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1995 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: Dec 8, 2021

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Average insurance rates for a 1995 Dodge Grand Caravan are $852 a year including full coverage. Comprehensive insurance costs around $126 a year, collision insurance costs $126, and liability coverage 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 1995 Dodge Grand Caravan Insurance

Comprehensive $126
Collision $126
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1995 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 middle-aged driver, prices range range from as low as $496 for only liability insurance to a high of $1,822 for a high risk driver.

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

View Chart as Image

1995 Dodge Grand Caravan insurance rates compared
Column chart showing 1995 Dodge Grand Caravan insurance prices range from $532 to $3,526 for full coverage

These differences highlight why it is important for drivers to compare prices for a specific zip code and risk profile, rather than 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 1995 Dodge Grand Caravan Insurance

Searching Companies

Looking for cheaper auto insurance rates for your Dodge Grand Caravan? Consumers who are new to the process of comparing insurance rates online may find purchasing cut-rate auto insurance is more work than they anticipated.

Choosing the best insurance company for you is not that difficult. In a nutshell, anyone who is required by state law to have insurance coverage should be able to find lower rates. Nevertheless, drivers need to have an understanding of how the larger insurance companies sell online because it can help you find the best coverage.

Compare Quotes for Car Insurance

Comparing car insurance rates can be challenging if you aren’t aware of the most efficient way to do it. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you can utilize the web to maximize your effort.

Most car insurance companies participate in an industry program that enables customers to enter their coverage request one time, and every company then gives them pricing based on the submitted data. This saves time by eliminating form submissions to each individual car insurance company.

To use this form to compare 1995 Dodge Grand Caravan insurance rates click here to open in new window.

The only drawback to getting quotes like this is you can’t choose the insurers to get quotes from. If you would rather choose individual companies to request quotes from, we have a page of companies who write car insurance in your area. View list of insurance companies.

Which method you use is up to you, but ensure you’re using identical coverage limits on every quote. If you use unequal deductibles or liability limits it will be very difficult to make an equal comparison. Slightly different limits could mean much higher rates. And when comparison shopping, obtaining a wide range of quotes will enable you to find a better price.

Lots of discounts mean lots of savings

Companies don’t always list all available discounts very clearly, so here is a list both the well known as well as the least known savings tricks you should be using.

  • Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Organization Discounts – Being a member of a professional or civic organization may earn a discount when buying insurance coverage on Grand Caravan coverage.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% on Grand Caravan coverage with select insurance companies.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Lower Rates for Military – Having a family member in the military could mean lower rates.
  • Driver Safety – Completing a driver safety course could possibly earn you a 5% discount depending on where you live.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Most only reduce individual premiums such as comp or med pay. Even though it may seem like adding up those discounts means a free policy, you’re out of luck.

A partial list of companies that may offer these discounts are:

  • Travelers
  • 21st Century
  • State Farm
  • GEICO
  • SAFECO
  • AAA

Double check with each insurance company which discounts you may be entitled to. Savings might not be offered in every state.

Free Auto Insurance Comparison

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Situations that might require an agent

When choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions may help you determine whether you might need an agent’s assistance.

  • Should I carry comprehensive and collision coverage?
  • Am I covered by my spouse’s policy after a separation?
  • What is an SR-22 filing?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is there coverage for injuries to my pets?
  • Are my tools covered if they get stolen from my vehicle?
  • Will filing a claim cost me more?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Car insurance coverage information

Knowing the specifics of your policy aids in choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be confusing and coverage can change by endorsement.

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hail damage, vandalism and falling objects. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” 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 only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Collision protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like hitting a mailbox, scraping a guard rail, rolling your car, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Liability coverages

This protects you from damage or injury you incur to a person or their 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. Your policy might show liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like repair costs for stationary objects, bail bonds, pain and suffering and court costs. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for chiropractic care, ambulance fees, hospital visits, dental work and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Shop smart and save

When buying insurance coverage, never skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped liability coverage limits only to regret that they should have had better coverage. The proper strategy is to get the best coverage possible at an affordable rate.

We just covered many ways to shop for 1995 Dodge Grand Caravan insurance online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest premiums are with a company that doesn’t do a lot of advertising.

Low-cost insurance can be found on the web in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

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Rates by U.S. City

1995 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

1995 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

1995 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

1995 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

1995 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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