Honda Odyssey Insurance Costs and Comparisons: 2025 Guide to Savings

Is insurance expensive for a Honda Odyssey?

We analyzed the average cost of insurance from the EX trim up to the higher cost Elite model to look at how insurance on the Odyssey ranks when compared to the rest of the minivan segment.

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  • Honda Odyssey insurance costs an average of $2,138 per year or around $178 per month, depending on the trim level.
  • The cheapest Honda Odyssey insurance can be found on the EX trim level at an average of $2,034 per year to insure, while the Odyssey Elite is the most expensive to insure at $2,256 for an annual policy.
  • When compared to other midsize minivans, the 2024 Honda Odyssey is one of the cheaper midsize minivans to insure, costing $180 less per year on average.
  • Honda Odyssey insurance rates in a few larger cities include $3,298 in New Orleans, LA, $2,464 in San Jose, CA, and $1,908 in Cleveland, OH.

How much does Honda Odyssey insurance cost?

Honda Odyssey car insurance costs an average of $2,138 per year, which is about $178 each month, for full coverage. Comprehensive coverage costs about $530 a year, liability and medical payments insurance is around $620, and the remaining collision insurance will cost around $988.

The following infographic demonstrates how average 2024 Honda Odyssey insurance rates change depending on the age of the driver and policy deductibles for physical damage coverage.

Average 2024 Honda Odyssey car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2024 Honda Odyssey car insurance premiums for different driver ages and policy deductibles. Updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on a 2024 model year Honda Odyssey. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2024 Honda Odyssey Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$3,630$303
$500$4,304$359
$250$5,016$418
30-Year-Old$1,000$1,908$159
$500$2,282$190
$250$2,674$223
40-Year-Old$1,000$1,796$150
$500$2,138$178
$250$2,498$208
50-Year-Old$1,000$1,598$133
$500$1,896$158
$250$2,206$184
60-Year-Old$1,000$1,496$125
$500$1,776$148
$250$2,066$172

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2024 Honda Odyssey. Updated June 27, 2025

Car insurance rates vary a lot, and to help give you a better idea of how much, insuring a Honda Odyssey for only liability insurance in the most affordable parts of North Carolina or Indiana can cost around $233 a year.

For the same model year of Honda Odyssey, a newly-licensed teenage driver with a poor driving record in a few Pennsylvania zip codes could cost as much as $15,491 a year for full coverage.

Now, the likelihood of a 16-year-old choosing a Honda minivan as his ride is not very likely. But for this illustration, young males are the most expensive to insure, and we wanted to show how much rates vary depending on driver risk factors.

The table below shows average Honda Odyssey car insurance rates for the 2013 to 2024 model years and for drivers aged 20 through 60.

Honda Odyssey Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2024 Honda Odyssey$4,304$2,138$1,776
2023 Honda Odyssey$4,194$2,082$1,728
2022 Honda Odyssey$4,026$1,994$1,654
2021 Honda Odyssey$4,318$2,132$1,772
2020 Honda Odyssey$4,192$2,068$1,720
2019 Honda Odyssey$3,720$1,836$1,528
2018 Honda Odyssey$3,528$1,746$1,454
2017 Honda Odyssey$3,366$1,670$1,392
2016 Honda Odyssey$2,838$1,428$1,192
2015 Honda Odyssey$2,996$1,488$1,248
2014 Honda Odyssey$2,972$1,480$1,238
2013 Honda Odyssey$2,798$1,400$1,172

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Honda Odyssey trim levels for each model year. Updated June 26, 2025

Average insurance rates for 2013 to 2024 Honda Odyssey models for drivers age 20, 40 and 60
Average insurance rates for 2013 to 2024 Honda Odyssey models for drivers age 20, 40 and 60

Which Odyssey trim level is the cheapest to insure?

With Honda Odyssey insurance cost ranging from $2,034 to $2,256 annually for the average driver, the most affordable trim level to insure is the EX. The second cheapest model to insure is the EX-L at $2,104 per year. On average, expect to budget at least $170 per month to insure an Odyssey for full coverage.

The costliest models of Honda Odyssey to insure are the Elite at $2,256 and the Touring at $2,180 per year. Those two trim levels will cost an extra $222 and $146 per year, respectively, over the lowest cost EX model.

The next table shows the average Honda Odyssey insurance rates, in addition to a monthly amount for budgeting, for each 2024 model year package and trim level.

