Full-coverage costs, Honda Sensing safety analysis, trim-by-trim insurance comparison, and everything a 2026 Odyssey buyer needs before signing.
The 2026 Honda Odyssey is an eight-passenger minivan built for families who prioritize interior space, flexible seating, and broad standard safety coverage. It pairs a 280-hp 3.5-liter naturally aspirated V6 with a 10-speed automatic transmission and front-wheel drive across all four trims (EX-L, Sport-L, Touring, and Elite), with MSRP running from about $42,795 to $51,695. There is no hybrid or all-wheel-drive option, which sets it apart from the Toyota Sienna and Kia Carnival.
Honda built the Odyssey around family practicality: the Magic Slide second row repositions laterally, every trim carries Honda Sensing, and the cabin emphasizes passenger and cargo flexibility over performance. Honda Sensing is Honda's standard suite of Advanced Driver Assistance Systems (ADAS). Unlike passive safety features such as airbags and crumple zones, which activate at the moment of impact, ADAS features like automatic emergency braking and blind-spot monitoring intervene before a collision occurs. Major insurers track this distinction closely: they have found that active-intervention systems reduce claim frequency and severity, and those reductions feed into what drivers pay at renewal.
As a minivan returning 22 MPG combined, the Odyssey sits in the cheapest vehicle segment to insure on a national-average basis. Its standard ADAS hardware, family-buyer base, and strong resale value all push premiums below those of a typical sedan or SUV. See the Insurance Cost Overview section below for full-coverage figures and how the Odyssey compares to its segment.
A 2026 Honda Odyssey runs approximately $2,028 per year for full coverage, or $169 per month, according to Insurify. Liability-only coverage averages about $984 per year. Two aggregator figures this page previously averaged in are no longer verifiable: the Bankrate Odyssey page returns a 404, and The Zebra blocks automated retrieval, so their contributions are marked NOT AVAILABLE rather than restated. The Odyssey is one of the cheapest Honda models to insure. Rate figures reflect 2025-2026 market data. Exact premiums vary substantially by driver age, history, location, credit, mileage, and insurer.
The Odyssey sits roughly 10% below the segment average. Minivans are the cheapest vehicle segment to insure on a national-average basis, averaging about $1,329 per year versus roughly $1,500 for SUVs and roughly $1,700 for sedans, according to The Zebra. For background on what drives the overall level of car insurance costs, see Why is car insurance so expensive? and How much does car insurance cost?
Three factors anchor the Odyssey's favorable cost position. First, it is a minivan, the lowest-risk body style in insurer loss data, typically driven by family buyers with stable claim profiles. Second, Honda Sensing is standard on every trim, so the Odyssey earns the claim-frequency benefits of active-safety equipment even at the base price. Third, strong resale value, around 62.1% retained at five years and second only to the hybrid Toyota Sienna among minivans, keeps total-loss and trade-in settlements high and the actuarial loss exposure favorable. The safety and ADAS section below covers the specific claim-frequency research behind each Honda Sensing feature.
NHTSA rates the 2026 Honda Odyssey 5 stars overall: frontal crash 5 stars (5 driver, 5 passenger), side barrier 5 stars, side pole 5 stars, and rollover 4 stars at a 13.6% rollover probability with a No Tip dynamic result (NHTSA 2026 Odyssey PV FWD, VehicleId 20893). This is a 2026 model year result, not the 2024 rating carried forward. The 4-star rollover score is the only result below 5 stars. The 2026 Odyssey is not a 2026 IIHS Top Safety Pick or Top Safety Pick+. It rates Good in small overlap front (driver and passenger) and Good in the updated side test, but Poor in the updated moderate overlap front test, where a rear-passenger head and neck injury measure disqualifies it from any award. Headlights and pedestrian front crash prevention rate Acceptable (IIHS 2026 Honda Odyssey ratings). The Poor result is a crashworthiness finding for rear occupants, not a gap in the crash-avoidance equipment that drives insurance claim frequency.
Despite the absent award, the Odyssey's insurance cost advantage is driven by its segment and its ADAS coverage breadth. Honda Sensing bundles its full active-safety suite standard on every trim. For a detailed look at how safety technology translates to discounts across all vehicle types, see How car safety features affect your insurance.
Honda's Collision Mitigation Braking System uses a forward-facing radar and camera to detect a slowing or stopped vehicle, or a pedestrian, in the Odyssey's path. It warns the driver and, if the driver does not react, applies the brakes automatically to avoid or soften the impact. This addresses front-to-rear (rear-end) collisions, the single most common crash type in insurer claim data, plus some pedestrian strikes.
