Honda Odyssey Insurance Rates
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Michelle Robbins
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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...
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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 for full coverage. Comprehensive costs on average $248 a year, collision costs $494, and liability is $416. Liability-only coverage costs around $474 a year, with high-risk coverage costing around $2,866. 16-year-old drivers pay the highest rates at $5,024 a year or more.
Average premium for full coverage: $1,316
Price estimates by individual coverage:
Rates are based on $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and Odyssey trim levels.
Price Range from Low to High
For the average driver, Honda Odyssey insurance prices go from the low end price of $474 for basic liability insurance to a high of $2,866 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have lower incidents of accident claims than congested cities.
The diagram below illustrates how location impacts car insurance rates.
The ranges above show why it is important to compare rates quotes based on a specific location, instead of making a decision based on 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.
Rate Comparisons
The chart below shows estimated Honda Odyssey insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $758
- Raising to $1,000 deductibles will save around $1,148 a year
- The estimated price for the average middle-age driver with $500 deductibles is $1,316
- Buying low $100 deductibles bumps up the cost to $1,646
- Drivers with multiple tickets or accidents could pay upwards of $2,866 or more
- The price that insures a 16-year-old driver may cost $5,024
Auto insurance prices for a Honda Odyssey are also quite variable based on the trim level of your Odyssey, how you drive, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you could be paying at a minimum $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 135% more than the average rate. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay upwards of $5,000 a year. View Rates by Age
The state you live in also has a big influence on Honda Odyssey insurance prices. A middle-age driver might find prices as low as $870 a year in states like Idaho, Maine, and Iowa, or at least $1,880 on average in Michigan, Louisiana, 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% |
Opting for high physical damage deductibles can reduce prices by up to $500 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $375 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know exactly what you will pay is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite different.
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 the Best Cheap Honda Odyssey Insurance
Getting lower rates on insurance for a Honda Odyssey consists of avoiding accidents and claims, maintaining a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Comparison shop once a year by quoting rates from direct carriers, and also from local exclusive and independent agents.
The points below are a quick review of the data that was touched on above.
- Drivers can save as much as $160 per year simply by quoting early and online
- Insureds who require increased liability limits will pay around $460 each year to raise from a low limit to the 250/500 level
- Drivers under the age of 20 are charged the highest prices, with premiums as much as $419 a month if the policy includes full coverage
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,550 more each year to insure a Honda Odyssey
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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