Toyota Sienna vs Honda Odyssey Insurance Cost
The Honda Odyssey is cheaper to insure by about $310 a year for full coverage by our estimate ($1,590 vs. $1,280), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Toyota Sienna | Honda Odyssey | Difference |
|---|---|---|---|
| State minimum | $610 | $500 | +$110 |
| Standard (100/300/100) | $885 | $725 | +$160 |
| Full coverage | $1,590 | $1,280 | +$310 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Sienna minus Odyssey.
Why one costs more to insure
| Factor | Toyota Sienna | Honda Odyssey |
|---|---|---|
| Segment | Minivan | Minivan |
| Powertrains | Gasoline, Hybrid | Gasoline |
| HLDI collision (100 = avg) | 116 | 80 |
| HLDI comprehensive | 94 | 72 |
| HLDI property damage liability | 99 | 83 |
| HLDI bodily injury liability | 113 | 70 |
| NHTSA overall rating | 5★ | 5★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 5 | 2 |
Collision losses are the biggest swing factor: the Toyota Sienna has 36 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Honda Odyssey.
Sienna vs Odyssey insurance by state
By driver profile (full coverage)
| Driver | Sienna | Odyssey |
|---|---|---|
| Teen driver (18, own policy) | $4,380 | $3,525 |
| Young adult (22) | $2,550 | $2,050 |
| Adult in their 30s | $1,590 | $1,280 |
| Adult in their 50s | $1,465 | $1,180 |
| Senior (72) | $1,785 | $1,435 |
| 30s, one at-fault accident | $2,310 | $1,860 |
| 30s, DUI on record | $2,945 | $2,370 |
More comparisons
Frequently asked questions
Is the Toyota Sienna or the Honda Odyssey cheaper to insure?
By our estimate the Honda Odyssey is cheaper, by about $310 a year for full coverage ($1,590 vs. $1,280) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Toyota Sienna and Honda Odyssey?
Mostly because of insurance-loss history: HLDI collision indices of 116 vs. 80 and comprehensive indices of 94 vs. 72 (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.