Honda Odyssey Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs less to insure a Honda Odyssey than the average van.

• Full coverage car insurance for an Odyssey runs about $129 per month, on average, while liability only insurance usually tends to be around $77 monthly.

• The lowest insurance company for an Odyssey is Commonwealth Casualty.

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Odyssey Overview

With a base price of just $32,090 for 2022 models, the Honda Odyssey is a great budget-friendly van for drivers of all types. The Odyssey is not just on the affordable end of the spectrum when it comes to overall price point, it's also a wise choice for your budget when thinking about your auto insurance prices.

Based on looking at thousands of car insurance quotes from Compare.com, we've determined that, on average, Honda Odyssey auto insurance rates run about $143 a month. But how does that fare against its competitors?

How Much is Car Insurance for a Honda Odyssey?

If you look at the table above, you'll see that Honda Odyssey insurance premiums are less expensive than average compared to other vehicles. Odyssey drivers can expect to pay around $77 per month for liability insurance, and about $129 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

When you compare it to other Honda models, the Odyssey is less expensive, with prices more than 10% lower than the rest of the company's vehicle offerings. However, Odyssey coverage runs close to average when compared to other vehicles of a similar body style, with full coverage insurance rates $14 cheaper than other vans and liability insurance premiums coming in at $7 higher.

Compared to all vehicles, regardless of make, model, or body style, the Odyssey is slightly more expensive for liability only insurance, but full coverage prices are less expensive.

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Who has the Cheapest Car Insurance for a Honda Odyssey?

If you're browsing for a car insurance policy for a Honda Odyssey, you're probably most interested in which carrier offers the most affordable rates. Even though rates can change pretty significantly from person to person, MetroMile offers the cheapest average rates for liability only coverage, with rates as little as $23 a month. The runner up for most affordable rates is Clearcover, with insurance policies starting sometimes as little as $32 monthly.

Finishing off the rest of the top 5 are Aspire, Shelter Mutual, and Hugo. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Auto insurance carriers use many different things and complex formulas to calculate premiums. By getting quotes from a variety of car insurance companies at once, you can rest easy knowing that you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Honda Odyssey?

As we mentioned above, there are an array of variables that auto insurance carriers use to choose how much they charge -- and each company weighs certain variables more than others, so there's not a single carrier that's the cheapest for every Odyssey driver.

Here are just a few of the factors car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

The Honda Odyssey has been around for a while -- that means vehicle age can play a big role in what you end up paying for insurance. Usually, newer cars are going to cost more to insure because they're worth more, but as they get older, insurance costs will gradually go down.

As you can see in the information above, the Honda Odyssey follows this trend, as the most expensive models to insure are those that are 1 year old or less, while the cheapest models are Odysseys that are 2 to 3 years old, on average.

Your Age

How old you are makes a difference in how much car insurance companies will charge for a policy. Based on the information in the table above, teenage drivers pay more expensive premiums compared to older Odyssey drivers. In this case, drivers aged 18 to 24 pay $52 more than those 25 or older.

Insurance prices continue to go lower as you get older, with the cheapest age group being 55-64 for Odyssey drivers.

Your Gender

Did you know men tend to pay more for insurance than women? This is because women are less likely to get tickets and get into accidents, which lowers the chances of an insurance claim. The Honda Odyssey follows this convention, and men pay around $79 per month for auto insurance, while women pay about $74.

Where You Live

You're probably already aware that variables like what vehicle you drive and how old you are play a role in your car insurance rates, but you may not realize that where you live can be equally important. Car insurance is regulated on the state level rather than nationally, so premiums can differ quite a bit depending on which state you call home.

For example, the average Honda Odyssey owner in New York pays around $179 monthly for liability coverage. Meanwhile, on average, the same driver from California will pay less than a third of that price. The table above shows average prices for the top 10 most populous states, just to give you a good idea of how much rates can change across states.

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Honda Odyssey Car Insurance Discounts

No matter your home state, your car, or your age, using as many discounts as possible when it comes to your insurance is always in your best interest when shopping around for a new policy.

While no two auto insurance carriers offer the same exact discounts, there are a few that you'll find with most insurers. These include things like:

• Multi-vehicle discounts for having more than one car on your auto policy
• Pay-in-full discounts for choosing to pay your entire policy rate up front, rather than in monthly installments
• Defensive driving discounts for taking a defensive driving class from a certified school or institution
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)

While these are just a few of the discounts car insurance companies offer, there are countless other ways to save money on you monthly insurance bill. Often, the best way to get great rates is to work on your overall insurance profile.

