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: Jun 7, 2023

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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.

The average insurance prices for a Honda Odyssey are $1,252 every 12 months for full coverage insurance. Comprehensive costs on average $218, collision costs $424, and liability coverage is estimated at $452. Buying just liability costs approximately $504 a year, with insurance for high-risk drivers costing around $2,726. Teens cost the most to insure at $4,868 a year or more.

Average premium for full coverage: $1,252

Policy rates by type of insurance:

Comprehensive $218
Collision $424
Liability $452

Full coverage includes $500 deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Odyssey trim levels.

Price Range Variability

For a 40-year-old driver, Honda Odyssey insurance rates go from the cheapest price of $504 for minimum levels of liability insurance to a much higher rate of $2,726 for high-risk insurance.

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

Urban vs. Rural Price Range

Living in a larger city has a large influence on insurance rates. Rural areas are shown to have more infrequent physical damage claims than cities with more traffic congestion.

The price range example below illustrates how your location can change car insurance rates.

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

The examples above illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, rather than using averaged prices.

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 illustrates estimated Honda Odyssey insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $725
  • Choosing higher $1,000 deductibles can save around $144 each year
  • The average price for a good driver age 40 with $500 deductibles is $1,252
  • Selecting more expensive low deductibles for comp and collision coverage increases the price to $1,536
  • Drivers with serious driving violations could pay upwards of $2,726 or more
  • Policy cost to insure a teenage driver with full coverage may cost $4,868 each year

View Chart as Image

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

Insurance rates for a Honda Odyssey also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Odyssey.

Choosing higher comprehensive and collision insurance deductibles can save as much as $430 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance ranges around 43% to 133% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Honda Odyssey insurance rates. A good driver about age 40 could pay as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,690 on average in Michigan, New York, and Florida.

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

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates and see how they stack up. Each auto insurer calculates rates differently, so the rates will be varied.

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 Shop for More Affordable Honda Odyssey Insurance

Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having good credit, being claim-free, and bundling your home and auto policies. Invest the time to shop around every couple of years by quoting rates from direct insurance companies, and also from several local insurance agents.

The following is a summary of the material that was illustrated above.

  • Consumers who require higher liability limits will pay approximately $500 annually to raise limits from a 30/60 limit to a 250/500 level
  • Teens pay the highest rates, possibly costing $406 each month if they have full coverage
  • Drivers who have multiple accidents or major violations pay on average $1,470 more each year for Odyssey insurance
  • Increasing comprehensive and collision deductibles could save as much as $425 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.

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.



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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