Full coverage insurance for a Honda Odyssey ranges from $974 to $5,301 annually. Rates vary depending on the model year, driver's age, location, driving history, coverage level and insurer. MoneyGeek breaks down Honda Odyssey insurance costs and coverage, offering an in-depth look at the best companies and affordable insurers.
Honda Odyssey Insurance Cost
Updated: March 17, 2025
Key Takeaways
State Farm provides the cheapest minimum coverage across all Honda Odyssey model years at $470 annually.
On average, Honda Odyssey drivers pay $570 annually for minimum coverage and $1,224 for full coverage.
MoneyGeek analyzed data and 4,183 Honda Odyssey quotes from Quadrant Information Services, ensuring reliable and comprehensive insights into insurance costs.
Honda Odyssey Insurance Rates
What Is the Average Honda Odyssey Car Insurance Cost?
Insuring a Honda Odyssey costs about $102 per month or $1,224 per year for full coverage, based on a 40-year-old male driver with a clean record. Minimum coverage averages $48 monthly or $570 annually.
| Minimum Coverage | $570 |
| Full Coverage | $1,224 |
Read more: Average Cost of Car Insurance
Honda Odyssey Insurance Costs by Company
Honda Odyssey insurance costs range from $1,007 to $1,714 per year, depending on age, model year and coverage level. The table below shows how these rates compare to averages for all vehicles from several national and midsize providers.
| Allstate | $1,324 | $1,791 | -26% |
| Auto-Owners | $1,046 | $1,223 | -14% |
| Farmers | $1,455 | $1,929 | -25% |
| GEICO | $1,128 | $1,320 | -15% |
| Kemper | $1,714 | $2,163 | -21% |
| Nationwide | $1,301 | $1,583 | -18% |
| Progressive | $1,382 | $1,734 | -20% |
| State Farm | $1,064 | $1,262 | -16% |
| Travelers | $1,273 | $1,514 | -16% |
| USAA | $1,007 | $1,195 | -16% |
Read more: Best Car Insurance Companies
Cost of Insuring a Honda Odyssey by Model Year
The year your Honda Odyssey was produced can affect your insurance rates, with older vehicles often being cheaper. For instance, insuring a 2022 model costs $1,366 annually for full coverage, while a 2009 model costs $1,081. Below are the average full and minimum coverage rates for each Odyssey production year.
| 2022 | $571 | $1,366 |
| 2021 | $573 | $1,357 |
| 2020 | $555 | $1,334 |
| 2019 | $583 | $1,316 |
| 2018 | $586 | $1,292 |
| 2017 | $567 | $1,268 |
| 2016 | $593 | $1,243 |
| 2015 | $594 | $1,219 |
| 2014 | $571 | $1,201 |
| 2013 | $595 | $1,182 |
| 2012 | $594 | $1,164 |
| 2011 | $569 | $1,136 |
| 2010 | $590 | $1,109 |
| 2009 | $587 | $1,081 |
Honda Odyssey Insurance Costs by Driver Age
Honda Odyssey insurance rates vary greatly depending on the driver's age. For example, 40-year-olds pay an average of $1,233 annually for full coverage, while 16-year-olds pay about $5,301. Below are the average rates for different ages.
| 16 | $2,637 | $5,301 |
| 17 | $2,144 | $4,320 |
| 18 | $1,870 | $3,800 |
| 19 | $1,330 | $2,717 |
| 20 | $1,194 | $2,469 |
| 21 | $950 | $1,995 |
| 22 | $866 | $1,833 |
| 23 | $803 | $1,711 |
| 24 | $761 | $1,628 |
| 25 | $678 | $1,457 |
| 26 | $661 | $1,416 |
| 27 | $645 | $1,384 |
| 28 | $634 | $1,363 |
| 29 | $625 | $1,344 |
| 30 | $603 | $1,296 |
| 35 | $587 | $1,257 |
| 40 | $581 | $1,233 |
| 45 | $576 | $1,218 |
| 50 | $562 | $1,181 |
| 55 | $548 | $1,150 |
| 60 | $548 | $1,146 |
| 65 | $583 | $1,194 |
| 70 | $633 | $1,278 |
| 75 | $702 | $1,401 |
| 80 | $796 | $1,561 |
| 85 | $861 | $1,675 |
| 90 | $908 | $1,755 |
Honda Odyssey Insurance Rates Explained
Car insurance rates depend on your driver profile and vehicle-related factors, such as make, model, age and safety features. These details play a key role in determining costs.
Honda Odyssey Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Honda Odyssey
Average Full Coverage Rate
$1,224Premiums for Honda Odyssey are cheaper:$72 saved
This is 6% less expensive.
Value
The Honda Odyssey’s MSRP is $51,765, classifying it as a luxury vehicle, which impacts insurance costs.
Repair costs
The Honda Odyssey’s annual repair cost is $547, below the national average, which may help reduce insurance costs.
Performance
The Honda Odyssey, with 280 horsepower and a 0-to-60 time of 6.5 seconds, isn't classified as high-performance, which may help keep insurance costs lower.
Vehicle age
Newer Honda Odyssey models are typically more expensive to insure than older ones.
Safety features
Safety features like stability control, airbags and antilock brakes can qualify the Honda Odyssey for insurance discounts.
