Estimates, not quotes

Honda Odyssey vs Chrysler Pacifica Insurance Cost

The Honda Odyssey is cheaper to insure by about $95 a year for full coverage by our estimate ($1,280 vs. $1,375), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageHonda OdysseyChrysler PacificaDifference
State minimum$500$545−$45
Standard (100/300/100)$725$790−$65
Full coverage$1,280$1,375−$95

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Odyssey minus Pacifica.

Why one costs more to insure

FactorHonda OdysseyChrysler Pacifica
SegmentMinivanMinivan
PowertrainsGasolineGasoline, Plug-in hybrid
HLDI collision (100 = avg)8077
HLDI comprehensive7293
HLDI property damage liability8384
HLDI bodily injury liability7093
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)211

Collision losses are the biggest swing factor: the Honda Odyssey has 3 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Honda Odyssey.

Odyssey vs Pacifica insurance by state

StateOdysseyPacificaDifference
Alabama$1,115$1,195−$80
Alaska$1,125$1,200−$75
Arizona$1,340$1,450−$110
Arkansas$1,130$1,215−$85
California$1,260$1,330−$70
Colorado$1,450$1,585−$135
Connecticut$1,365$1,455−$90
Delaware$1,430$1,535−$105
District of Columbia$1,615$1,725−$110
Florida$1,830$1,970−$140
Georgia$1,585$1,705−$120
Hawaii$885$935−$50
Idaho$870$935−$65
Illinois$1,110$1,190−$80
Indiana$910$980−$70
Iowa$865$950−$85
Kansas$1,020$1,115−$95
Kentucky$1,080$1,160−$80
Louisiana$1,770$1,910−$140
Maine$815$875−$60
Maryland$1,440$1,540−$100
Massachusetts$1,260$1,340−$80
Michigan$1,395$1,490−$95
Minnesota$1,065$1,160−$95
Mississippi$1,225$1,325−$100
Missouri$1,160$1,260−$100
Montana$1,020$1,115−$95
Nebraska$1,025$1,115−$90
Nevada$1,475$1,575−$100
New Hampshire$915$975−$60
New Jersey$1,545$1,655−$110
New Mexico$1,150$1,240−$90
New York$1,720$1,845−$125
North Carolina$955$1,020−$65
North Dakota$820$895−$75
Ohio$915$980−$65
Oklahoma$1,150$1,250−$100
Oregon$1,150$1,235−$85
Pennsylvania$1,120$1,200−$80
Rhode Island$1,550$1,655−$105
South Carolina$1,370$1,480−$110
South Dakota$975$1,085−$110
Tennessee$1,065$1,140−$75
Texas$1,515$1,645−$130
Utah$1,165$1,250−$85
Vermont$835$890−$55
Virginia$1,100$1,185−$85
Washington$1,115$1,195−$80
West Virginia$1,070$1,155−$85
Wisconsin$875$950−$75
Wyoming$995$1,100−$105

By driver profile (full coverage)

DriverOdysseyPacifica
Teen driver (18, own policy)$3,525$3,785
Young adult (22)$2,050$2,205
Adult in their 30s$1,280$1,375
Adult in their 50s$1,180$1,265
Senior (72)$1,435$1,540
30s, one at-fault accident$1,860$1,995
30s, DUI on record$2,370$2,545

More comparisons

Frequently asked questions

Is the Honda Odyssey or the Chrysler Pacifica cheaper to insure?

By our estimate the Honda Odyssey is cheaper, by about $95 a year for full coverage ($1,280 vs. $1,375) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Honda Odyssey and Chrysler Pacifica?

Mostly because of insurance-loss history: HLDI collision indices of 80 vs. 77 and comprehensive indices of 72 vs. 93 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page