2024 Honda Odyssey Insurance Rates by Trim Level
2024 Honda Odyssey Trim Level Annual Premium Cost Per Month
EX$2,034$170
EX-L$2,104$175
Sport$2,124$177
Touring$2,180$182
Elite$2,256$188

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2024 Honda Odyssey ranging from the EX model at $2,034 per year to the Elite model at $2,256
Insurance cost by trim level for a 2024 Honda Odyssey ranging from the EX model at $2,034 per year to the Elite model at $2,256

Is Odyssey insurance cheaper than other minivans?

The Honda Odyssey ranks first out of four comparison vehicles in the 2024 midsize minivan category. The average insurance cost for a Honda Odyssey is $2,138 per year for full coverage, while the category average cost is $2,318 per year, a difference of $180 per year.

When minivan insurance rates are compared, the Honda Odyssey costs $176 less per year than the Chrysler Pacifica and $284 less than the Kia Carnival.

The chart below compares Odyssey car insurance rates to the rest of the minivan class. Minivan models that have been discontinued include the Dodge Grand Caravan and the Toyota Sienna.

Average 2024 Honda Odyssey car insurance premium compared to other midsize minivan models.
Figure 2: Average 2024 Honda Odyssey car insurance premium compared to other midsize minivan models. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Odyssey. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Honda Odyssey trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Honda Odyssey Insurance Cost Compared to All Midsize Minivans
Rank Make and Model Annual Premium Difference
1Honda Odyssey$2,138--
2Chrysler Pacifica$2,314$176
3Toyota Sienna$2,398$260
4Kia Carnival$2,422$284

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated June 26, 2025

Average rates for large U.S. cities

The cost to insure an Odyssey minivan can be significantly different, from lower rates like $1,734 a year in Virginia Beach, VA, or $1,796 in Charlotte, NC, to higher rates such as $3,146 a year in Los Angeles, CA and $3,474 in New York City.

Insurance rates on an Odyssey in some additional locations include Tucson, AZ, averaging $2,162 per year, Dallas, TX, costing $2,304, Houston, TX, at $2,294, and Indianapolis, IN, at an estimated $1,952.

The following bar chart illustrates estimated insurance rate data for a Honda Odyssey for the highest populated cities in the U.S.

Average car insurance rates for a 2024 Honda Odyssey in larger U.S. cities.
Figure 3: Average car insurance rates for a 2024 Honda Odyssey in larger U.S. cities. Rates updated on June 27, 2025.

Data Methodology: Average car insurance rates for a 2024 Honda Odyssey assume a 40-year-old married male driver with no driving violations or at-fault accidents in the last three years. Comprehensive and collision deductibles are $500, UM/UIM and medical payments coverage is included, and rates are averaged for all trim levels and U.S. Zip Codes.

Honda Odyssey Insurance Rates by Location
Location Annual Premium Cost Per Month
New York, NY$3,474$290
Philadelphia, PA$3,160$263
Las Vegas, NV$3,154$263
Los Angeles, CA$3,146$262
San Francisco, CA$2,812$234
Kansas City, MO$2,578$215
Oklahoma City, OK$2,578$215
Denver, CO$2,540$212
Memphis, TN$2,540$212
Atlanta, GA$2,516$210
San Jose, CA$2,464$205
Phoenix, AZ$2,416$201
Portland, OR$2,394$200
San Diego, CA$2,386$199
Boston, MA$2,382$199
Chicago, IL$2,330$194
Dallas, TX$2,304$192
Houston, TX$2,294$191
Seattle, WA$2,288$191
Jacksonville, FL$2,244$187
Nashville, TN$2,228$186
Milwaukee, WI$2,220$185
Albuquerque, NM$2,192$183
San Antonio, TX$2,144$179
Omaha, NE$2,100$175
Fort Worth, TX$2,096$175
Austin, TX$2,078$173
Indianapolis, IN$1,952$163
Columbus, OH$1,848$154
Charlotte, NC$1,796$150

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for a 2024 Honda Odyssey and all Zip Codes in each city. Updated June 27, 2025

Frequently Asked Questions

Is car insurance cheaper on a Honda Odyssey or a Pilot?

The Honda Odyssey has an average insurance cost of $2,082 and the Honda Pilot is $2,192, making the Honda Odyssey cheaper by $110 per year for the 2023 model year.

Is insurance cheaper on a Honda Odyssey or a CR-V?

For 2023 models, the Odyssey has an average insurance cost of $2,082 and the Honda CR-V is $1,932, making the Honda CR-V cheaper by $150 per year.