Honda Odyssey Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Dec 6, 2021

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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.

U.S. average insurance rates for a Honda Odyssey are $1,252 a year with full coverage. Comprehensive insurance costs on average $218 a year, collision insurance costs $424, and liability insurance is $452. A policy with just liability insurance costs around $504 a year, and coverage for high-risk drivers costs $2,726 or more. 16-year-old drivers pay the highest rates at up to $4,868 a year.

Average premium for full coverage: $1,252

Price estimates by individual coverage:

Comprehensive $218
Collision $424
Liability $452

Includes $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and Odyssey trim levels.

Price Range from Low to High

For a 40-year-old driver, Honda Odyssey insurance prices range from the low end price of $504 for minimum levels of liability insurance to a high of $2,726 for a driver required to buy high-risk insurance.

Liability Only $504
Full Coverage $1,252
High Risk $2,726

Geographic Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas have lower incidents of collision claims than congested cities. The diagram below illustrates how your location can change car insurance rates.

Rural Areas $939
Small Cities $1,315
Large Cities $1,690

The ranges above demonstrate why it is important to compare rates quotes based on a specific location, rather than relying 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.

Additional Rate Details

The chart below details average Honda Odyssey insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $725
  • Raising to $1,000 deductibles will save around $1,108 annually
  • The estimated price for the average middle-age driver with $500 deductibles is $1,252
  • Buying low $100 deductibles will cost an additional $284 a year
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,726
  • The price that insures a teen driver may cost $4,868

View Chart as Image

Honda Odyssey insurance cost comparison chart
Column chart showing Honda Odyssey insurance prices range from $725 to $4,868 for full coverage

Insurance prices for a Honda Odyssey are also quite variable based on the trim level of your Odyssey, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $4,800 a year. View Rates by Age

The state you live in also has a big influence on Honda Odyssey insurance rates. A middle-age driver might find prices as low as $900 a year in states like New Hampshire, Ohio, and Utah, or at least $1,690 on average in Florida, Michigan, and New York.

Honda Odyssey Insurance Rates by State
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%

View Chart as Image

Honda Odyssey insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $430 each year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

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 $1,180 $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.

Honda Odyssey Insurance Rates by Model Year
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 Cheapest Honda Odyssey Insurance

Getting lower rates on Honda Odyssey insurance consists of not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Comparison shop at every policy renewal by getting price quotes from direct companies, and also from several local insurance agents.

The following is a recap of the data illustrated above.

  • Drivers who require higher liability limits will pay around $500 every year to raise from a low limit to the 250/500 level
  • You may be able to save as much as $150 per year just by quoting early and online
  • Increasing physical damage deductibles can save approximately $425 each year
  • Teens pay the highest prices, costing up to $406 a month if full coverage 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.

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 $4,868
20 $2,912
30 $1,292
40 $1,252
50 $1,146
60 $1,124

Full coverage, $500 deductibles

Rates by Deductible

Honda Odyssey Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,536
$250 $1,404
$500 $1,252
$1,000 $1,108

Full coverage, driver age 40

Rates by Liability Limit

Honda Odyssey Insurance Rates with Different Liability Limits
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

Honda Odyssey Insurance 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.

SR-22 Surcharge $177

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
Rate after discounts $725

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

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