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Honda Odyssey LX Insurance Rates

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Estimated insurance rates for a Honda Odyssey LX are $1,226 a year for full coverage insurance. Comprehensive insurance costs approximately $258 each year, collision costs $446, and liability costs $364. A liability-only policy costs as little as $430 a year, with high-risk insurance costing $2,634 or more. Teenage drivers pay the most at $4,594 a year or more.

Annual premium for full coverage: $1,226

Premium estimates by individual coverage:

Comprehensive $258
Collision $446
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Honda Odyssey Trim Level

For a 40-year-old driver, insurance rates for a Honda Odyssey LX go from the low end price of $430 for liability-only coverage to a high rate of $2,634 for high-risk insurance.

Liability Only $430
Full Coverage $1,226
High Risk $2,634

These rate differences illustrate why all drivers should compare rates using their specific location, instead of using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Auto insurance rates for a Honda Odyssey LX also have a wide range based on the actual cash value of your Odyssey, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,400 to $2,000 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 128% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $4,500 a year. View Rates by Age

Where you choose to live makes a big difference in Honda Odyssey LX insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like , , and North Carolina, or be forced to pay as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $470 every year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $327 extra every year. View Rates by Deductible or Liability Limit

With such a large range of prices, the only way to figure out which insurance company is cheapest is to do a rate comparison and see which company has the best price. Every company uses a different method to calculate prices, and quoted rates will be substantially different.

View Chart as Image

Honda Odyssey LX insurance cost comparison chart
Column chart showing Honda Odyssey LX insurance prices range from $717 to $4,594 for full coverage

The chart estimates Honda Odyssey LX insurance prices for different risks and coverage choices. The best price after discounts is $717. Drivers who use higher $1,000 deductibles will pay $1,066. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,226. Using lower $100 deductibles for physical damage coverage can cost as much as $1,532. Drivers with multiple violations and accidents could be charged up to $2,634. The policy rate for full coverage for a teenager is $4,594.

Honda Odyssey LX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,106 -$120 -9.8%
Alaska $940 -$286 -23.3%
Arizona $1,018 -$208 -17.0%
Arkansas $1,226 -$0 0.0%
California $1,394 $168 13.7%
Colorado $1,170 -$56 -4.6%
Connecticut $1,260 $34 2.8%
Delaware $1,386 $160 13.1%
Florida $1,532 $306 25.0%
Georgia $1,132 -$94 -7.7%
Hawaii $880 -$346 -28.2%
Idaho $828 -$398 -32.5%
Illinois $912 -$314 -25.6%
Indiana $922 -$304 -24.8%
Iowa $826 -$400 -32.6%
Kansas $1,164 -$62 -5.1%
Kentucky $1,670 $444 36.2%
Louisiana $1,810 $584 47.6%
Maine $754 -$472 -38.5%
Maryland $1,010 -$216 -17.6%
Massachusetts $980 -$246 -20.1%
Michigan $2,126 $900 73.4%
Minnesota $1,024 -$202 -16.5%
Mississippi $1,468 $242 19.7%
Missouri $1,086 -$140 -11.4%
Montana $1,314 $88 7.2%
Nebraska $964 -$262 -21.4%
Nevada $1,468 $242 19.7%
New Hampshire $882 -$344 -28.1%
New Jersey $1,370 $144 11.7%
New Mexico $1,084 -$142 -11.6%
New York $1,288 $62 5.1%
North Carolina $706 -$520 -42.4%
North Dakota $1,002 -$224 -18.3%
Ohio $846 -$380 -31.0%
Oklahoma $1,258 $32 2.6%
Oregon $1,122 -$104 -8.5%
Pennsylvania $1,168 -$58 -4.7%
Rhode Island $1,632 $406 33.1%
South Carolina $1,110 -$116 -9.5%
South Dakota $1,032 -$194 -15.8%
Tennessee $1,072 -$154 -12.6%
Texas $1,476 $250 20.4%
Utah $908 -$318 -25.9%
Vermont $838 -$388 -31.6%
Virginia $732 -$494 -40.3%
Washington $946 -$280 -22.8%
West Virginia $1,122 -$104 -8.5%
Wisconsin $848 -$378 -30.8%
Wyoming $1,090 -$136 -11.1%

View Chart as Image

Honda Odyssey LX insurance rates by U.S. city

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Rates by Driver Age

Honda Odyssey LX Insurance Rates by Driver Age
Driver Age Premium
16 $4,594
20 $2,818
30 $1,272
40 $1,226
50 $1,118
60 $1,098

Full coverage, $500 deductibles

Rates by Deductible

Honda Odyssey LX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,532
$250 $1,390
$500 $1,226
$1,000 $1,066

Full coverage, driver age 40

Rates by Liability Limit

Honda Odyssey LX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,226
50/100 $1,299
100/300 $1,390
250/500 $1,626
100 CSL $1,335
300 CSL $1,535
500 CSL $1,681

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Odyssey LX Insurance Rates for High Risk Drivers
Age Premium
16 $6,534
20 $4,472
30 $2,688
40 $2,634
50 $2,516
60 $2,492

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 $167

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $63
Homeowner $18
5-yr Accident Free $88
5-yr Claim Free $78
Paid in Full/EFT $54
Advance Quote $59
Online Quote $85
Total Discounts $509
Rate after discounts $717

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

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