About $1,119 a year for full coverage on a national average — 22% less than the $1,438 average car. Insurers rate the Honda Odyssey at an index of 78 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2022-2024).
The premium isn't spread evenly. Personal injury (PIP) — no-fault injury cover in some states — carries this car's highest loss index at 89, while Bodily injury sits at 70. That gap is the real reason behind the price, and it's the part a quote form never shows you. Among 4 minivans we hold data for, the Odyssey ranks #1 from cheapest, below the class median of 96. Against what the car is worth the bill looks different again: a 2026 Odyssey sells for a median $52,900, so a year of cover costs 2.1% of the car's value. Over 19 generations of data the index has climbed from 65 (2004-2006) to 78 (2022-2024). Calculated from 19 insurance-loss records and live US listing prices.
Why a Odyssey costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,119: Liability (BI + PD) $537 · Collision $313 · Comprehensive $134 · Other (UM / PIP) $134.
The Odyssey against its class
Every minivans we hold insurance data for, cheapest to insure first. The Odyssey is highlighted — rivals are clickable if you're cross-shopping:
Class as defined by insurers (Minivans), not by us — it groups cars by how they're actually driven and repaired. Median for this class is 96, roughly $1,380 a year.
How it changed by generation
Insurance-loss index of the Odyssey across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The Odyssey has become more expensive to insure over time (+13 points).
What a Odyssey costs by state
Where you park matters as much as what you drive. The Odyssey's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Odyssey est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by this model's loss index — your own quote also depends on age, record, deductible and ZIP.
More on the Honda Odyssey
Honda Odyssey insurance — frequently asked
How much is insurance for a Honda Odyssey?
About $1,119 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 78 applied to the US average premium.
Why is the Odyssey expensive or cheap to insure?
Its costliest area is Personal injury (PIP) (index 89), which covers no-fault injury cover in some states. Insurers set premiums from claim history like this, not from the sticker price.
Is the Odyssey cheaper to insure than rivals?
It ranks #1 of 4 in the minivans class, where the median index is 96 against this car's 78. Cheaper rivals are listed in the chart above.
Is that a lot relative to the car's value?
A year of cover is 2.1% of what a 2026 Odyssey sells for (a median $52,900). Cheap cars often show a higher percentage even when the dollar premium is lower.
Does its safety rating lower the premium?
Not directly. The Odyssey holds 5 stars from NHTSA, but crash-test performance and repair cost are priced separately — a car can protect occupants well and still be costly to fix.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same Odyssey can differ by hundreds between two drivers.