Honda Odyssey Insurance Rates
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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.
Estimated auto insurance rates for a Honda Odyssey are $1,328 annually for full coverage. Comprehensive costs an estimated $268 a year, collision costs $512, and liability insurance is $390. A policy with only liability insurance costs around $452 a year, with a high-risk policy costing around $2,876. 16-year-old drivers pay the most at $4,992 a year or more.
Average premium for full coverage: $1,328
Premium estimates broken down by type of coverage:
Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and Odyssey trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Honda Odyssey go from as cheap as $452 for minimum levels of liability insurance to a high of $2,876 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. More rural locations are statistically proven to have fewer accident claims than congested cities.
The diagram below illustrates how geographic area affects insurance prices.
These rate differences show why it is important to compare rates quotes for a targeted area and their own personal driving habits, 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 shows estimated Honda Odyssey insurance rates for other coverage scenarios.
- The best full coverage rate is $763
- Raising to $1,000 deductibles will save approximately $1,150 a year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,328
- Buying low $100 deductibles will cost $1,670
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,876 or more
- An auto insurance policy with full coverage for a teen driver can cost as much as $4,992
Car insurance prices for a Honda Odyssey also have a wide range based on the model of your Odyssey, your driver profile, and liability limits and deductibles.
Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged at least $4,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $520 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Honda Odyssey insurance rates. A middle-age driver might find prices as low as $880 a year in states like Iowa, Maine, and Idaho, or at least $1,890 on average in New York, Louisiana, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,200 | -$128 | -9.6% |
Alaska | $1,018 | -$310 | -23.3% |
Arizona | $1,102 | -$226 | -17.0% |
Arkansas | $1,328 | -$0 | 0.0% |
California | $1,510 | $182 | 13.7% |
Colorado | $1,268 | -$60 | -4.5% |
Connecticut | $1,364 | $36 | 2.7% |
Delaware | $1,502 | $174 | 13.1% |
Florida | $1,660 | $332 | 25.0% |
Georgia | $1,226 | -$102 | -7.7% |
Hawaii | $952 | -$376 | -28.3% |
Idaho | $898 | -$430 | -32.4% |
Illinois | $988 | -$340 | -25.6% |
Indiana | $1,000 | -$328 | -24.7% |
Iowa | $896 | -$432 | -32.5% |
Kansas | $1,262 | -$66 | -5.0% |
Kentucky | $1,810 | $482 | 36.3% |
Louisiana | $1,964 | $636 | 47.9% |
Maine | $818 | -$510 | -38.4% |
Maryland | $1,094 | -$234 | -17.6% |
Massachusetts | $1,062 | -$266 | -20.0% |
Michigan | $2,306 | $978 | 73.6% |
Minnesota | $1,110 | -$218 | -16.4% |
Mississippi | $1,588 | $260 | 19.6% |
Missouri | $1,178 | -$150 | -11.3% |
Montana | $1,426 | $98 | 7.4% |
Nebraska | $1,046 | -$282 | -21.2% |
Nevada | $1,590 | $262 | 19.7% |
New Hampshire | $954 | -$374 | -28.2% |
New Jersey | $1,484 | $156 | 11.7% |
New Mexico | $1,174 | -$154 | -11.6% |
New York | $1,398 | $70 | 5.3% |
North Carolina | $764 | -$564 | -42.5% |
North Dakota | $1,086 | -$242 | -18.2% |
Ohio | $916 | -$412 | -31.0% |
Oklahoma | $1,362 | $34 | 2.6% |
Oregon | $1,216 | -$112 | -8.4% |
Pennsylvania | $1,268 | -$60 | -4.5% |
Rhode Island | $1,770 | $442 | 33.3% |
South Carolina | $1,202 | -$126 | -9.5% |
South Dakota | $1,120 | -$208 | -15.7% |
Tennessee | $1,164 | -$164 | -12.3% |
Texas | $1,600 | $272 | 20.5% |
Utah | $982 | -$346 | -26.1% |
Vermont | $908 | -$420 | -31.6% |
Virginia | $794 | -$534 | -40.2% |
Washington | $1,024 | -$304 | -22.9% |
West Virginia | $1,216 | -$112 | -8.4% |
Wisconsin | $920 | -$408 | -30.7% |
Wyoming | $1,184 | -$144 | -10.8% |
With such a large range in prices, the only way to know which insurance company is cheapest is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, so rate quotes will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Honda Odyssey EX | $1,242 | $104 |
Honda Odyssey LX | $1,212 | $101 |
Honda Odyssey EX W/Rear Entertainment | $1,284 | $107 |
Honda Odyssey EX-L | $1,370 | $114 |
Honda Odyssey EX-L W/Rear Entertainment | $1,370 | $114 |
Honda Odyssey EX-L W/Navigation | $1,412 | $118 |
Honda Odyssey Touring | $1,454 | $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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Honda Odyssey | $280 | $532 | $372 | $1,342 |
2023 Honda Odyssey | $268 | $512 | $390 | $1,328 |
2022 Honda Odyssey | $256 | $506 | $398 | $1,318 |
2021 Honda Odyssey | $248 | $494 | $416 | $1,316 |
2020 Honda Odyssey | $240 | $474 | $430 | $1,302 |
2019 Honda Odyssey | $226 | $458 | $442 | $1,284 |
2018 Honda Odyssey | $218 | $424 | $452 | $1,252 |
2017 Honda Odyssey | $208 | $400 | $456 | $1,222 |
2016 Honda Odyssey | $200 | $358 | $460 | $1,176 |
2015 Honda Odyssey | $188 | $330 | $460 | $1,136 |
2014 Honda Odyssey | $180 | $310 | $464 | $1,112 |
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 |
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 Buy Affordable Honda Odyssey Insurance
Finding better rates on Honda Odyssey insurance consists of being a good driver, having a good credit score, not filing small claims, and not having any coverage lapses. Invest the time to compare rates at every other renewal by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
The following list is a brief review of the concepts that were presented in the illustrations above.
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,550 more annually than a safer driver
- Drivers age 16 to 20 have the highest car insurance prices, as much as $416 per month if comprehensive and collision insurance is included
- Drivers can save approximately $160 per year simply by quoting early and online
- Increasing policy deductibles could save up to $525 each year
- Drivers can save approximately $160 per year simply by quoting early and online
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 | $4,992 |
20 | $3,076 |
30 | $1,382 |
40 | $1,328 |
50 | $1,214 |
60 | $1,190 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,670 |
$250 | $1,510 |
$500 | $1,328 |
$1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,328 |
50/100 | $1,532 |
100/300 | $1,630 |
250/500 | $1,883 |
100 CSL | $1,571 |
300 CSL | $1,786 |
500 CSL | $1,942 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,116 |
20 | $4,896 |
30 | $2,936 |
40 | $2,876 |
50 | $2,746 |
60 | $2,722 |
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 | $70 |
Multi-vehicle | $70 |
Homeowner | $20 |
5-yr Accident Free | $98 |
5-yr Claim Free | $86 |
Paid in Full/EFT | $61 |
Advance Quote | $66 |
Online Quote | $94 |
Total Discounts | $565 |
Discounts are estimated and may not be available from every company or in every state.
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