Honda Odyssey Insurance Rates
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UPDATED: Jun 7, 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 insurance rates for a Honda Odyssey are $1,252 a year including full coverage. Comprehensive costs around $218 a year, collision insurance costs $424, and liability coverage costs around $452. Liability-only coverage costs as low as $504 a year, and high-risk coverage costs around $2,726. Teen drivers cost the most to insure at up to $4,868 a year.
Average premium for full coverage: $1,252
Policy rates for type of insurance:
Prices include $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Odyssey trim levels.
Price Range Variability
For a driver around age 40, Honda Odyssey insurance rates range from the low end price of $504 for the bare minimum liability coverage to a high of $2,726 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live has a large influence on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above highlight why it is important to compare prices for a specific zip code, 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.
Additional Rate Information
The chart below breaks down average Honda Odyssey insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $725
- Using higher $1,000 deductibles will save about $1,108 every year
- The estimated price for a good driver age 40 using $500 deductibles is $1,252
- Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,536
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,726
- Policy cost that insures a teenage driver can be $4,868 or more
Insurance rates for a Honda Odyssey also range considerably based on the trim level of your Odyssey, your driving record and age, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can be around 43% to 133% more than average. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,800 a year. View Rates by Age
Your home state has a huge impact on Honda Odyssey insurance rates. A driver around age 40 might see rates as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,790 on average in Michigan, New York, and Louisiana.
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% |
Choosing high deductibles could cut rates by as much as $430 a year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit
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 Find the Right Honda Odyssey Insurance
Finding cheaper rates on auto insurance requires being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Shop around at least once a year by quoting rates from direct car insurance companies, and also from local insurance agencies.
Below is a quick rundown of the primary concepts that were covered above.
- You may be able to save up to $150 per year just by quoting early and online
- Drivers with reckless driving or DUI convictions may have to pay on average $1,470 more every year for auto insurance
- Increasing comprehensive and collision deductibles can save approximately $425 each year
- Teenage drivers are charged the highest rates, with premiums being up to $406 each month if comprehensive and collision insurance is included
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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