Although you can't control every factor insurance carriers take into account to calculate premiums (like some of the ones mentioned above), you can control some of them. Below are just a few of the ones you can use to your advantage when it comes to cost savings:

Your Driving Record

You've probably observed ads from auto insurance companies posting large savings for responsible drivers. And you probably wouldn't be surprised that if you get into a collision or get tickets, car insurance prices will go up. But you're probably wondering exactly how much these infractions will cost you.

Looking at the table above, you'll notice that accidents will usually cost Odyssey drivers more than tickets, but both will cause a significant increase in rates. Honda Odyssey drivers with a single ticket will pay an average of $85 per month, while drivers with one accident on their record pay about $92 every month (up $15 from the $77/mo. overall average). Drivers who have more than one of either violation will end up paying even more.

How Much You Drive

The total distance you drive annually impacts your auto insurance rates. Those who are on the roads less have fewer opportunities to get into an accident, so they'll normally end up spending less on car insurance. In the table above, you can see that Honda Odyssey owners who drive 10,000 miles or more pay $75 for insurance, while those who drive fewer than 2,500 miles a year pay an average of $67 a month.

But if you don't drive much because have a second vehicle or you work from home, it may be worth learning about pay-per-mile or usage-based auto insurance. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Honda Odysseys Compare to Other Vehicles?

If you're thinking about making a Honda Odyssey your next vehicle, you might want to know how it compares to other vehicles. Insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth considering.

Check out the table below to see how the Honda Odyssey compares:

Overall, the Honda Odyssey has an MSRP that's on par with the going rate for a new vehicle. The national average vehicle MSRP is $41,045, and the Odyssey comes in close to that at $32,090.

But while the purchase price runs about average, car insurance prices are higher when compared to other vehicles on the market. Liability insurance for a Honda Odyssey is about $28 per month more than average, while full coverage is $5 more per month.

When it comes to usage, Honda Odyssey drivers are pretty close to the national average in annual miles driven, with 11,673 miles each year for all vehicles compared to the Odyssey's 11,569 per year.

Honda Odyssey Car Insurance Costs by Model Year

So far, you've seen how different things affect a driver's insurance premiums. But if you're in the market for a new car, truck, or SUV and the Odyssey is on your wishlist, knowing how much your vehicle will likely cost can be helpful as you consider your choices.

So we've broken down Honda Odyssey auto insurance prices by model year. Simply choose a specific Odyssey model year in the dropdown below and see average rates for both liability only and full coverage, as well as some other helpful info, such as the base MSRP, which trim levels are offered, and who offers the most affordable policies for each year the Odyssey has been around.

Choose Your Model

2022 Honda Odyssey Car Insurance 2021 Honda Odyssey Car Insurance 2020 Honda Odyssey Car Insurance 2019 Honda Odyssey Car Insurance 2018 Honda Odyssey Car Insurance 2017 Honda Odyssey Car Insurance 2016 Honda Odyssey Car Insurance 2015 Honda Odyssey Car Insurance 2014 Honda Odyssey Car Insurance 2013 Honda Odyssey Car Insurance 2012 Honda Odyssey Car Insurance 2011 Honda Odyssey Car Insurance 2010 Honda Odyssey Car Insurance

2022 Honda Odyssey Car Insurance

2022 Honda Odyssey drivers can expect to pay an average of $109 a month for liability or $174 for full coverage.

With premiums sometimes as cheap as $23 monthly, MetroMile offered the lowest policy we found.

If you're looking for a more exact figure on what you should pay for insurance for a 2022 Honda Odyssey, you can get free quotes in minutes by just entering your ZIP code below.

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2021 Honda Odyssey Car Insurance

On average, drivers who own a 2021 Odyssey can expect to pay $36 to $91 a month for liability only and full coverage car insurance, respectively.

Shelter Mutual has rates as low as $22 monthly for the 2021 Honda Odyssey.

If you want to know exactly how much you can expect to pay for your Odyssey, just enter your ZIP code below and get several free quotes in minutes.

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2020 Honda Odyssey Car Insurance

It costs around $100 per month for liability or $162 for a full coverage policy for the 2020 Honda Odyssey.

Fiesta offered the most affordable policy we found, with rates as cheap as $40 monthly.

Want to know just how much you'll pay? Get a variety of free personalized quotes by just entering your ZIP code below.

