The Honda Odyssey is a minivan known for combining V-6 power with a cozy interior cabin. The Odyssey debuted in the U.S. in 1994 and is still going strong today. No matter which type of Odyssey you drive, it needs to be protected with the right car insurance.
When it's time to find the best Honda Odyssey insurance, an independent insurance agent can assist you. These agents know where to get the right insurance for a new or used Honda Odyssey at a great rate. But first, here's a behind-the-scenes look at how much it costs to insure an Odyssey by model year and top-rated insurance company in 2026.
Key Takeaways - Honda Odyssey Car Insurance
Honda Odyssey insurance costs an average of $1,768 per year, or approximately $147 per month, for full coverage in 2026.
Honda Odyssey insurance costs vary considerably by state, with drivers in Wyoming paying an average of only $27 monthly for minimum coverage, while those in Louisiana pay $150.
Your age, location, credit, vehicle trim level, and driving history can all impact the cost of Honda Odyssey insurance.
Progressive, Nationwide, and American Family are the cheapest carriers for model-year 2025 Honda Odyssey insurance this year.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Honda Odyssey model.
What Is Honda Odyssey Insurance?
Honda Odyssey insurance is a type of car insurance policy that includes customized coverage options for your specific vehicle. As a Honda minivan, the Odyssey likely doesn't require any additional coverage beyond that of other standard cars. The Odyssey's average car insurance rates also trend cheaper than those for similar vehicles in its class. For rates across other Honda models, see our full guide to Honda car insurance.
Recommended coverage options for Honda Odyssey drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Add-on coverage options worth considering for a Honda Odyssey:
- Gap insurance: If you have a new or financed Honda vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Honda warranty insurance: This can extend Honda's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Honda parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
A local independent insurance agent can help you get set up with all the required car insurance in your state. They'll ensure your vehicle gets equipped with all the required coverage, whether you drive an automatic Honda Odyssey or another model.
How Much Does Honda Odyssey Insurance Cost?
The average cost of car insurance for a Honda Odyssey is $1,768 per year, or approximately $147 per month, for full coverage. However, several factors can influence the cost of Honda insurance, including:
- The specific type of Odyssey you drive
- Vehicle safety features
- Annual mileage
- Your location
- Your claims history
- The types and amount of coverage you need
- Your credit score (where allowed)
- Your driving history
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Honda Odyssey full coverage insurance or a basic Honda Odyssey liability insurance policy.
Is the Honda Odyssey Expensive to Insure?
No, the Honda Odyssey isn't expensive to insure on average. The average monthly cost of Honda Odyssey auto insurance is $147, while the average for other vans is $157.
| Vehicle | Average Monthly Cost of Car Insurance |
| Honda Odyssey | $147 |
| All Vans | $157 |
Honda Odyssey Insurance Costs by Model Year
Next, we'll break down several model years of the Honda Odyssey and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Honda Odyssey* | $1,485 |
| 2025 Honda Odyssey | $1,270 |
| 2024 Honda Odyssey | $1,479 |
| 2023 Honda Odyssey | $832 |
| 2022 Honda Odyssey | $835 |
| 2021 Honda Odyssey | $878 |
| 2020 Honda Odyssey | $681 |
| 2019 Honda Odyssey | $720 |
| 2018 Honda Odyssey | $773 |
| 2017 Honda Odyssey | $727 |
| 2016 Honda Odyssey | $582 |
| 2015 Honda Odyssey | $538 |
| 2014 Honda Odyssey | $537 |
| 2013 Honda Odyssey | $444 |
| 2012 Honda Odyssey | $446 |
| 2011 Honda Odyssey | $483 |
| 2010 Honda Odyssey | $520 |
*Note: The 2026 Odyssey's average rates are a projection based on the evaluation of inflation trends and current market data.
Cheapest Honda Odyssey Car Insurance Companies for 2026
You can find affordable auto insurance for a Honda Odyssey from many different carriers. These top-rated car insurance companies provide the cheapest model-year 2025 Honda Odyssey insurance in 2026.
