Honda Odyssey Insurance Rates
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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
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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.
U.S. average insurance rates for a Honda Odyssey are $1,316 a year with full coverage. Comprehensive insurance costs on average $248, collision insurance costs $494, and liability coverage is estimated at $416. A policy with just liability insurance costs approximately $474 a year, and coverage for high-risk drivers costs $2,866 or more. Teen drivers pay the highest rates at up to $5,024 a year.
Average premium for full coverage: $1,316
Price estimates by individual coverage:
Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different Odyssey trim levels.
Price Range from Low to High
For the normal driver, Honda Odyssey insurance prices range from as low as $474 for just liability insurance to a much higher rate of $2,866 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city has a large influence on auto insurance rates. Rural areas have a lower frequency of collision claims than larger metro areas. The price range example below illustrates how geographic area affects car insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should get quotes based on a specific location and risk profile, 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 Details
The chart below details average Honda Odyssey insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $758
- Choosing higher $1,000 deductibles can save around $168 annually
- The average rate for the average middle-age driver with $500 deductibles is $1,316
- Choosing more expensive low deductibles for comp and collision coverage will cost an extra $330 each year
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,866
- The price for full coverage for a teenage driver with full coverage may cost $5,024 each year
Insurance prices for a Honda Odyssey are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.
An older driver 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 upwards 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 $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 | $1,190 | -$126 | -9.6% |
| Alaska | $1,012 | -$304 | -23.1% |
| Arizona | $1,094 | -$222 | -16.9% |
| Arkansas | $1,316 | -$0 | 0.0% |
| California | $1,500 | $184 | 14.0% |
| Colorado | $1,258 | -$58 | -4.4% |
| Connecticut | $1,354 | $38 | 2.9% |
| Delaware | $1,490 | $174 | 13.2% |
| Florida | $1,648 | $332 | 25.2% |
| Georgia | $1,214 | -$102 | -7.8% |
| Hawaii | $946 | -$370 | -28.1% |
| Idaho | $892 | -$424 | -32.2% |
| Illinois | $980 | -$336 | -25.5% |
| Indiana | $990 | -$326 | -24.8% |
| Iowa | $890 | -$426 | -32.4% |
| Kansas | $1,254 | -$62 | -4.7% |
| Kentucky | $1,796 | $480 | 36.5% |
| Louisiana | $1,950 | $634 | 48.2% |
| Maine | $812 | -$504 | -38.3% |
| Maryland | $1,086 | -$230 | -17.5% |
| Massachusetts | $1,054 | -$262 | -19.9% |
| Michigan | $2,286 | $970 | 73.7% |
| Minnesota | $1,102 | -$214 | -16.3% |
| Mississippi | $1,576 | $260 | 19.8% |
| Missouri | $1,170 | -$146 | -11.1% |
| Montana | $1,416 | $100 | 7.6% |
| Nebraska | $1,040 | -$276 | -21.0% |
| Nevada | $1,580 | $264 | 20.1% |
| New Hampshire | $948 | -$368 | -28.0% |
| New Jersey | $1,470 | $154 | 11.7% |
| New Mexico | $1,166 | -$150 | -11.4% |
| New York | $1,386 | $70 | 5.3% |
| North Carolina | $758 | -$558 | -42.4% |
| North Dakota | $1,076 | -$240 | -18.2% |
| Ohio | $912 | -$404 | -30.7% |
| Oklahoma | $1,352 | $36 | 2.7% |
| Oregon | $1,208 | -$108 | -8.2% |
| Pennsylvania | $1,256 | -$60 | -4.6% |
| Rhode Island | $1,756 | $440 | 33.4% |
| South Carolina | $1,192 | -$124 | -9.4% |
| South Dakota | $1,114 | -$202 | -15.3% |
| Tennessee | $1,152 | -$164 | -12.5% |
| Texas | $1,588 | $272 | 20.7% |
| Utah | $976 | -$340 | -25.8% |
| Vermont | $902 | -$414 | -31.5% |
| Virginia | $788 | -$528 | -40.1% |
| Washington | $1,020 | -$296 | -22.5% |
| West Virginia | $1,208 | -$108 | -8.2% |
| Wisconsin | $912 | -$404 | -30.7% |
| Wyoming | $1,172 | -$144 | -10.9% |
Choosing high deductibles can save as much as $500 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $375 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance ranges around 44% to 135% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Odyssey EX | $1,234 | $103 |
| Honda Odyssey LX | $1,206 | $101 |
| Honda Odyssey EX W/Rear Entertainment | $1,276 | $106 |
| Honda Odyssey EX-L | $1,358 | $113 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,358 | $113 |
| Honda Odyssey EX-L W/Navigation | $1,398 | $117 |
| Honda Odyssey Touring | $1,440 | $120 |
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 | $256 | $506 | $398 | $1,318 |
| 2023 Honda Odyssey | $248 | $494 | $416 | $1,316 |
| 2022 Honda Odyssey | $240 | $474 | $430 | $1,302 |
| 2021 Honda Odyssey | $226 | $458 | $442 | $1,284 |
| 2020 Honda Odyssey | $218 | $424 | $452 | $1,252 |
| 2019 Honda Odyssey | $208 | $400 | $456 | $1,222 |
| 2018 Honda Odyssey | $200 | $358 | $460 | $1,176 |
| 2017 Honda Odyssey | $188 | $330 | $460 | $1,136 |
| 2016 Honda Odyssey | $180 | $310 | $464 | $1,112 |
| 2015 Honda Odyssey | $176 | $288 | $474 | $1,096 |
| 2014 Honda Odyssey | $164 | $268 | $474 | $1,064 |
| 2013 Honda Odyssey | $158 | $244 | $478 | $1,038 |
| 2012 Honda Odyssey | $148 | $222 | $474 | $1,002 |
| 2011 Honda Odyssey | $140 | $202 | $474 | $974 |
| 2010 Honda Odyssey | $134 | $182 | $468 | $942 |
| 2009 Honda Odyssey | $132 | $178 | $460 | $928 |
| 2008 Honda Odyssey | $130 | $168 | $452 | $908 |
| 2007 Honda Odyssey | $120 | $160 | $446 | $884 |
| 2006 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 Affordable Honda Odyssey Insurance
Getting lower rates on auto insurance takes being a good driver, maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Invest the time to compare rates at least once a year by quoting rates from direct companies like Progressive and GEICO, and also from local insurance agents.
The following list is a brief review of the primary concepts that were presented in the illustrations above.
- You may be able to save as much as $160 per year just by shopping early and online
- Drivers with DUI or reckless driving convictions may be required to pay an average of $1,550 more each year than a safer driver
- Increasing physical damage deductibles can save around $500 each year
- Drivers age 16 to 20 pay the highest prices, costing up to $419 a month for full coverage
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 | $5,024 |
| 20 | $3,066 |
| 30 | $1,368 |
| 40 | $1,316 |
| 50 | $1,204 |
| 60 | $1,182 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,646 |
| $250 | $1,492 |
| $500 | $1,316 |
| $1,000 | $1,148 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,316 |
| 50/100 | $1,523 |
| 100/300 | $1,627 |
| 250/500 | $1,898 |
| 100 CSL | $1,565 |
| 300 CSL | $1,794 |
| 500 CSL | $1,960 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,156 |
| 20 | $4,886 |
| 30 | $2,922 |
| 40 | $2,866 |
| 50 | $2,736 |
| 60 | $2,712 |
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 | $69 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $59 |
| Advance Quote | $65 |
| Online Quote | $93 |
| Total Discounts | $558 |
Discounts are estimated and may not be available from every company or in every state.
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