oklahoma $1,362 $34 2.6%
Oregon $1,216 -$112 -8.4%
Pennsylvania $1,268 -$60 -4.5%
Rhode Island $1,770 $442 33.3%
South Carolina $1,202 -$126 -9.5%
South Dakota $1,120 -$208 -15.7%
Tennessee $1,164 -$164 -12.3%
Texas $1,600 $272 20.5%
Utah $982 -$346 -26.1%
Vermont $908 -$420 -31.6%
Virginia $794 -$534 -40.2%
Washington $1,024 -$304 -22.9%
West Virginia $1,216 -$112 -8.4%
Wisconsin $920 -$408 -30.7%
Wyoming $1,184 -$144 -10.8%

View Chart as Image

Honda Odyssey insurance rates by U.S. city

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 $1,242 $104
Honda Odyssey LX $1,212 $101
Honda Odyssey EX W/Rear Entertainment $1,284 $107
Honda Odyssey EX-L $1,370 $114
Honda Odyssey EX-L W/Rear Entertainment $1,370 $114
Honda Odyssey EX-L W/Navigation $1,412 $118
Honda Odyssey Touring $1,454 $121

Rates assume 2020 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
2020 Honda Odyssey $268 $512 $390 $1,328
2019 Honda Odyssey $256 $506 $398 $1,318
2018 Honda Odyssey $248 $494 $416 $1,316
2017 Honda Odyssey $240 $474 $430 $1,302
2016 Honda Odyssey $226 $458 $442 $1,284
2015 Honda Odyssey $218 $424 $452 $1,252
2014 Honda Odyssey $208 $400 $456 $1,222
2013 Honda Odyssey $200 $358 $460 $1,176
2012 Honda Odyssey $188 $330 $460 $1,136
2011 Honda Odyssey $180 $310 $464 $1,112
2010 Honda Odyssey $176 $288 $474 $1,096
2009 Honda Odyssey $164 $268 $474 $1,064
2008 Honda Odyssey $158 $244 $478 $1,038
2007 Honda Odyssey $148 $222 $474 $1,002
2006 Honda Odyssey $140 $202 $474 $974
2005 Honda Odyssey $134 $182 $468 $942
2004 Honda Odyssey $132 $178 $460 $928
2003 Honda Odyssey $130 $168 $452 $908
2002 Honda Odyssey $120 $160 $446 $884
2001 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 Shop for Cheap Honda Odyssey Insurance

Getting lower rates on car insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, not filing small claims, and attention to physical damage deductibles. Invest the time to compare rates at every other renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a brief summary of the concepts that were presented in the illustrations above.

  • Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,550 more per year for auto insurance
  • Teenage drivers pay the highest auto insurance prices, as much as $416 a month if the policy includes full coverage
  • It is possible to save around $160 per year just by quoting early and online
  • Increasing physical damage deductibles could save as much as $525 each year
  • It is possible to save around $160 per year just by quoting early and online

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 $4,992
20 $3,076
30 $1,382
40 $1,328
50 $1,214
60 $1,190

Full coverage, $500 deductibles

Rates by Deductible

Honda Odyssey Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,670
$250 $1,510
$500 $1,328
$1,000 $1,150

Full coverage, driver age 40

Rates by Liability Limit

Honda Odyssey Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,328
50/100 $1,532
100/300 $1,630
250/500 $1,883
100 CSL $1,571
300 CSL $1,786
500 CSL $1,942

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Odyssey Insurance Rates for High Risk Drivers
Age Premium
16 $7,116
20 $4,896
30 $2,936
40 $2,876
50 $2,746
60 $2,722

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 $186

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 $98
5-yr Claim Free $86
Paid in Full/EFT $61
Advance Quote $66
Online Quote $94
Total Discounts $565
Rate after discounts $763

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

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