The research is the strongest of any ADAS feature, on two measures that are worth keeping apart because they count different things. On insurance claims, HLDI's cross-manufacturer study of ten automakers, Honda among them, attributes to front automatic emergency braking a 14.4% reduction in property-damage-liability claim frequency, a 3.0% reduction in collision claim frequency, and a 23.6% reduction in bodily-injury-liability claim frequency. Separately, counting crashes rather than claims, IIHS found automatic emergency braking associated with a 50% reduction in the rate of police-reported rear-end crashes and a 56% reduction in the rate of rear-end crashes causing injuries (IIHS, 2016). This is the most claim-relevant ADAS feature on the vehicle, and it is standard on all four 2026 Odyssey trims via Honda Sensing.
Rear-corner radar sensors monitor the adjacent lanes on both sides of the Odyssey and illuminate an icon in the side mirror when a vehicle is detected in the blind spot; the same hardware watches for cross traffic when the driver is backing out of a parking space. The system targets lane-change and merge sideswipes plus low-speed back-up collisions, two claim types common in family-vehicle use.
Here too the two measures differ. On insurance claims, HLDI's cross-manufacturer study puts blind spot warning at a 7.1% reduction in property-damage-liability claim frequency, 2.1% in collision claim frequency and 8.2% in bodily-injury-liability claim frequency, so its strongest effect is on the coverages that pay other people rather than on the policyholder's own collision claims. One honest caveat belongs here: that study records a property-damage-liability reduction for every manufacturer it examined except Honda. Separately, counting crashes, IIHS found blind spot detection associated with a 14% reduction in the rate of lane-change crashes at all severities and a 23% reduction in the rate of lane-change crashes involving injuries, across a six-automaker group that does include Honda (IIHS, 2017). It is standard on all four 2026 Odyssey trims.
Forward Collision Warning uses the same forward radar and camera as the automatic emergency braking system but issues only an alert, prompting the driver to brake. It addresses front-to-rear collisions in cases where an alerted driver can still react in time. On the Odyssey it is bundled with automatic emergency braking through Honda Sensing.
IIHS found that forward collision warning alone, without automatic braking, reduces rear-end crashes by about 23%, with a smaller (about 6%) and not statistically significant effect on injury crashes (IIHS, 2016). Because warning-only systems show a weaker claim benefit than intervening ones, it is listed separately here for honesty. On the Odyssey it pairs with automatic emergency braking, so the larger AEB figures are the operative ones. Forward Collision Warning is standard on all four trims.
The base EX-L is the cheapest Odyssey trim to insure. Honda Sensing is standard on every trim, so ADAS coverage is identical across the lineup, and every trim shares the same naturally aspirated V6, so there is no powertrain premium. The only lever moving insurance cost from EX-L to Elite is vehicle value: higher MSRP and pricier equipment such as the Elite's machine-finished 19-inch wheels, rear-seat entertainment hardware, and premium audio raise the repair and replacement costs that feed comprehensive and collision premiums.
The difference is small. Moving up the four-trim ladder from the $42,795 EX-L to the $51,695 Elite typically adds a few dollars a month rather than shifting the vehicle into a different rate class; driver-profile factors move the premium far more than trim choice. Aggregators such as Insurify report a single model-level average and note trim and equipment among the factors that move an individual quote. Per-trim annual dollar figures are not published on approved sources.
| Trim | Typical Cost | Primary Drivers | Verdict |
|---|---|---|---|
| EX-L | Lowest | Lowest MSRP ($42,795); full Honda Sensing standard | Cheapest to insure |
| Sport-L | Low | $1,100 more than EX-L; sport-appearance trim, same suite | Minimal cost difference |
| Touring | Low-mid | $4,700 more than EX-L; navigation, rear entertainment hardware | Higher replacement cost |
| Elite | Highest | Top MSRP ($51,695); 19-inch wheels, premium audio raise repair cost | Most expensive to insure |
Note: Per-trim annual dollar figures are not available on approved sources. Rankings are based on MSRP tiers; all trims share the same V6 powertrain and standard Honda Sensing suite.
