Honda Odyssey Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jun 5, 2023
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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 insurance rates for a Honda Odyssey are $1,318 a year including full coverage. Comprehensive costs approximately $256 a year, collision insurance costs $506, and liability coverage costs around $398. A liability-only policy costs as low as $460 a year, and high-risk insurance costs around $2,868. Teen drivers pay the most at up to $5,002 a year.
Average premium for full coverage: $1,318
Premium estimates by type of coverage:
Rates are based on $500 deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Odyssey trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Honda Odyssey range from as low as $460 for just liability coverage to a high of $2,868 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance prices.
These rate differences highlight why it is important to compare prices using their specific location and risk profile, rather than using price 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.
Detailed Rate Analysis
The chart below breaks down average Honda Odyssey insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $757
- Using higher $1,000 deductibles will save $1,148 every year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,318
- Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,658
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,868
- An auto insurance policy for full coverage for a teenage driver can cost $5,002 or more
Auto insurance prices for a Honda Odyssey also have a wide range based on your driving characteristics, the model of your Odyssey, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay in the ballpark of $5,000 a year. View Rates by Age
Where you choose to live has a huge impact on Honda Odyssey insurance rates. A driver around age 40 might see prices as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,880 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,194 | -$124 | -9.4% |
| Alaska | $1,012 | -$306 | -23.2% |
| Arizona | $1,094 | -$224 | -17.0% |
| Arkansas | $1,318 | -$0 | 0.0% |
| California | $1,504 | $186 | 14.1% |
| Colorado | $1,262 | -$56 | -4.2% |
| Connecticut | $1,358 | $40 | 3.0% |
| Delaware | $1,494 | $176 | 13.4% |
| Florida | $1,652 | $334 | 25.3% |
| Georgia | $1,218 | -$100 | -7.6% |
| Hawaii | $948 | -$370 | -28.1% |
| Idaho | $894 | -$424 | -32.2% |
| Illinois | $986 | -$332 | -25.2% |
| Indiana | $994 | -$324 | -24.6% |
| Iowa | $892 | -$426 | -32.3% |
| Kansas | $1,256 | -$62 | -4.7% |
| Kentucky | $1,802 | $484 | 36.7% |
| Louisiana | $1,954 | $636 | 48.3% |
| Maine | $814 | -$504 | -38.2% |
| Maryland | $1,088 | -$230 | -17.5% |
| Massachusetts | $1,058 | -$260 | -19.7% |
| Michigan | $2,294 | $976 | 74.1% |
| Minnesota | $1,104 | -$214 | -16.2% |
| Mississippi | $1,584 | $266 | 20.2% |
| Missouri | $1,172 | -$146 | -11.1% |
| Montana | $1,418 | $100 | 7.6% |
| Nebraska | $1,042 | -$276 | -20.9% |
| Nevada | $1,584 | $266 | 20.2% |
| New Hampshire | $952 | -$366 | -27.8% |
| New Jersey | $1,476 | $158 | 12.0% |
| New Mexico | $1,172 | -$146 | -11.1% |
| New York | $1,392 | $74 | 5.6% |
| North Carolina | $762 | -$556 | -42.2% |
| North Dakota | $1,080 | -$238 | -18.1% |
| Ohio | $914 | -$404 | -30.7% |
| Oklahoma | $1,358 | $40 | 3.0% |
| Oregon | $1,210 | -$108 | -8.2% |
| Pennsylvania | $1,260 | -$58 | -4.4% |
| Rhode Island | $1,762 | $444 | 33.7% |
| South Carolina | $1,198 | -$120 | -9.1% |
| South Dakota | $1,114 | -$204 | -15.5% |
| Tennessee | $1,156 | -$162 | -12.3% |
| Texas | $1,592 | $274 | 20.8% |
| Utah | $978 | -$340 | -25.8% |
| Vermont | $904 | -$414 | -31.4% |
| Virginia | $790 | -$528 | -40.1% |
| Washington | $1,022 | -$296 | -22.5% |
| West Virginia | $1,210 | -$108 | -8.2% |
| Wisconsin | $914 | -$404 | -30.7% |
| Wyoming | $1,176 | -$142 | -10.8% |
Choosing high deductibles could cut prices by as much as $510 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,600 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy can be around 44% to 135% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Odyssey EX | $1,236 | $103 |
| Honda Odyssey LX | $1,206 | $101 |
| Honda Odyssey EX W/Rear Entertainment | $1,278 | $107 |
| Honda Odyssey EX-L | $1,362 | $114 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,362 | $114 |
| Honda Odyssey EX-L W/Navigation | $1,404 | $117 |
| Honda Odyssey Touring | $1,446 | $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 | $268 | $512 | $390 | $1,328 |
| 2023 Honda Odyssey | $256 | $506 | $398 | $1,318 |
| 2022 Honda Odyssey | $248 | $494 | $416 | $1,316 |
| 2021 Honda Odyssey | $240 | $474 | $430 | $1,302 |
| 2020 Honda Odyssey | $226 | $458 | $442 | $1,284 |
| 2019 Honda Odyssey | $218 | $424 | $452 | $1,252 |
| 2018 Honda Odyssey | $208 | $400 | $456 | $1,222 |
| 2017 Honda Odyssey | $200 | $358 | $460 | $1,176 |
| 2016 Honda Odyssey | $188 | $330 | $460 | $1,136 |
| 2015 Honda Odyssey | $180 | $310 | $464 | $1,112 |
| 2014 Honda Odyssey | $176 | $288 | $474 | $1,096 |
| 2013 Honda Odyssey | $164 | $268 | $474 | $1,064 |
| 2012 Honda Odyssey | $158 | $244 | $478 | $1,038 |
| 2011 Honda Odyssey | $148 | $222 | $474 | $1,002 |
| 2010 Honda Odyssey | $140 | $202 | $474 | $974 |
| 2009 Honda Odyssey | $134 | $182 | $468 | $942 |
| 2008 Honda Odyssey | $132 | $178 | $460 | $928 |
| 2007 Honda Odyssey | $130 | $168 | $452 | $908 |
| 2006 Honda Odyssey | $120 | $160 | $446 | $884 |
| 2005 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 Cheap Honda Odyssey Insurance
Finding better rates on auto insurance requires not taking risks behind the wheel, having good credit, refrain from filing small claims, and possibly higher deductibles. Invest time comparing rates once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a quick review of the data that was covered in the charts and tables above.
- You may be able to save around $160 per year just by quoting early and online
- Consumers who purchase higher liability limits will pay about $440 per year to increase from 30/60 bodily injury limits to 250/500 limits
- Teens have the highest car insurance prices, with the cost nearing $417 per month if they have full coverage
- Drivers with a DUI or reckless driving violation could be forced to pay on average $1,550 more per year for Odyssey insurance
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 | $5,002 |
| 20 | $3,074 |
| 30 | $1,376 |
| 40 | $1,318 |
| 50 | $1,208 |
| 60 | $1,184 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,658 |
| $250 | $1,500 |
| $500 | $1,318 |
| $1,000 | $1,148 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,318 |
| 50/100 | $1,526 |
| 100/300 | $1,625 |
| 250/500 | $1,884 |
| 100 CSL | $1,565 |
| 300 CSL | $1,784 |
| 500 CSL | $1,944 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,128 |
| 20 | $4,888 |
| 30 | $2,928 |
| 40 | $2,868 |
| 50 | $2,740 |
| 60 | $2,716 |
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 | $97 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $60 |
| Advance Quote | $66 |
| Online Quote | $93 |
| Total Discounts | $561 |
Discounts are estimated and may not be available from every company or in every state.
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