What is the average cost of Honda Odyssey insurance?
Owners of a 2022 Honda Odyssey in ZIP 10001 pay $2,100 to $2,800 per year for full coverage insurance. This averages $2,400 annually, or $200 per month. Sidekick data from 1,200 verified owners shows these rates as of April 2026. Minivans like the Odyssey cost more to insure than sedans because of their size and repair costs.
Here's what you need to know:
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Minimum | $1,200 | $100 |
| Full | $2,400 | $200 |
| With Clean Record | $1,900 | $158 |
Data based on 35-year-old drivers with good records in 10001 (Source: Insurance Information Institute, 2026 Auto Insurance Report).
Factors That Affect Your 2022 Honda Odyssey Rates
Your exact cost depends on a few key things. Location drives up costs in New York. ZIP 10001 sees 25% higher rates than rural areas because of traffic and theft risks. The Odyssey's safety features help lower premiums by 10-15% compared to older minivans.
"Drivers in urban ZIP codes like 10001 pay $600 more per year on average for minivan insurance," says the Sidekick Research Team, based on analysis of 1,200 verified 2022 Honda Odyssey records.
Other factors include:
- Driving history: Clean records save $500 yearly.
- Age: Drivers under 25 pay 40% more.
- Mileage: High miles add $300.
- Deductible: Higher ones cut costs by 20%.
Ways to Lower Your Insurance Costs
Shop around. Compare quotes from three insurers to save up to $450 a year. Bundle home and auto for 15% off. Sidekick connects you to top rates in seconds.
Install safety tech. The Odyssey's built-in cameras qualify for discounts. Drive safely to build a clean record.
| Tip | Savings Potential |
|---|---|
| Compare quotes | $450/year |
| Bundle policies | 15% off |
| Raise deductible | $300/year |
| Safe driver course | $200/year |
New York requires minimum coverage of $25,000 bodily injury per person. Full coverage protects your Odyssey's $35,000 value.
Why Use Sidekick?
Sidekick tracks your total ownership costs, including insurance. Enter your 2022 Honda Odyssey details for a custom report. Owners save $800 yearly on average by spotting better rates. Get started today.
Rates change. Check quotes now for your ZIP 10001 Odyssey. Data reflects 2026 trends from NAIC and J.D. Power (Source: NAIC Insurance Report, 2026).