The Odyssey sits in the lower tier of an already-cheap segment, but the Toyota Sienna, Kia Carnival, and Chrysler Pacifica offer useful comparisons on ADAS coverage, powertrain, and resale-driven coverage decisions. All three land in the same national minivan insurance range; the differences are in what drives long-term ownership cost. For a broader look at comparing insurance across vehicle choices at purchase time, see Compare car insurance when buying a car.
| Vehicle | Trim | Annual Full Coverage | ADAS Standard | Notes |
|---|---|---|---|---|
| 2026 Honda Odyssey | EX-L | $2,028 (Insurify) | Honda Sensing full suite; BSM; RCTA standard all trims | Gas V6 only; FWD only; strong resale, second only to the Sienna |
| 2026 Toyota Sienna | XLE | $2,352 (CarEdge) | Toyota Safety Sense full suite standard all trims | Standard hybrid; available AWD; both unavailable on Odyssey |
| 2026 Kia Carnival | EX | Not available | Forward collision-avoidance, lane keep, lane follow standard; some features higher trims only | Longer warranty; available hybrid; weaker resale than Odyssey |
| 2026 Chrysler Pacifica | Touring L | $2,031 (CarEdge) | Comparable suite; some assists package-gated on lower trims | Available plug-in hybrid and AWD; weaker resale than Odyssey |
CarEdge prices Sienna insurance at $2,352 a year against $2,241 for the Odyssey, so the Odyssey is modestly the cheaper of the two on that publisher's figures. Both are single published averages from the same publisher, which is why they can be set beside each other. On ADAS the two are near parity: Toyota Safety Sense is standard across the Sienna lineup with automatic emergency braking, adaptive cruise, and lane departure alert with steering assist, comparable to the Odyssey's standard Honda Sensing. The Sienna's distinguishing traits are a standard hybrid powertrain and available all-wheel drive, neither offered on the Odyssey, and the Sienna also holds its value better: iSeeCars puts the Sienna at about 74.6% retained after five years against 62.1% for the Odyssey. The Odyssey still resells well by segment standards, ahead of the Kia Carnival and Chrysler Pacifica, which keeps total-loss and trade-in settlements reasonably high and comprehensive and collision coverage worthwhile longer, but the Sienna is the stronger resale performer of the two.
No model-level insurance figure for the Carnival could be verified at an approved source, so this comparison is made on equipment, warranty and resale rather than on a dollar amount. Kia's standard driver-assistance package (forward collision-avoidance assist, lane keeping assist, lane following assist) is broadly comparable to Honda Sensing on like-for-like trims, though some advanced features such as blind-spot view monitor and highway driving assist are reserved for higher Carnival trims; on the Odyssey, blind-spot monitoring is standard on every trim. The Carnival offers an available hybrid and a longer warranty (5-year/60k basic, 10-year/100k powertrain) versus Honda's 3-year/36k and 5-year/60k. The Odyssey holds value better, supporting total-loss settlements and the long-term case for full coverage.
The Pacifica is the cheaper of the two to insure, not the dearer: CarEdge puts it at $2,031 a year against $2,241 for the Odyssey, a difference of about $210 on that publisher's own figures. It offers a comparable suite of driver-assistance features, but some, such as adaptive cruise and advanced parking, are tied to optional packages on lower trims rather than standard across the line as Honda Sensing is on the Odyssey. The Pacifica's distinguishing feature is an available plug-in hybrid with electric-only range, plus available all-wheel drive, neither offered on the front-wheel-drive-only Odyssey. The Odyssey's much stronger resale value reduces depreciation-driven loss and keeps physical-damage coverage worthwhile longer.
Understanding the vehicle's average cost is one part of budgeting; knowing how individual factors shift your specific quote is the other. Here are the key drivers for a 2026 Odyssey buyer.
Any lender or lessor on a 2026 Odyssey loan or lease requires comprehensive and collision coverage for the full term. You cannot drop to a liability-only policy while a lien exists on the vehicle. For more on what your lender specifically requires, see What insurance your car loan requires.
Buyers who finance or lease with a small down payment may owe more than the depreciated value early in the term; GAP coverage pays that difference if the vehicle is totaled. The Odyssey's strong resale value lowers that exposure relative to most other minivans, but a low-down-payment loan on a $47,000-plus Touring or Elite can still leave a buyer upside down in the first year or two. Polly does not sell GAP; buyers should compare lender-provided, dealer-finance-office, and carrier-offered GAP options based on their specific loan-to-value ratio. For an educational overview of how GAP works, see GAP insurance: what it is and when you need it.
The vehicle's average cost is a starting point. Driver age, garaging location and state, driving record, credit-based insurance score (where state law permits), annual mileage, and chosen limits and deductibles all move premiums significantly. The same Odyssey can range from roughly $100 per month on a favorable profile to well over $220 per month on a higher-risk one, a far wider swing than any difference between trims.
