Honda Odyssey Car Insurance Rates for 2023

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 2023 minivan segment.

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  • Honda Odyssey insurance costs an average of $1,612 per year or around $134 per month, depending on the trim level.
  • The cheapest Honda Odyssey insurance can be found on the EX trim level at an average of $1,532 per year to insure, while the Odyssey Elite is the most expensive to insure at $1,700 for an annual policy.
  • When compared to other midsize minivans, the 2023 Honda Odyssey is one of the cheaper midsize minivans to insure, costing $118 less per year on average.
  • Honda Odyssey insurance rates in a few larger cities include $2,796 in New Orleans, LA, $1,816 in San Jose, CA, and $1,254 in Cleveland, OH.

How much does Honda Odyssey insurance cost?

Honda Odyssey car insurance costs an average of $1,612 per year, which is about $134 each month, for full coverage. Comprehensive coverage costs about $390 a year, liability and medical payments insurance is around $484, and the remaining collision insurance will cost around $738.

The following chart demonstrates how average 2023 Honda Odyssey insurance rates change depending on the age of the driver and policy deductibles for physical damage coverage.

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Chart Data Details: Chart shows average insurance cost for a 2023 Honda Odyssey with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Honda Odyssey trim levels.Data last updated on January 23, 2023
Honda Odyssey Car Insurance Rates
2023 Honda Odyssey Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,706$226
$500$3,206$267
$250$3,736$311
30$1,000$1,420$118
$500$1,702$142
$250$1,992$166
40$1,000$1,356$113
$500$1,612$134
$250$1,878$157
50$1,000$1,240$103
$500$1,472$123
$250$1,710$143
60$1,000$1,218$102
$500$1,444$120
$250$1,678$140

Car insurance rates vary a lot, and to help give you an 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 $12,248 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 2023 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
2023 Honda Odyssey$3,206$1,612$1,444
2022 Honda Odyssey$3,074$1,542$1,382
2021 Honda Odyssey$3,298$1,652$1,476
2020 Honda Odyssey$3,258$1,628$1,458
2019 Honda Odyssey$2,894$1,450$1,302
2018 Honda Odyssey$2,812$1,408$1,264
2017 Honda Odyssey$2,674$1,340$1,204
2016 Honda Odyssey$2,328$1,176$1,054
2015 Honda Odyssey$2,452$1,234$1,108
2014 Honda Odyssey$2,418$1,216$1,094
2013 Honda Odyssey$2,284$1,152$1,036

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Table Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Honda Odyssey Insurance Rates by Model Year

Which Odyssey trim level is cheapest to insure?

With Honda Odyssey insurance cost ranging from $1,532 to $1,700 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 $1,584 per year. On average, expect to budget at least $128 per month to insure a Odyssey for full coverage.

The costliest models of Honda Odyssey to insure are the Elite at $1,700 and the Touring at $1,640 per year. Those two trim levels will cost an extra $168 and $108 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 2023 model year package and trim level.

2023 Honda Odyssey Insurance Cost by Trim Level
Honda Odyssey Trim Level Annual Policy Six-Month Policy Per Month
EX$1,532$766$128
EX-L$1,584$792$132
Sport$1,604$802$134
Touring$1,640$820$137
Elite$1,700$850$142

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Honda Odyssey, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
Honda Odyssey Insurance Cost by Trim Level

Is Odyssey insurance cheaper than other minivans?

The Honda Odyssey ranks first out of four comparison vehicles in the 2023 midsize minivan category. The average insurance cost for a Honda Odyssey is $1,612 per year for full coverage, while the category average cost is $1,730 per year, a difference of $118 per year.

When minivan insurance rates are compared, the Honda Odyssey costs $114 less per year than the Chrysler Pacifica, $200 less than the Toyota Sienna, and $156 less than the Kia Carnival.

The chart below compares Odyssey car insurance rates to the rest of the minivan class. One notable exclusion on this list is the Dodge Grand Caravan insurance rate. The chart only shows data for 2023 models, and production for the Grand Caravan ended after the 2020 model year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Honda Odyssey, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Honda Odyssey trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Insurance Cost Comparison: Honda Odyssey vs Midsize Minivans
Honda Odyssey Insurance Cost Compared to All Midsize Minivans
Rank Make/Model Insurance Cost Difference
1Honda Odyssey$1,612--
2Chrysler Pacifica$1,726$114
3Kia Carnival$1,768$156
4Toyota Sienna$1,812$200

Average rates for large U.S. cities

The cost to insure an Odyssey minivan can be significantly different, from lower rates like $1,080 a year in Virginia Beach, VA, or $1,140 in Charlotte, NC, to higher rates such as $2,508 a year in Los Angeles, CA and $2,838 in New York City.

Insurance rates on an Odyssey in some additional locations include Tucson, AZ, averaging $1,510 per year, Dallas, TX, costing $1,652, Houston, TX, at $1,644, and Indianapolis, IN, at an estimated $1,298.

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

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2023 Honda Odyssey, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Honda Odyssey trim levels.Data last updated on January 23, 2023
Honda Odyssey Insurance Rates in Large U.S. Cities
Honda Odyssey Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$2,838$237
Philadelphia, PA$2,522$210
Las Vegas, NV$2,516$210
Los Angeles, CA$2,508$209
San Francisco, CA$2,170$181
Kansas City, MO$1,932$161
Oklahoma City, OK$1,932$161
Denver, CO$1,896$158
Memphis, TN$1,896$158
Atlanta, GA$1,870$156
San Jose, CA$1,816$151
Phoenix, AZ$1,772$148
Portland, OR$1,746$146
San Diego, CA$1,736$145
Boston, MA$1,732$144
Jacksonville, FL$1,726$144
Chicago, IL$1,678$140
Dallas, TX$1,652$138
Houston, TX$1,644$137
Seattle, WA$1,640$137
Nashville, TN$1,580$132
Milwaukee, WI$1,570$131
Albuquerque, NM$1,540$128
San Antonio, TX$1,492$124
Omaha, NE$1,450$121
Fort Worth, TX$1,442$120
Austin, TX$1,424$119
Indianapolis, IN$1,298$108
Columbus, OH$1,194$100
Charlotte, NC$1,140$95

Frequently Asked Questions

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

The Honda Odyssey has an average insurance cost of $1,612 and the Honda Pilot is $1,696, making the Honda Odyssey cheaper by $84 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 $1,612 and the Honda CR-V is $1,496, making the Honda CR-V cheaper by $116 per year.