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1991 Dodge Grand Caravan Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 2, 2020

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Average insurance rates for a 1991 Dodge Grand Caravan are $852 a year for full coverage. Comprehensive costs an estimated $126 a year, collision costs $126, and liability insurance costs around $442. Buying a liability-only policy costs as low as $496 a year, with high-risk insurance costing around $1,822. Teen drivers receive the highest rates at $3,526 a year or more.

Annual premium for full coverage: $852

Rate estimates for 1991 Dodge Grand Caravan Insurance

Comprehensive $126
Collision $126
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1991 Dodge Grand Caravan models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $496 for just liability insurance to a high of $1,822 for high-risk insurance.

Liability Only $496
Full Coverage $852
High Risk $1,822

View Chart as Image

1991 Dodge Grand Caravan insurance rates compared
Column chart showing 1991 Dodge Grand Caravan insurance prices range from $532 to $3,526 for full coverage

These differences show why it is important for drivers to compare prices for a targeted area and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 1991 Dodge Grand Caravan Insurance

Searching Companies

Trying to find better insurance coverage rates for your Dodge Grand Caravan? Searching for the lowest cost insurance coverage on the internet can seem to be intimidating for beginners to buying insurance on the web. With dozens of insurers available, how can anyone possibly compare them all to find the lowest price available?

It’s smart to get comparison quotes yearly due to the fact that insurance rates change regularly. If you had the lowest rates on Grand Caravan insurance six months ago you will most likely find a better rate today. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the only way to find great coverage at a great price.

Discounts are great for lower rates

Companies that sell car insurance don’t list every available discount very clearly, so the following is a list of both well-publicized as well as the least known savings tricks you should be using.

  • Government Employees – Simply working for the federal government could cut as much as 10% off on Grand Caravan insurance depending on your company.
  • No Claims – Drivers who don’t have accidents pay much less when compared with drivers who are more careless.
  • New Car Discount – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Club Memberships – Participating in a qualifying organization could trigger savings on car insurance on Grand Caravan insurance.
  • Senior Discount – If you’re over the age of 55, you may receive a small decrease in premiums on Grand Caravan insurance.
  • Paperless Signup – Certain companies will give a small break just for signing your application over the internet.

Keep in mind that many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way.

Car insurance companies that possibly offer these money-saving discounts may include but are not limited to:

Double check with every prospective company how you can save money. All car insurance discounts might not apply in every state.

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You may need specialized coverage

When it comes to choosing coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique.

These are some specific questions might help in determining if your situation might need an agent’s assistance.

  • Is my camper covered by my car insurance policy?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my custom paint covered by insurance?
  • Does my car insurance cover rental cars?
  • Why am I required to buy high-risk coverage?
  • Am I covered when delivering products for my home-based business?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Insurance policy specifics

Having a good grasp of your policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

UM/UIM Coverage – This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Dodge Grand Caravan.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from flooding, damage from a tornado or hurricane, rock chips in glass, falling objects and hitting a bird. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability auto insurance – Liability insurance can cover damages or injuries you inflict on other’s property or people. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for things such as medical services, legal defense fees, repair bills for other people’s vehicles, pain and suffering and structural damage. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Collision coverages – This coverage pays for damage to your Grand Caravan caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, rolling your car and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for doctor visits, nursing services, EMT expenses and hospital visits. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Feed the piggy bank

Cheap 1991 Dodge Grand Caravan insurance is available from both online companies as well as from independent agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

Drivers leave their current company for a number of reasons such as high rates after DUI convictions, extreme rates for teen drivers, policy cancellation or an unsatisfactory settlement offer. No matter why you want to switch, finding a new company is not as hard as you think.

We just showed you a lot of techniques to get a better price on insurance. The most important thing to understand is the more you quote, the higher the chance of saving money. You may even find the lowest rates come from a company that doesn’t do a lot of advertising.

To learn more, link through to the articles below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1991 Dodge Grand Caravan Insurance Rates by City
City Premium
New York City, NY $1,350
Los Angeles, CA $1,458
Philadelphia, PA $1,140
Jacksonville, FL $1,239
Phoenix, AZ $991
Chicago, IL $1,145
Houston, TX $1,336
Seattle, WA $834
Columbus, OH $714
Indianapolis, IN $725

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1991 Dodge Grand Caravan Insurance Rates by Driver Age
Driver Age Premium
16 $3,526
20 $1,940
30 $860
40 $852
50 $784
60 $766

Full coverage, $500 deductibles

Rates by Deductible

1991 Dodge Grand Caravan Insurance Rates with Different Deductibles
Deductible Premium
$100 $960
$250 $912
$500 $852
$1,000 $794

Full coverage, driver age 40

Rates by Liability Limit

Dodge Grand Caravan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $852
50/100 $940
100/300 $1,051
250/500 $1,338
100 CSL $985
300 CSL $1,228
500 CSL $1,405

Full coverage, driver age 40

Rates for High Risk Drivers

1991 Dodge Grand Caravan Insurance Rates for High Risk Drivers
Age Premium
16 $4,934
20 $3,084
30 $1,826
40 $1,822
50 $1,742
60 $1,724

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $110

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $42
Multi-vehicle $45
Homeowner $16
5-yr Accident Free $47
5-yr Claim Free $52
Paid in Full/EFT $27
Advance Quote $35
Online Quote $56
Total Discounts $320
Rate after discounts $532

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

1991 Dodge Grand Caravan Insurance Rates by State
State Premium
Alabama $772
Alaska $654
Arizona $708
Arkansas $852
California $972
Colorado $814
Connecticut $878
Delaware $966
Florida $1,068
Georgia $786
Hawaii $612
Idaho $578
Illinois $636
Indiana $642
Iowa $574
Kansas $812
Kentucky $1,164
Louisiana $1,264
Maine $526
Maryland $704
Massachusetts $684
Michigan $1,482
Minnesota $714
Mississippi $1,022
Missouri $756
Montana $918
Nebraska $674
Nevada $1,022
New Hampshire $614
New Jersey $954
New Mexico $756
New York $900
North Carolina $490
North Dakota $698
Ohio $590
Oklahoma $876
Oregon $782
Pennsylvania $814
Rhode Island $1,138
South Carolina $772
South Dakota $720
Tennessee $748
Texas $1,028
Utah $634
Vermont $584
Virginia $512
Washington $662
West Virginia $782
Wisconsin $590
Wyoming $760

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