| Cheapest Insurance Companies | Average Annual Cost |
| Progressive | $1,568 |
| Nationwide | $1,572 |
| American Family | $1,755 |
| USAA | $1,905 |
| Erie | $1,949 |
| Allstate | $3,498 |
Honda Odyssey Car Insurance Rates by State
Location is one of the biggest factors that influence car insurance costs. Here are some average auto insurance rates for the Honda Odyssey by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $62 | $116 |
| Alaska | $54 | $114 |
| Arizona | $88 | $164 |
| Arkansas | $59 | $131 |
| California | $71 | $143 |
| Colorado | $70 | $167 |
| Connecticut | $104 | $178 |
| Delaware | $105 | $177 |
| Florida | $97 | $223 |
| Georgia | $111 | $181 |
| Hawaii | $39 | $88 |
| Idaho | $40 | $81 |
| Illinois | $68 | $126 |
| Indiana | $47 | $93 |
| Iowa | $40 | $96 |
| Kansas | $52 | $122 |
| Kentucky | $93 | $158 |
| Louisiana | $150 | $320 |
| Maine | $38 | $79 |
| Maryland | $115 | $194 |
| Massachusetts | $76 | $161 |
| Michigan | $114 | $219 |
| Minnesota | $61 | $126 |
| Mississippi | $64 | $127 |
| Missouri | $87 | $172 |
| Montana | $50 | $118 |
| Nebraska | $54 | $122 |
| Nevada | $131 | $237 |
| New Hampshire | $52 | $91 |
| New Jersey | $124 | $204 |
| New Mexico | $60 | $134 |
| New York | $89 | $161 |
| North Carolina | $61 | $120 |
| North Dakota | $44 | $95 |
| Ohio | $55 | $106 |
| Oklahoma | $68 | $150 |
| Oregon | $91 | $159 |
| Pennsylvania | $64 | $148 |
| Rhode Island | $93 | $165 |
| South Carolina | $75 | $140 |
| South Dakota | $38 | $116 |
| Tennessee | $57 | $115 |
| Texas | $93 | $191 |
| Utah | $79 | $135 |
| Vermont | $33 | $79 |
| Virginia | $71 | $115 |
| Washington | $68 | $126 |
| West Virginia | $64 | $130 |
| Wisconsin | $47 | $102 |
| Wyoming | $27 | $83 |
Average Honda Odyssey Insurance Rates by Driver Age and Profile
Additional factors that greatly influence car insurance premiums are your age, credit, and driving history. Teens and young drivers pay the most, by far, on average for Honda Odyssey insurance. Drivers with poor credit or traffic violations on their records also tend to pay much more for auto insurance.
Car insurance rates typically begin to drop dramatically around age 25. Once a driver reaches about age 65, car insurance costs start to gradually climb again through their senior years. Here are some average insurance rates for the Honda Odyssey by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $5,159 | $7,590 | $8,848 |
| 20 | $3,986 | $5,842 | $6,829 |
| 25 | $2,345 | $3,440 | $3,987 |
| 30 | $1,808 | $2,671 | $3,099 |
| 35 | $1,688 | $2,517 | $2,931 |
| 40 | $1,624 | $2,399 | $2,823 |
| 45 | $1,582 | $2,352 | $2,713 |
| 55 | $1,449 | $2,130 | $2,491 |
| 65 | $1,503 | $2,244 | $2,602 |
| 75 | $1,914 | $2,818 | $3,289 |
Average Honda Odyssey Insurance Rates by Trim Level
Your vehicle's specific trim level also has a major effect on the cost of car insurance. Here are some average rates for Honda Odyssey insurance by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| LX Minivan 4D | $69 | $132 |
| EX | $71 | $137 |
| EX Minivan 4D | $71 | $137 |
| Sport Minivan 4D | $73 | $141 |
| EX-L Minivan 4D | $75 | $144 |
| Elite Minivan 4D | $75 | $145 |
| Sport | $77 | $150 |
| Touring Minivan 4D | $78 | $150 |
| EX-L | $78 | $151 |
| SE Minivan 4D | $79 | $152 |
| Touring Elite Minivan 4D | $80 | $153 |
| Sport L | $82 | $160 |
| Touring | $85 | $166 |
| Elite | $93 | $181 |
Best Honda Odyssey Insurance Discounts: How to Lower Your Honda Odyssey Insurance Premiums
Looking to save even more money on your auto insurance premiums? Follow these simple steps to potentially lower your Honda Odyssey insurance costs even further:
- Ask about Honda Odyssey insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Honda may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Honda Odyssey insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Honda Odyssey insurance from a trusted carrier near you.
A local independent insurance agent can help you find the best Honda Odyssey insurance discounts. They can also recommend additional methods to further reduce your premiums.
An Independent Insurance Agent Can Help You Get the Best Honda Odyssey Insurance Quotes
When it's time to find the most affordable Honda Odyssey insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Honda Odyssey insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Honda Odyssey Insurance
How much does Honda Odyssey insurance cost per year?
The average annual cost of full coverage for a Honda Odyssey is $1,768 per year, or approximately $147 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Honda Odyssey insurance premiums?
If you've filed claims in the past, have accidents or other violations on your driving record, have poor credit, drive an expensive trim model, or live in a high-theft area, these factors can all increase the cost of Honda Odyssey insurance.
Is the Honda Odyssey expensive to insure?
No, the Honda Odyssey isn't expensive to insure on average. The cost of a six-month full coverage policy is only $884.
What are the best and cheapest carriers for Honda Odyssey insurance in 2026?
We found that Progressive, Nationwide, and American Family are the best and cheapest car insurance companies for model-year 2025 Honda Odyssey insurance this year.
Is insurance cheaper for the Odyssey than for other vans?
Yes, the Honda Odyssey's average insurance rates are cheaper than those for other vans. While the Odyssey's average full coverage rates are just $147 per month, other vans average $157 per month.
How can I get cheaper Honda Odyssey insurance?
Finding cheaper Honda Odyssey insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.insuranceopedia.com/auto-insurance/honda-odyssey-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/honda/odyssey/
https://www.moneygeek.com/insurance/auto/honda-odyssey-insurance/