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2011 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 2, 2021

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Average insurance rates for a 2011 Dodge Grand Caravan are $1,074 a year including full coverage. Comprehensive costs approximately $198 a year, collision insurance costs $254, and liability coverage costs around $464. Buying a liability-only policy costs as low as $514 a year, and high-risk insurance costs around $2,308. Teen drivers receive the highest rates at up to $4,242 a year.

Annual premium for full coverage: $1,074

Rate estimates for 2011 Dodge Grand Caravan Insurance

Comprehensive $198
Collision $254
Liability $464

Rate data is compiled from all 50 U.S. states and averaged for all 2011 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 $514 for the bare minimum liability coverage to a high of $2,308 for a driver that may need high-risk insurance.

Liability Only $514
Full Coverage $1,074
High Risk $2,308

View Chart as Image

2011 Dodge Grand Caravan insurance rates compared
Column chart showing 2011 Dodge Grand Caravan insurance prices range from $650 to $4,242 for full coverage

These differences highlight why it is important for drivers to compare prices using their specific location and risk profile, rather than using 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 2011 Dodge Grand Caravan Insurance

Searching Companies

Want cheaper insurance rates for your Dodge Grand Caravan? Nobody I know looks forward to paying for insurance, in particular when the price is too high. With so many companies to choose from, it’s nearly impossible to choose the right insurance company.

Dodge Grand Caravan insurance rates can be determined by these details

It’s important that you understand the different types of things that help determine the price you pay for insurance coverage. Having a good understanding of what determines base rates allows you to make educated decisions that will entitle you to better insurance coverage rates.

The following are some of the factors companies use to determine prices.

  • Drive a safer car and pay less – Safer cars get lower rates. The safest vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If the Dodge Grand Caravan has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Keep rates low by being claim-free – If you file claims often, you can expect either higher rates or even cancellation. Companies generally give cheaper rates to policyholders who do not rely on their insurance for small claims. Car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Increase deductibles and save – The deductibles represent how much money you are required to spend before a claim is paid by your company. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered are colliding with a building, damage caused by hail, and rolling your vehicle. The higher the amount the insured has to pay upfront, the less your insurance coverage will be for Grand Caravan coverage.
  • Theft deterrents lower rates – Purchasing a vehicle with a theft deterrent system can save you a little every year. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
  • Where do you drive? – The higher the mileage driven in a year the more you will pay for insurance coverage. Most companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks that are left in the garage qualify for better rates than those used for commuting. If your policy improperly rates your Grand Caravan can cost quite a bit. Verify your insurance coverage declarations sheet is showing the correct usage for each vehicle.
  • Pay less if you’re married – Being married can get you a discount on insurance coverage. Having a spouse usually means you are more mature and it’s statistically proven that being married results in fewer claims.

Insurance Coverage Prices

Lowering your 2011 Dodge Grand Caravan insurance coverage rates is actually quite simple. All that’s required is to take time to get quotes from different insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. The easiest and least time consuming way to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This type of form prevents you from having to do multiple quote forms for every insurance coverage company. In just a few minutes this one form will get you rate comparisons from several companies.
  2. Another way to get quotes online is to manually visit the website for each individual company and fill out their own quote form. For sake of this example, we’ll pretend you want to compare rates from State Farm, Safeco and Travelers. You would have to take the time to go to each site to input your insurance information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

It’s up to you which method you use, but ensure you’re using exactly the same coverage information with each company. If you compare higher or lower deductibles it will be impossible to determine the best price for your Dodge Grand Caravan.

Take advantage of discounts

Insurance can be prohibitively expensive, but there could be available discounts that you may not know about. Some trigger automatically when you purchase, but some may not be applied and must be asked for prior to getting the savings. If you aren’t receiving every discount possible, you are throwing money away.

  • Distant Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in school.
  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount for Grand Caravan coverage with certain companies.
  • Good Student – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you could get a discount of 10% to 20% off each policy.
  • Defensive Driving Course – Completing a course teaching defensive driving skills can save you 5% or more depending on where you live.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.

It’s important to note that some credits don’t apply the whole policy. Most only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will cut your premiums.

For a list of insurers with the best insurance coverage discounts, click this link.