Vehicle size
Larger vehicles like the Honda Odyssey, with a curb weight of 4,590 lbs, may cost more to insure.
Trim level
Higher Honda Odyssey trim levels like the Elite increase the MSRP, leading to higher insurance costs than the base model.
Theft rates
Vehicles with higher theft rates typically cost more to insure. The Honda Odyssey’s theft claims frequency of 76 may result in increased insurance rates.
Cheapest Honda Odyssey Insurance
State Farm offers the lowest rate for a Honda Odyssey, with minimum coverage costing $470 annually, based on a 40-year-old male with a clean driving record. Below is a breakdown of the most affordable auto insurance rates across coverage levels, age groups, driving records, model years and more.
Cheapest Honda Odyssey Insurance by Coverage Level
The coverage level you select significantly impacts your Honda Odyssey insurance costs. State Farm offers the most affordable minimum and full coverage rates. Below is a breakdown of the cheapest providers by coverage type.
Cheapest Honda Odyssey Minimum Coverage
State Farm offers the cheapest minimum coverage for a Honda Odyssey at $39 monthly, followed closely by GEICO at $41. Travelers comes next at $49, as well as Allstate and Progressive at $52.
| USAA | $33 | $399 |
| State Farm | $39 | $470 |
| GEICO | $41 | $493 |
| Travelers | $49 | $585 |
| Allstate | $52 | $627 |
| Progressive | $52 | $629 |
| Nationwide | $53 | $632 |
| Farmers | $53 | $635 |
*State Farm offers non-military-affiliated Honda Odyssey owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Honda Odyssey Insurance Rates by Model Year
The above list doesn't consider the model production year, so lower rates may be available depending on your Honda Odyssey's age. Use the table below to filter and find the cheapest minimum coverage rates for every production year.
Data filtered by:Results filtered by:
Select
Model Year:2022
| Allstate | $627 | $52 |
| Farmers | $646 | $54 |
| GEICO | $481 | $40 |
| Nationwide | $603 | $50 |
| Progressive | $604 | $50 |
| State Farm | $467 | $39 |
| Travelers | $574 | $48 |
| USAA | $376 | $31 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Honda Odyssey Insurance
State Farm offers the cheapest full coverage for a Honda Odyssey at $86 monthly or $1,035 annually. Below is a complete list of full coverage insurance providers and rates.
| USAA | $81 | $974 |
| State Farm | $86 | $1,035 |
| GEICO | $92 | $1,101 |
| Nationwide | $103 | $1,235 |
| Travelers | $105 | $1,262 |
| Allstate | $106 | $1,273 |
| Progressive | $110 | $1,324 |
| Farmers | $114 | $1,368 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Honda Odyssey owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Honda Odyssey Insurance by Age
Drivers aged 16 to 25 and 55 and up typically pay more for Honda Odyssey insurance. Below is a breakdown of the cheapest options by age.
Cheapest Honda Odyssey Insurance for Young Drivers
For Honda Odyssey drivers aged 16 to 25, State Farm offers the cheapest rates, averaging $85 per month or $1,026 per year for minimum coverage. Below is the complete list of affordable auto insurance options for young drivers.
| USAA | $68 | $820 |
| State Farm | $85 | $1,026 |
| GEICO | $98 | $1,181 |
| Travelers | $102 | $1,220 |
| Allstate | $121 | $1,455 |
| Nationwide | $137 | $1,647 |
| Farmers | $143 | $1,712 |
| Progressive | $146 | $1,751 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Honda Odyssey Insurance for Seniors
State Farm offers the cheapest car insurance for seniors 55 and up at $43 monthly or $517 annually. Below is a full list of affordable Honda Odyssey insurers.
| State Farm | $43 | $517 |
| USAA | $44 | $528 |
| GEICO | $49 | $592 |
| Travelers | $59 | $705 |
| Nationwide | $62 | $741 |
| Allstate | $64 | $765 |
| Progressive | $67 | $804 |
| Farmers | $71 | $848 |
Cheapest Honda Odyssey Insurance After an Accident
State Farm, GEICO and Travelers offer Honda Odyssey drivers the cheapest car insurance after an accident. See the complete list below.
| State Farm | $49 | $589 |
| USAA | $50 | $604 |
| GEICO | $65 | $776 |
| Travelers | $69 | $832 |
| Allstate | $70 | $845 |
| Nationwide | $81 | $968 |
| Progressive | $85 | $1,016 |
| Farmers | $105 | $1,263 |
Honda Odyssey Insurance Cost: Bottom Line
Regularly comparing rates from different providers can help you find the cheapest car insurance. This article details Honda Odyssey insurance costs, including expenses across demographics and the most affordable providers.
Honda Odyssey Insurance Rates: FAQ
Below are answers to common questions about Honda Odyssey insurance costs to help you understand what to expect.
What company has the cheapest car insurance for a Honda Odyssey?
State Farm offers the most affordable minimum coverage for a Honda Odyssey, with an annual rate of $470.
What is the average cost of car insurance for a Honda Odyssey?
The average cost of minimum coverage insurance for a Honda Odyssey is $570 annually. Full coverage averages $1,224.
Honda Odyssey Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Honda Odyssey insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Honda Odyssey:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Honda Odyssey insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Honda Odyssey.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.