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2008 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 1, 2021

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Average insurance rates for a 2008 Dodge Grand Caravan are $1,010 a year for full coverage. Comprehensive insurance costs around $174, collision costs $200, and liability costs $478. Buying a liability-only policy costs as little as $526 a year, with high-risk insurance costing $2,164 or more. Teen drivers receive the highest rates at $4,054 a year or more.

Annual premium for full coverage: $1,010

Rate estimates for 2008 Dodge Grand Caravan Insurance

Comprehensive $174
Collision $200
Liability $478

Rate data is compiled from all 50 U.S. states and averaged for all 2008 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 go from as low as $526 for just liability insurance to the much higher price of $2,164 for a high risk driver.

Liability Only $526
Full Coverage $1,010
High Risk $2,164

View Chart as Image

2008 Dodge Grand Caravan insurance rates compared
Column chart showing 2008 Dodge Grand Caravan insurance prices range from $617 to $4,054 for full coverage

These differences show why everyone should compare rates for a specific zip code and risk profile, instead of making a decision based 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 2008 Dodge Grand Caravan Insurance

Searching Companies

Overpriced Dodge Grand Caravan insurance can empty your bank account and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to reduce premiums and put more money in your pocket. Having so many companies and agents to choose from, it is very difficult to pick the most cost effective company.

Save on Dodge Grand Caravan insurance

Insuring your vehicles can cost a lot, but there could be available discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you get a quote, but some must be specially asked for in order for you to get them. If you aren’t receiving every discount available, you are paying more than you should be.

  • Homeowners Discount – Owning a house can help you save on insurance because owning a home requires personal responsibility.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you may earn approximately 10% to 15%.
  • Save with a New Car – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Accident Forgiveness – Some insurance companies permit an accident without raising rates if your claims history is clear for a set time period.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off on Grand Caravan coverage depending on your company.
  • Defensive Driving Course – Completing a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.

It’s important to note that some credits don’t apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will cut the cost of coverage.

To see a list of insurance companies who offer insurance discounts, click this link.

The quickest method to compare rate quotes is to know most larger insurance companies will pay a fee to provide you with free rate quotes. To begin a comparison, all you need to do is provide a small amount of information including if the car is leased, deductibles desired, how your vehicles are used, and if it has an alarm system. That information is automatically sent to insurance carriers in your area and they respond with quotes with very little delay.

Free Auto Insurance Comparison

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Tailor your coverage to you

When buying the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Can I afford to buy a different vehicle if my 2008 Dodge Grand Caravan is totaled?
  • Do I really need UM/UIM coverage?
  • Why does it cost so much to insure a teen driver?
  • Am I covered by my spouse’s policy after a separation?
  • Do I need motorclub coverage?
  • Why am I required to buy liability insurance?

If you don’t know the answers to these 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, complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Car insurance specifics

Knowing the specifics of car insurance can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages available from car insurance companies.

Collision insurance

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

Collision coverage pays for claims such as scraping a guard rail, sustaining damage from a pot hole, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like surgery, hospital visits, rehabilitation expenses and pain medications. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Comprehensive coverage

This coverage 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 can pay for claims like damage from flooding, damage from a tornado or hurricane, theft and a tree branch falling on your vehicle. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

This provides protection from injuries or damage you cause to other people or property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as attorney fees, emergency aid, bail bonds and medical services. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

A tidy conclusion

When shopping online for car insurance, it’s a bad idea to reduce coverage to reduce premium. In many instances, drivers have reduced liability coverage limits and learned later that it was a big mistake. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.

We covered quite a bit of information on how to get a better price on 2008 Dodge Grand Caravan insurance. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even discover the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.

More information

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2008 Dodge Grand Caravan Insurance Rates by City
City Premium
New York City, NY $1,596
Los Angeles, CA $1,725
Philadelphia, PA $1,352
Jacksonville, FL $1,466
Phoenix, AZ $1,173
Chicago, IL $1,357
Houston, TX $1,586
Seattle, WA $983
Columbus, OH $845
Indianapolis, IN $861

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2008 Dodge Grand Caravan Insurance Rates by Driver Age
Driver Age Premium
16 $4,054
20 $2,294
30 $1,028
40 $1,010
50 $930
60 $908

Full coverage, $500 deductibles

Rates by Deductible

2008 Dodge Grand Caravan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,170
$250 $1,098
$500 $1,010
$1,000 $924

Full coverage, driver age 40

Rates by Liability Limit

Dodge Grand Caravan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,010
50/100 $1,106
100/300 $1,225
250/500 $1,536
100 CSL $1,153
300 CSL $1,416
500 CSL $1,608

Full coverage, driver age 40

Rates for High Risk Drivers

2008 Dodge Grand Caravan Insurance Rates for High Risk Drivers
Age Premium
16 $5,708
20 $3,656
30 $2,182
40 $2,164
50 $2,072
60 $2,048

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 $133

Potential Rate Discounts

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

Discount Savings
Multi-policy $51
Multi-vehicle $54
Homeowner $18
5-yr Accident Free $60
5-yr Claim Free $63
Paid in Full/EFT $36
Advance Quote $43
Online Quote $68
Total Discounts $393
Rate after discounts $617

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

Find companies with the cheapest rates in your area

2008 Dodge Grand Caravan Insurance Rates by State
State Premium
Alabama $916
Alaska $776
Arizona $838
Arkansas $1,010
California $1,150
Colorado $966
Connecticut $1,040
Delaware $1,144
Florida $1,264
Georgia $932
Hawaii $726
Idaho $684
Illinois $754
Indiana $762
Iowa $682
Kansas $962
Kentucky $1,380
Louisiana $1,494
Maine $624
Maryland $834
Massachusetts $810
Michigan $1,756
Minnesota $846
Mississippi $1,210
Missouri $896
Montana $1,088
Nebraska $798
Nevada $1,210
New Hampshire $728
New Jersey $1,130
New Mexico $894
New York $1,064
North Carolina $582
North Dakota $826
Ohio $698
Oklahoma $1,038
Oregon $926
Pennsylvania $966
Rhode Island $1,348
South Carolina $916
South Dakota $854
Tennessee $886
Texas $1,220
Utah $748
Vermont $692
Virginia $604
Washington $780
West Virginia $926
Wisconsin $698
Wyoming $902

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