Free Auto Insurance Comparison

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

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How to know if you need help

When choosing coverage, there is no best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions can help discover if you might need an agent’s assistance.

  • Do I need PIP coverage since I have good health insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I buy only the required minimum liability coverage?
  • Does coverage extend to Mexico or Canada?
  • Do I need replacement cost coverage?
  • Will filing a claim cost me more?
  • Are there companies who specialize in insuring high-risk drivers?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Auto insurance coverage breakdown

Knowing the specifics of a auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages offered by auto insurance companies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for immediate expenses for hospital visits, doctor visits, dental work and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides 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 many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Auto liability insurance

Liability coverage will cover damage or injury you incur to other people or property. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like attorney fees, legal defense fees, repair bills for other people’s vehicles and loss of income. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Collision protection

Collision coverage pays for damage to your Grand Caravan from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a parking meter, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, theft, rock chips in glass, hail damage and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Be a penny pincher

When buying insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced uninsured motorist or liability limits only to regret at claim time that the savings was not a smart move. Your goal should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Cost effective 2011 Dodge Grand Caravan insurance is attainable both online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who may not provide online price quotes and these smaller companies work with independent agents.

We just covered a lot of ways to reduce insurance prices online. The most important thing to understand is the more price quotes you have, the higher your chance of finding lower rates. You may even find the lowest priced insurance comes from the least-expected company. They may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.

To read more, link through to the articles below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2011 Dodge Grand Caravan Insurance Rates by City
City Premium
New York City, NY $1,698
Los Angeles, CA $1,839
Philadelphia, PA $1,434
Jacksonville, FL $1,561
Phoenix, AZ $1,252
Chicago, IL $1,444
Houston, TX $1,685
Seattle, WA $1,046
Columbus, OH $898
Indianapolis, IN $915

Need a specific model?

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Rates by Driver Age

2011 Dodge Grand Caravan Insurance Rates by Driver Age
Driver Age Premium
16 $4,242
20 $2,448
30 $1,098
40 $1,074
50 $986
60 $966

Full coverage, $500 deductibles

Rates by Deductible

2011 Dodge Grand Caravan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,272
$250 $1,182
$500 $1,074
$1,000 $970

Full coverage, driver age 40

Rates by Liability Limit

Dodge Grand Caravan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,074
50/100 $1,167
100/300 $1,283
250/500 $1,584
100 CSL $1,213
300 CSL $1,468
500 CSL $1,654

Full coverage, driver age 40

Rates for High Risk Drivers

2011 Dodge Grand Caravan Insurance Rates for High Risk Drivers
Age Premium
16 $5,986
20 $3,898
30 $2,334
40 $2,308
50 $2,204
60 $2,184

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 $143

Potential Rate Discounts

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

Discount Savings
Multi-policy $55
Multi-vehicle $57
Homeowner $18
5-yr Accident Free $67
5-yr Claim Free $67
Paid in Full/EFT $40
Advance Quote $47
Online Quote $73
Total Discounts $424
Rate after discounts $650

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

Find companies with the cheapest rates in your area

2011 Dodge Grand Caravan Insurance Rates by State
State Premium
Alabama $974
Alaska $826
Arizona $894
Arkansas $1,074
California $1,226
Colorado $1,030
Connecticut $1,108
Delaware $1,218
Florida $1,346
Georgia $992
Hawaii $772
Idaho $726
Illinois $802
Indiana $810
Iowa $726
Kansas $1,022
Kentucky $1,468
Louisiana $1,594
Maine $664
Maryland $888
Massachusetts $862
Michigan $1,868
Minnesota $900
Mississippi $1,290
Missouri $954
Montana $1,154
Nebraska $848
Nevada $1,290
New Hampshire $774
New Jersey $1,202
New Mexico $954
New York $1,132
North Carolina $620
North Dakota $880
Ohio $742
Oklahoma $1,106
Oregon $986
Pennsylvania $1,024
Rhode Island $1,436
South Carolina $974
South Dakota $908
Tennessee $942
Texas $1,296
Utah $796
Vermont $738
Virginia $642
Washington $830
West Virginia $986
Wisconsin $746
Wyoming $958

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