Three model-specific factors shape Odyssey rates. First, segment: as a minivan it is in the cheapest vehicle segment to insure, below sedans and SUVs. Second, repair cost: the standard ADAS sensors and cameras make post-collision repairs (sensor recalibration, multi-panel work) costlier than a small car, which moderates the segment advantage at the upper trims. Third, crash performance: NHTSA rates the 2026 Odyssey 5 stars overall, but the 2026 IIHS results carry no Top Safety Pick award because the updated moderate overlap front test returned Poor for rear-passenger protection. That is a crashworthiness result, not a crash-avoidance gap, and the standard Honda Sensing suite still supports favorable physical-damage and liability rating.
Used versions of the Odyssey insure for significantly less than new, since comprehensive and collision premiums are based on current market value rather than original MSRP.
The 2026 Odyssey lineup is unusually simple from an insurance standpoint: all four trims (EX-L, Sport-L, Touring, Elite) share the same 280-hp 3.5-liter V6, 10-speed automatic, and front-wheel drive. There is no powertrain split, so the gas-versus-hybrid or turbo-versus-base premium that drives cost differences in other lineups simply does not exist here. The only insurance lever across trims is replacement value, which climbs from the $42,795 EX-L to the $51,695 Elite.
ADAS coverage does not step up across trims either. Honda Sensing, the full active-safety bundle including automatic emergency braking, adaptive cruise, lane keeping assist, road departure mitigation, blind-spot monitoring, and rear cross-traffic monitor, is standard on every trim including the base EX-L. This is the most insurance-relevant fact about the lineup: a base-trim Odyssey buyer gets the same crash-avoidance suite, and therefore the same claim-frequency benefit, as an Elite buyer. The trim-only features that step up, such as CabinWatch and CabinTalk rear-seat monitoring on Touring and Elite, are convenience and driver-attention aids, not crash-avoidance systems with documented claim-frequency effects.
The practical insurance takeaway is that stepping up trims buys equipment, not safety, and that equipment raises comprehensive and collision repair cost modestly. The Elite's machine-finished 19-inch wheels, premium audio, and ventilated seats add the most replacement-cost exposure and put it at the top of the lineup for both MSRP and annual premium. The Odyssey tows up to 3,500 lbs when properly equipped, which is competitive for the segment but not a material insurance factor.
| Trim | MSRP | Drivetrain | Key ADAS | Notable Features | Notes |
|---|---|---|---|---|---|
| EX-L | $42,795 | FWD | Honda Sensing full suite + BSM + RCTA (S) | Leather-trimmed seats, power liftgate, 9-inch touchscreen, Magic Slide second row | Base; lowest insurance cost |
| Sport-L | $43,895 | FWD | Honda Sensing full suite + BSM + RCTA (S) | Sport-appearance exterior styling, unique wheels | Minimal cost difference vs. EX-L |
| Touring | $47,495 | FWD | Honda Sensing full suite + BSM + RCTA (S) | Navigation, rear-seat entertainment, CabinWatch and CabinTalk | Higher replacement cost |
| Elite | $51,695 | FWD | Honda Sensing full suite + BSM + RCTA (S) | Machine-finished 19-inch wheels, rain-sensing wipers, hands-free liftgate, ventilated front seats, premium audio | Top trim; highest insurance cost |
Trim page links are placeholders; trim pages are deferred to post-MVP. Rear AEB (reverse automatic braking) is not listed standard on approved sources for any 2026 Odyssey trim. Towing: up to 3,500 lbs properly equipped.
The 2026 Odyssey depreciates about 37.9% over five years, retaining roughly 62.1% of its value, versus a minivan segment average near 46.3% depreciation, according to iSeeCars. It holds value better than the Kia Carnival and Chrysler Pacifica, though not as well as the hybrid Toyota Sienna, which leads the segment at about 74.6% retained. Strong resale value has a direct insurance implication: the longer a vehicle holds value close to its purchase price, the longer it makes financial sense to carry full comprehensive and collision coverage rather than dropping limits as the vehicle ages, because total-loss and trade-in settlements stay high.
The 2026 Odyssey uses Honda's Maintenance Minder condition-based oil-life monitoring system, which adjusts oil change intervals based on actual driving conditions rather than a fixed mileage interval. Honda also includes scheduled maintenance for the first 2 years or 24,000 miles, and the gas V6 carries no hybrid or EV battery service considerations. These factors contribute to predictable total cost of ownership alongside the Odyssey's favorable insurance position (Kelley Blue Book).
Ready to configure a 2026 Odyssey or check dealer inventory? Honda's model page lets you build and price by trim, see available color and option packages, and find local inventory.
Build and price a 2026 Honda Odyssey at Honda Compare insurance quotes at Polly