Honda Odyssey Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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...

Insurance Lawyer

UPDATED: May 17, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

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:

Comprehensive $268
Collision $512
Liability $390

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.

Liability Only $452
Full Coverage $1,328
High Risk $2,876

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.

Rural Areas $996
Small Cities $1,394
Large Cities $1,793

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

View Chart as Image

Honda Odyssey insurance cost comparison chart
Column chart showing full coverage Honda Odyssey insurance rates range from $763 to $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.

Honda Odyssey Insurance Rates by State
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%

View Chart as Image

Honda Odyssey insurance rates by U.S. city

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

Honda Odyssey Insurance Rates by Model and Trim Level
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.

Honda Odyssey Insurance Rates by Model Year
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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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 $4,992
20 $3,076
30 $1,382
40 $1,328
50 $1,214
60 $1,190

Full coverage, $500 deductibles

Rates by Deductible

Honda Odyssey Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,670
$250 $1,510
$500 $1,328
$1,000 $1,150

Full coverage, driver age 40

Rates by Liability Limit

Honda Odyssey Insurance Rates with Different Liability Limits
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

Honda Odyssey Insurance 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.

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 $98
5-yr Claim Free $86
Paid in Full/EFT $61
Advance Quote $66
Online Quote $94
Total Discounts $565
Rate after discounts $763

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles