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2005 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 2005 Dodge Grand Caravan are $924 a year including full coverage. Comprehensive insurance costs approximately $148, collision insurance costs $150, and liability coverage costs around $468. Buying a liability-only policy costs as low as $518 a year, and high-risk insurance costs $1,978 or more. Teenage drivers receive the highest rates at up to $3,776 a year.

Annual premium for full coverage: $924

Rate estimates for 2005 Dodge Grand Caravan Insurance

Comprehensive $148
Collision $150
Liability $468

Rate data is compiled from all 50 U.S. states and averaged for all 2005 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 driver in their 40's, prices range range from as low as $518 for basic liability insurance to a much higher rate of $1,978 for a driver who has had serious violations or accidents.

Liability Only $518
Full Coverage $924
High Risk $1,978

View Chart as Image

2005 Dodge Grand Caravan insurance rates compared
Column chart showing 2005 Dodge Grand Caravan insurance prices range from $574 to $3,776 for full coverage

These differences highlight why anyone shopping for car insurance should compare prices using their specific location 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 2005 Dodge Grand Caravan Insurance

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Want better car insurance rates for your Dodge Grand Caravan? Having to pay for overpriced Dodge Grand Caravan insurance can empty your checking account and force you to prioritize other expenses. Shopping your coverage around is a great way to slash your bill and have more diposable income.

Multiple car insurance companies compete for your business, and because of this it can be hard to compare insurance companies to find the cheapest price

It’s smart to compare rates yearly since insurance rates are rarely the same from one policy term to another. Even if you got the lowest price on Grand Caravan coverage a few years ago other companies may now be cheaper. Forget all the misinformation about car insurance because we’re going to demonstrate the best methods to buy cheaper car insurance.

If you currently have car insurance, you should be able to reduce your rates substantially using these methods. Choosing the best insurance company for you is easy if you know what you’re doing. But drivers benefit from understanding how big insurance companies sell insurance online.

Discounts can save BIG

Insurance can cost an arm and a leg, but you may find discounts to help offset the cost. Some trigger automatically at the time of quoting, but lesser-known reductions have to be manually applied before being credited.

  • New Car Discount – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class in high school.
  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Distant Student – Children who are attending college and don’t have a car may be able to be covered for less.
  • Military Rewards – Having a deployed family member could be rewarded with lower premiums.
  • Use Seat Belts – Requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • Safety Course Discount – Successfully completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.

Keep in mind that many deductions do not apply to the overall cost of the policy. Some only apply to specific coverage prices like comp or med pay. So despite the fact that it appears you could get a free insurance coverage policy, companies wouldn’t make money that way. But any discount will reduce the cost of coverage.

To see a list of companies with discount insurance coverage rates, follow this link.

Will just any policy work for me?

When choosing the right insurance coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions can help discover whether you may require specific advice.

  • Is my 2005 Dodge Grand Caravan covered for smoke damage?
  • Can I afford to pay high deductible claims out of pocket?
  • What can I do if my company won’t pay a claim?
  • Does medical payments coverage apply to all occupants?
  • How do I buy GAP insurance?
  • How much can I save by bundling my policies?
  • What discounts do I qualify for?
  • Should I carry comprehensive and collision coverage?
  • When should I remove comp and collision on my 2005 Dodge Grand Caravan?
  • When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Free Auto Insurance Comparison

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

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Drivers who switch save $395 a year? Really?

Companies like Progressive, Allstate and GEICO consistently run ads on TV and radio. All the ads have a common claim that you can save if you change to their company. How does each company make almost identical claims? It’s all in the numbers.

All companies are able to cherry pick for the right customer they prefer to insure. For example, a profitable customer might be profiled as over the age of 50, has no driving citations, and drives less than 10,000 miles a year. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who fall outside the “perfect” profile will have to pay a higher premium which usually ends up with business going elsewhere. The ad wording is “drivers who switch” not “everybody who quotes” save that much money. This is how companies can truthfully claim big savings.

Because of the profiling, it is so important to quote coverage with many companies. It is impossible to predict which insurance company will provide you with the cheapest Dodge Grand Caravan insurance rates.

What insurance coverages do you need?

Learning about specific coverages of your policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages offered by insurance companies.

Comprehensive protection – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hail damage, theft, a broken windshield and vandalism. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision – This coverage will pay to fix damage to your Grand Caravan resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, backing into a parked car, sideswiping another vehicle, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Dodge Grand Caravan.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually these limits do not exceed the liability coverage limits.

Auto liability – Liability insurance protects you from injuries or damage you cause to people or other property. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as repair bills for other people’s vehicles, loss of income, attorney fees, legal defense fees and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense coverage – Med pay and PIP coverage kick in for bills such as ambulance fees, pain medications and surgery. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Pennies from heaven

As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. Too many times, consumers will sacrifice collision coverage and found out when filing a claim that it was a big mistake. Your strategy should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

You just learned a lot of information how to reduce 2005 Dodge Grand Caravan insurance prices online. It’s most important to understand that the more times you quote, the better likelihood of reducing your rate. Consumers may even find the best prices are with a small mutual company. Some small companies may often insure only within specific states and give getter rates than their larger competitors like GEICO and State Farm.

Low-cost insurance is definitely available online in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some companies do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

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Rates by U.S. City

2005 Dodge Grand Caravan Insurance Rates by City
City Premium
New York City, NY $1,464
Los Angeles, CA $1,578
Philadelphia, PA $1,235
Jacksonville, FL $1,341
Phoenix, AZ $1,072
Chicago, IL $1,242
Houston, TX $1,448
Seattle, WA $902
Columbus, OH $774
Indianapolis, IN $786

Need a specific model?

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Rates by Driver Age

2005 Dodge Grand Caravan Insurance Rates by Driver Age
Driver Age Premium
16 $3,776
20 $2,096
30 $934
40 $924
50 $848
60 $830

Full coverage, $500 deductibles

Rates by Deductible

2005 Dodge Grand Caravan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,050
$250 $994
$500 $924
$1,000 $854

Full coverage, driver age 40

Rates by Liability Limit

Dodge Grand Caravan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $924
50/100 $1,018
100/300 $1,135
250/500 $1,439
100 CSL $1,064
300 CSL $1,322
500 CSL $1,509

Full coverage, driver age 40

Rates for High Risk Drivers

2005 Dodge Grand Caravan Insurance Rates for High Risk Drivers
Age Premium
16 $5,294
20 $3,338
30 $1,986
40 $1,978
50 $1,890
60 $1,870

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 $120

Potential Rate Discounts

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

Discount Savings
Multi-policy $46
Multi-vehicle $49
Homeowner $17
5-yr Accident Free $52
5-yr Claim Free $57
Paid in Full/EFT $30
Advance Quote $38
Online Quote $61
Total Discounts $350
Rate after discounts $574

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

Find companies with the cheapest rates in your area

2005 Dodge Grand Caravan Insurance Rates by State
State Premium
Alabama $838
Alaska $710
Arizona $766
Arkansas $924
California $1,052
Colorado $884
Connecticut $952
Delaware $1,048
Florida $1,156
Georgia $852
Hawaii $664
Idaho $626
Illinois $690
Indiana $696
Iowa $622
Kansas $880
Kentucky $1,262
Louisiana $1,370
Maine $572
Maryland $762
Massachusetts $740
Michigan $1,608
Minnesota $774
Mississippi $1,110
Missouri $820
Montana $994
Nebraska $730
Nevada $1,110
New Hampshire $666
New Jersey $1,034
New Mexico $820
New York $976
North Carolina $534
North Dakota $758
Ohio $640
Oklahoma $950
Oregon $846
Pennsylvania $882
Rhode Island $1,236
South Carolina $838
South Dakota $780
Tennessee $810
Texas $1,114
Utah $684
Vermont $634
Virginia $554
Washington $716
West Virginia $848
Wisconsin $640
Wyoming $826

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