Honda Odyssey Insurance Rates
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UPDATED: Dec 6, 2021
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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 $1,284 a year for full coverage. Comprehensive insurance costs around $226 a year, collision insurance costs $458, and liability is estimated at $442. A policy with just liability insurance costs approximately $496 a year, and coverage for high-risk drivers costs $2,800 or more. Teenage drivers pay the highest rates at up to $4,972 a year.
Average premium for full coverage: $1,284
Price estimates for individual coverage:
Rate estimates include $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Odyssey trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Honda Odyssey insurance prices range from as low as $496 for just the minimum liability insurance to a high of $2,800 for high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance rates.
The ranges above show why it is important to get quotes for a specific zip code and risk profile, instead of making a decision based on average rates.
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 shows average Honda Odyssey insurance rates for additional coverage choices and driver risks.
- The best discount rate is $740
- Choosing higher $1,000 deductibles can save about $1,128 a year
- The average rate for the average middle-age driver using $500 deductibles is $1,284
- Using low $100 deductibles for comp and collision coverage will cost an extra $304 annually
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,800
- The price for full coverage for a 16-year-old driver can be $4,972 each year
Insurance prices for a Honda Odyssey are also quite variable based on your driving record, the trim level of your Odyssey, and deductibles and policy limits.
Older drivers with a clean driving record and high deductibles may pay as low as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $4,900 a year. View Rates by Age
The state you live in plays a big part in determining prices for Honda Odyssey insurance prices. A good driver about age 40 could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,830 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,162 | -$122 | -9.5% |
| Alaska | $986 | -$298 | -23.2% |
| Arizona | $1,068 | -$216 | -16.8% |
| Arkansas | $1,284 | -$0 | 0.0% |
| California | $1,464 | $180 | 14.0% |
| Colorado | $1,226 | -$58 | -4.5% |
| Connecticut | $1,320 | $36 | 2.8% |
| Delaware | $1,454 | $170 | 13.2% |
| Florida | $1,606 | $322 | 25.1% |
| Georgia | $1,184 | -$100 | -7.8% |
| Hawaii | $922 | -$362 | -28.2% |
| Idaho | $870 | -$414 | -32.2% |
| Illinois | $956 | -$328 | -25.5% |
| Indiana | $966 | -$318 | -24.8% |
| Iowa | $864 | -$420 | -32.7% |
| Kansas | $1,220 | -$64 | -5.0% |
| Kentucky | $1,752 | $468 | 36.4% |
| Louisiana | $1,902 | $618 | 48.1% |
| Maine | $792 | -$492 | -38.3% |
| Maryland | $1,060 | -$224 | -17.4% |
| Massachusetts | $1,028 | -$256 | -19.9% |
| Michigan | $2,230 | $946 | 73.7% |
| Minnesota | $1,074 | -$210 | -16.4% |
| Mississippi | $1,538 | $254 | 19.8% |
| Missouri | $1,138 | -$146 | -11.4% |
| Montana | $1,382 | $98 | 7.6% |
| Nebraska | $1,012 | -$272 | -21.2% |
| Nevada | $1,540 | $256 | 19.9% |
| New Hampshire | $924 | -$360 | -28.0% |
| New Jersey | $1,436 | $152 | 11.8% |
| New Mexico | $1,138 | -$146 | -11.4% |
| New York | $1,354 | $70 | 5.5% |
| North Carolina | $740 | -$544 | -42.4% |
| North Dakota | $1,052 | -$232 | -18.1% |
| Ohio | $888 | -$396 | -30.8% |
| Oklahoma | $1,320 | $36 | 2.8% |
| Oregon | $1,178 | -$106 | -8.3% |
| Pennsylvania | $1,226 | -$58 | -4.5% |
| Rhode Island | $1,714 | $430 | 33.5% |
| South Carolina | $1,162 | -$122 | -9.5% |
| South Dakota | $1,084 | -$200 | -15.6% |
| Tennessee | $1,126 | -$158 | -12.3% |
| Texas | $1,548 | $264 | 20.6% |
| Utah | $952 | -$332 | -25.9% |
| Vermont | $878 | -$406 | -31.6% |
| Virginia | $770 | -$514 | -40.0% |
| Washington | $994 | -$290 | -22.6% |
| West Virginia | $1,178 | -$106 | -8.3% |
| Wisconsin | $888 | -$396 | -30.8% |
| Wyoming | $1,146 | -$138 | -10.7% |
Using high physical damage deductibles can save as much as $460 annually, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at least $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy ranges from 42% to 130% more than a normal policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Odyssey EX | $1,208 | $101 |
| Honda Odyssey LX | $1,182 | $99 |
| Honda Odyssey EX W/Rear Entertainment | $1,246 | $104 |
| Honda Odyssey EX-L | $1,322 | $110 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,322 | $110 |
| Honda Odyssey EX-L W/Navigation | $1,360 | $113 |
| Honda Odyssey Touring | $1,398 | $117 |
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 | $226 | $458 | $442 | $1,284 |
| 2013 Honda Odyssey | $180 | $310 | $464 | $1,112 |
| 2012 Honda Odyssey | $176 | $288 | $474 | $1,096 |
| 2011 Honda Odyssey | $164 | $268 | $474 | $1,064 |
| 2010 Honda Odyssey | $158 | $244 | $478 | $1,038 |
| 2009 Honda Odyssey | $148 | $222 | $474 | $1,002 |
| 2008 Honda Odyssey | $140 | $202 | $474 | $974 |
| 2007 Honda Odyssey | $134 | $182 | $468 | $942 |
| 2006 Honda Odyssey | $132 | $178 | $460 | $928 |
| 2005 Honda Odyssey | $130 | $168 | $452 | $908 |
| 2004 Honda Odyssey | $120 | $160 | $446 | $884 |
| 2003 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
Getting lower rates on insurance for a Honda Odyssey takes being a safe and courteous driver, maintaining good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Take the time to comparison shop every couple of years by getting rate quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.
Below is a brief recap of the material that was touched on in the above illustrations.
- Insureds who may need higher levels of liability will pay an extra $490 each year to raise limits from a low limit to 250/500 limits
- Teenage drivers pay higher prices, with premiums as much as $414 a month for full coverage
- Drivers considered higher risk who tend to receive serious violations may be required to pay an average of $1,520 more every year for auto insurance
- Increasing physical damage deductibles can save around $450 each year
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 | $4,972 |
| 20 | $2,994 |
| 30 | $1,330 |
| 40 | $1,284 |
| 50 | $1,176 |
| 60 | $1,154 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,588 |
| $250 | $1,446 |
| $500 | $1,284 |
| $1,000 | $1,128 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,284 |
| 50/100 | $1,486 |
| 100/300 | $1,597 |
| 250/500 | $1,884 |
| 100 CSL | $1,531 |
| 300 CSL | $1,774 |
| 500 CSL | $1,951 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,070 |
| 20 | $4,778 |
| 30 | $2,848 |
| 40 | $2,800 |
| 50 | $2,676 |
| 60 | $2,654 |
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 | $68 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $57 |
| Advance Quote | $63 |
| Online Quote | $90 |
| Total Discounts | $544 |
Discounts are estimated and may not be available from every company or in every state.
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