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2019 Honda Odyssey Car Insurance

You can expect full coverage for a 2019 Odyssey to run about $167 a month, while liability only coverage will average around $86 per month.

With premiums as low as just $20 monthly, Mercury offered the cheapest policy we found for the 2019 Honda Odyssey.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

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2018 Honda Odyssey Car Insurance

The average cost to insure a 2018 Honda Odyssey with liability only coverage is $97 a month, while full coverage runs about $144 per month.

If you're looking for the lowest possible 2018 Honda Odyssey insurance policy, Infinity offered the most affordable policy we found, with rates as little as just $23 a month.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

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2017 Honda Odyssey Car Insurance

It costs around $83 monthly for liability or $141 for a full coverage policy for the 2017 Odyssey.

Looking for the cheapest policy? Workmens offered liability only coverage for as cheap as just $36 per month.

Want to find the best rates? Just enter your ZIP code below to get lots of personalized quotes for free.

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2016 Honda Odyssey Car Insurance

On average, drivers who own a 2016 Honda Odyssey can expect to pay $71 to $129 a month for liability only and full coverage insurance, respectively.

We found Clearcover offered the lowest policy, with rates sometimes as low as $17 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2015 Honda Odyssey Car Insurance

2015 Odyssey drivers can expect to pay an average of $74 per month for liability or $130 for full coverage.

Aspire has rates as cheap as $25 monthly for the 2015 Honda Odyssey.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2014 Honda Odyssey Car Insurance

The average cost to insure a 2014 Honda Odyssey with liability only coverage is $80 a month, while full coverage runs about $119 per month.

Mercury offered the cheapest policy we found, with rates as cheap as just $17 monthly.

Interested in exactly how much you'll pay? Enter your ZIP code below to get multiple personalized quotes for free.

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2013 Honda Odyssey Car Insurance

You can expect full coverage for a 2013 Odyssey to run around $125 a month, while liability only coverage will average about $71 per month.

With prices sometimes as cheap as $20 monthly, MetroMile offered the lowest policy we found for the 2013 Honda Odyssey.

If you want to know exactly how much you can expect to pay for your Odyssey, just enter your ZIP code below and get free quotes in minutes.

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2012 Honda Odyssey Car Insurance

The average cost to insure a 2012 Honda Odyssey with liability only coverage is $88 a month, while full coverage runs around $114 per month.

Looking for the most affordable policy? Elephant offered liability only coverage for sometimes as low as $15 a month.

If you want to find the best rates for car insurance for a 2012 Honda Odyssey, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2011 Honda Odyssey Car Insurance

It costs about $76 per month for liability or $121 for a full coverage policy for the 2011 Odyssey.

If you're looking for the most affordable 2011 Honda Odyssey insurance policy, Mercury offered the lowest policy we found, with rates as little as just $19 monthly.

Interested in what your auto insurance rate will be? Get several customized quotes for free by just entering your ZIP code below.

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2010 Honda Odyssey Car Insurance

On average, drivers who own a 2010 Honda Odyssey can expect to pay $76 to $133 a month for liability only and full coverage car insurance, respectively.

We found Mercury offered the most affordable policy, with rates as low as just $17 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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Honda Odyssey Insurance FAQs

Is a Honda Odyssey expensive to insure?

It costs less to insure a Honda Odyssey when compared to the average vehicle. Liability insurance runs an average of $77 monthly, while full coverage will cost you around $129.

How can I get the best price on car insurance for my Honda Odyssey?

There's only one way to make sure you're getting the cheapest rates -- regularly shopping around and comparing quotes from multiple carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a wide array of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Honda Odyssey affect my insurance premiums?

Have you heard that it is more expensive to insure red cars that silver or white vehicles before? Well, that's actually a myth. While there are a variety of factors auto insurance carriers look at when they decide your insurance premium, the color of your vehicle is not one of them.

Do I need to have insurance before I buy a Honda Odyssey?

You'll need to have an insurance policy in place before you can legally driver your new (or new to you) Honda Odyssey off the dealership lot. As part of the buying process, some dealerships may offer you an auto insurance policy, but it's best to let your auto insurance company know ahead of time.

What car insurance discounts can I get for my Honda Odyssey?

You will find a ton of discounts out there when it comes to insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are more based on you than the Odyssey you drive, but if your Odyssey has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. The only way to find out is to contact your insurance carrier and ask about their discounts, since they shift quite a bit from carrier to carrier.