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1994 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 1994 Dodge Grand Caravan are $852 a year for full coverage. Comprehensive insurance costs approximately $126, collision insurance costs $126, and liability costs around $442. Buying a liability-only policy costs as low as $496 a year, and high-risk insurance costs $1,822 or more. Teenage drivers receive the highest rates at up to $3,526 a year.

Annual premium for full coverage: $852

Rate estimates for 1994 Dodge Grand Caravan Insurance

Comprehensive $126
Collision $126
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1994 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 the average driver, prices range range from as low as $496 for just liability insurance to a much higher rate of $1,822 for a driver that may need high-risk insurance.

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

View Chart as Image

1994 Dodge Grand Caravan insurance rates compared
Column chart showing 1994 Dodge Grand Caravan insurance prices range from $532 to $3,526 for full coverage

These differences show why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of using average rates.

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 1994 Dodge Grand Caravan Insurance

Searching Companies

Tired of not being able to afford each month for car insurance? You are in the same boat as most other car owners. Because you have many choices of insurance companies, it is very difficult to find the right car insurance company.

Finding affordable coverage is not rocket science. If you have insurance now or need a new policy, you can use these tips to find the best rates and still get good coverage. Vehicle owners just need to learn the proper way to compare rates online.

The quickest method to compare insurance rates from multiple companies takes advantage of the fact auto insurance companies pay for the opportunity to compare their rates. To get started, all you need to do is take a few minutes to give details including your job, marital status, how you use your vehicles, and how old drivers are. Your details gets transmitted to multiple companies and you will get price comparisons with very little delay.

To check rates for your , click here and find out if lower rates are available.

Be sure to get all your discounts

Companies don’t always advertise all their discounts very clearly, so the following is a list of some of the more common and also the lesser-known discounts you could be receiving. If you’re not getting every credit available, you’re just leaving money on the table.

  • Multi-policy Discount – If you have multiple policies with one insurance company you will save 10% to 20% off each policy.
  • College Student – Any of your kids living away from home attending college without a vehicle on campus can receive lower rates.
  • Defensive Driving Course – Completing a course in driver safety can save you 5% or more depending on where you live.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. This discount can apply up to age 25.
  • Air Bag Discount – Vehicles with factory air bags can receive discounts of 20% or more.
  • Save over 55 – If you’re over the age of 55, you may be able to get a small decrease in premiums on Grand Caravan coverage.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

For a list of providers offering insurance coverage discounts, follow this link.

Free Auto Insurance Comparison

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How do I know if I need professional advice?

When it comes to choosing the best car insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that For example, these questions can help discover if your situation would benefit from an agent’s advice.

  • What is high-risk coverage and where do I buy it?
  • Am I insured when driving a different vehicle?
  • Am I missing any policy discounts?
  • Am I covered when driving a rental car?
  • Why am I required to buy liability insurance?
  • Will my rates increase for filing one claim?
  • Does my medical payments coverage pay my health insurance deductible?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Car insurance policy specifics

Knowing the specifics of a car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on most car insurance policies.

Collision coverage – Collision insurance covers damage to your Grand Caravan resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, crashing into a building, scraping a guard rail, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Liability coverage – This will cover damages or injuries you inflict on people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as pain and suffering, emergency aid and repair costs for stationary objects. How much coverage you buy is your choice, but buy as high a limit as you can afford.

UM/UIM Coverage – This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive or Other Than Collision – This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as theft, falling objects and damage from getting keyed. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for expenses like funeral costs, X-ray expenses, pain medications, prosthetic devices and hospital visits. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Save your cold hard cash

When buying insurance coverage, it’s very important that you do not reduce coverage to reduce premium. In many cases, drivers have reduced liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

Budget-conscious 1994 Dodge Grand Caravan insurance is attainable from both online companies in addition to many insurance agents, so you should compare both to get a complete price analysis. Some car insurance companies do not provide online quoting and these small, regional companies work with independent agents.

We just covered some good ideas how to get a better price on insurance. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers could even find that the lowest rates come from a company that doesn’t do a lot of advertising. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

More detailed car insurance information is available in the articles below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1994 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

1994 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

1994 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

1994 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

1994 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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