Honda Odyssey Insurance Rates

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UPDATED: May 17, 2024

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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.

Average insurance rates for a Honda Odyssey are $1,318 a year including full coverage. Comprehensive insurance costs approximately $256 each year, collision costs $506, and liability is $398. A liability-only policy costs around $460 a year, with high-risk insurance costing $2,868 or more. Teen drivers receive the highest rates at $5,002 a year or more.

Average premium for full coverage: $1,318

Rate estimates by individual coverage type:

Comprehensive $256
Collision $506
Liability $398

Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Odyssey models.

Price Range by Coverage and Risk

For an average driver, prices range go from as low as $460 for just the minimum liability insurance to a high rate of $2,868 for a high-risk driver policy.

Liability Only $460
Full Coverage $1,318
High Risk $2,868

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas.

The graphic below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $989
Small Cities $1,384
Large Cities $1,779

These examples highlight why all drivers should compare rates quotes using their specific location and risk profile, instead of 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 Analysis

The chart below breaks down estimated Honda Odyssey insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $757
  • Raising to $1,000 deductibles will save $170 every year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,318
  • Choosing low deductibles will cost an extra $340 every year
  • At-risk drivers with multiple violations and an at-fault accident could pay around $2,868 or more
  • The cost for full coverage for a teen driver can cost $5,002

View Chart as Image

Honda Odyssey insurance cost comparison chart
Column chart showing full coverage Honda Odyssey insurance prices range from $757 to $5,002

Insurance rates for a Honda Odyssey can also vary considerably based on your driver profile, the model of your Odyssey, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $5,000 a year. View Rates by Age

Where you live also has a big influence on Honda Odyssey insurance prices. A middle-age driver might find rates as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,880 on average in Louisiana, New York, and Michigan.

Honda Odyssey Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,194 -$124 -9.4%
Alaska $1,012 -$306 -23.2%
Arizona $1,094 -$224 -17.0%
Arkansas $1,318 -$0 0.0%
California $1,504 $186 14.1%
Colorado $1,262 -$56 -4.2%
Connecticut $1,358 $40 3.0%
Delaware $1,494 $176 13.4%
Florida $1,652 $334 25.3%
Georgia $1,218 -$100 -7.6%
Hawaii $948 -$370 -28.1%
Idaho $894 -$424 -32.2%
Illinois $986 -$332 -25.2%
Indiana $994 -$324 -24.6%
Iowa $892 -$426 -32.3%
Kansas $1,256 -$62 -4.7%
Kentucky $1,802 $484 36.7%
Louisiana $1,954 $636 48.3%
Maine $814 -$504 -38.2%
Maryland $1,088 -$230 -17.5%
Massachusetts $1,058 -$260 -19.7%
Michigan $2,294 $976 74.1%
Minnesota $1,104 -$214 -16.2%
Mississippi $1,584 $266 20.2%
Missouri $1,172 -$146 -11.1%
Montana $1,418 $100 7.6%
Nebraska $1,042 -$276 -20.9%
Nevada $1,584 $266 20.2%
New Hampshire $952 -$366 -27.8%
New Jersey $1,476 $158 12.0%
New Mexico $1,172 -$146 -11.1%
New York $1,392 $74 5.6%
North Carolina $762 -$556 -42.2%
North Dakota $1,080 -$238 -18.1%
Ohio $914 -$404 -30.7%
Oklahoma $1,358 $40 3.0%
Oregon $1,210 -$108 -8.2%
Pennsylvania $1,260 -$58 -4.4%
Rhode Island $1,762 $444 33.7%
South Carolina $1,198 -$120 -9.1%
South Dakota $1,114 -$204 -15.5%
Tennessee $1,156 -$162 -12.3%
Texas $1,592 $274 20.8%
Utah $978 -$340 -25.8%
Vermont $904 -$414 -31.4%
Virginia $790 -$528 -40.1%
Washington $1,022 -$296 -22.5%
West Virginia $1,210 -$108 -8.2%
Wisconsin $914 -$404 -30.7%
Wyoming $1,176 -$142 -10.8%

View Chart as Image

Honda Odyssey insurance rates by U.S. city

Choosing high deductibles can reduce rates by up to $510 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $358 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 135% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different rate calculation, so the rates can be significantly different from one company to the next.

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 $1,236 $103
Honda Odyssey LX $1,206 $101
Honda Odyssey EX W/Rear Entertainment $1,278 $107
Honda Odyssey EX-L $1,362 $114
Honda Odyssey EX-L W/Rear Entertainment $1,362 $114
Honda Odyssey EX-L W/Navigation $1,404 $117
Honda Odyssey Touring $1,446 $121

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.

Honda Odyssey Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Honda Odyssey $268 $512 $390 $1,328
2023 Honda Odyssey $256 $506 $398 $1,318
2022 Honda Odyssey $248 $494 $416 $1,316
2021 Honda Odyssey $240 $474 $430 $1,302
2020 Honda Odyssey $226 $458 $442 $1,284
2019 Honda Odyssey $218 $424 $452 $1,252
2018 Honda Odyssey $208 $400 $456 $1,222
2017 Honda Odyssey $200 $358 $460 $1,176
2016 Honda Odyssey $188 $330 $460 $1,136
2015 Honda Odyssey $180 $310 $464 $1,112
2014 Honda Odyssey $176 $288 $474 $1,096
2013 Honda Odyssey $164 $268 $474 $1,064
2012 Honda Odyssey $158 $244 $478 $1,038
2011 Honda Odyssey $148 $222 $474 $1,002
2010 Honda Odyssey $140 $202 $474 $974
2009 Honda Odyssey $134 $182 $468 $942
2008 Honda Odyssey $132 $178 $460 $928
2007 Honda Odyssey $130 $168 $452 $908
2006 Honda Odyssey $120 $160 $446 $884
2005 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 Honda Odyssey Insurance

Saving money on car insurance consists of being a low-risk driver, maintaining good credit, not filing small claims, and maximizing policy discounts. Take the time to compare rates every time your policy renews by getting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The items below are a brief recap of the information covered in the above illustrations.

  • You may be able to save around $160 per year simply by quoting online in advance
  • Teen drivers are expensive to insure, as much as $417 per month for full coverage
  • Increasing deductibles can save around $500 each year
  • Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,550 more per year to insure their Odyssey
  • Policyholders who purchase more liability coverage will pay about $440 per year to raise from a minimum limit to 250/500 limits

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 $5,002
20 $3,074
30 $1,376
40 $1,318
50 $1,208
60 $1,184

Full coverage, $500 deductibles

Rates by Deductible

Honda Odyssey Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,658
$250 $1,500
$500 $1,318
$1,000 $1,148

Full coverage, driver age 40

Rates by Liability Limit

Honda Odyssey Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,318
50/100 $1,526
100/300 $1,625
250/500 $1,884
100 CSL $1,565
300 CSL $1,784
500 CSL $1,944

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Odyssey Insurance Rates for High Risk Drivers
Age Premium
16 $7,128
20 $4,888
30 $2,928
40 $2,868
50 $2,740
60 $2,716

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 $97
5-yr Claim Free $85
Paid in Full/EFT $60
Advance Quote $66
Online Quote $93
Total Discounts $561
Rate after discounts $757

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

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