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2012 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 2012 Dodge Grand Caravan are $1,096 a year for full coverage insurance. Comprehensive costs on average $206 a year, collision insurance costs $272, and liability insurance costs $460. Buying a liability-only policy costs as little as $510 a year, and high-risk insurance costs around $2,350. Teenage drivers receive the highest rates at up to $4,298 a year.

Annual premium for full coverage: $1,096

Rate estimates for 2012 Dodge Grand Caravan Insurance

Comprehensive $206
Collision $272
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 $510 for a discount liability-only rate to a high of $2,350 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $1,096
High Risk $2,350

View Chart as Image

2012 Dodge Grand Caravan insurance rates compared
Column chart showing 2012 Dodge Grand Caravan insurance prices range from $659 to $4,298 for full coverage

These differences illustrate why it is important for drivers to compare rates based on a specific location and risk profile, rather than relying on 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 2012 Dodge Grand Caravan Insurance

Searching Companies

I can’t think of a single person who enjoys paying for insurance coverage, especially knowing their premiums are too high.

There are many car insurance companies to purchase coverage from, and although it’s nice to have multiple companies, too many choices makes it more difficult to compare rates and cut insurance costs.

It’s smart to take a look at other company’s rates every six months due to the fact that insurance rates change frequently. Despite the fact that you may have had the best price for Grand Caravan coverage on your last policy the chances are good that you can find a lower rate today. Starting right now, ignore everything you know about insurance coverage because it’s time to teach you one of the quickest ways to reduce your cost while increasing coverage.

These discounts can slash insurance coverage rates

The cost of insuring your cars can be expensive, but you can get discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you complete an application, but a few must be requested specifically prior to getting the savings.

  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Good Student Discount – Getting good grades can earn a discount of 20% or more. The discount lasts up to age 25.
  • No Charge for an Accident – Some insurance companies permit an accident before raising your premiums if you are claim-free for a certain period of time.
  • Multiple Cars – Buying insurance for all your vehicles on the same insurance coverage policy can get a discount on all vehicles.
  • Discount for Swiching Early – Select companies give a discount for signing up prior to your current policy expiring. The savings is around 10%.
  • 55 and Retired – Mature drivers may qualify for a small decrease in premiums for Grand Caravan coverage.
  • Drive Less and Save – Low mileage vehicles can earn better rates on cars that stay parked.
  • Auto/Life Discount – Larger companies have a discount if you purchase auto and life insurance together.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you won’t be that lucky. But any discount will help reduce the cost of coverage.

Companies that may have these benefits may include but are not limited to:

  • State Farm
  • Esurance
  • Progressive
  • Liberty Mutual
  • Auto-Owners Insurance
  • GEICO

It’s a good idea to ask every prospective company what discounts are available to you. All car insurance discounts might not be offered everywhere.

Compare Auto Insurance Today

All the larger auto insurance companies like GEICO, State Farm and Progressive allow you to get insurance quotes online. Obtaining pricing is fairly simple as you just type in the amount of coverage you want as requested by the quote form. When complete, their rating system obtains credit information and your driving record and generates pricing information. Online price quotes simplifies rate comparisons, but the time required to go to several different sites and complete many quote forms gets old quite quickly. But it’s absolutely necessary to get many rate quotes in order to find the lowest auto insurance rates.

Rate comparisons made easy

The easiest way to locate the lowest prices utilizes a single form that gets prices from many companies. It’s a real time-saver, requires less work, and makes online quotes much more enjoyable. Immediately after submitting the form, it gets priced and you can select any one of the pricing results.

If a lower price is quoted, you can simply submit the application and buy the policy. The entire process takes 15 minutes at the most and you will find out if you’re overpaying now.

In order to compare rates using this form now, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend you replicate coverages and limits exactly as shown on your declarations page. This makes sure you will receive rate comparison quotes for exact coverage.

Free Auto Insurance Comparison

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

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When might I need the advice of an agent?

When choosing adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions can aid in determining if you might need professional guidance.

  • Am I covered when pulling a rental trailer?
  • Does my policy pay for OEM or aftermarket parts?
  • How much liability coverage do I need in my state?
  • Am I covered when using my vehicle for business?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is my 2012 Dodge Grand Caravan covered for flood damage?
  • Am I covered if I hit a deer?
  • When would I need rental car insurance?
  • Why am I be forced to buy a membership to get insurance from some companies?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Car insurance specifics

Learning about specific coverages of car insurance aids in choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy. These are the usual coverages available from car insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like rock chips in glass, damage from getting keyed, theft, damage from a tornado or hurricane and damage from flooding. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage

Liability insurance protects you from damages or injuries you inflict on people or other property. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as attorney fees, loss of income, structural damage, legal defense fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Collision coverage protection

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

Collision coverage pays for claims like colliding with another moving vehicle, sideswiping another vehicle, colliding with a tree, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for surgery, nursing services, X-ray expenses, dental work and pain medications. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Final thoughts

Discount 2012 Dodge Grand Caravan insurance is definitely available on the web and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not provide online quoting and these small insurance companies work with independent agents.

We’ve covered many ideas to reduce insurance prices online. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even discover the best prices are with the smaller companies. Regional companies can often provide lower rates in certain areas than their larger competitors like GEICO and State Farm.

When trying to cut insurance costs, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, drivers have reduced uninsured motorist or liability limits only to regret at claim time that the savings was not a smart move. The aim is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

To learn more, link through to the articles below:

  • Things to Know Before you Cancel Insurance (Allstate)
  • Who Has the Cheapest Car Insurance for a Dodge Grand Caravan in Anaheim? (QuoteAnaheim.com)
  • Credit Impacts Car Insurance Rates (State Farm)
  • Driving in Bad Weather (Insurance Information Insitute)
  • Insuring a Leased Car (Insurance Information Insitute)

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2012 Dodge Grand Caravan Insurance Rates by City
City Premium
New York City, NY $1,731
Los Angeles, CA $1,872
Philadelphia, PA $1,464
Jacksonville, FL $1,589
Phoenix, AZ $1,274
Chicago, IL $1,465
Houston, TX $1,719
Seattle, WA $1,068
Columbus, OH $917
Indianapolis, IN $929

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2012 Dodge Grand Caravan Insurance Rates by Driver Age
Driver Age Premium
16 $4,298
20 $2,494
30 $1,122
40 $1,096
50 $1,004
60 $982

Full coverage, $500 deductibles

Rates by Deductible

2012 Dodge Grand Caravan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,302
$250 $1,206
$500 $1,096
$1,000 $986

Full coverage, driver age 40

Rates by Liability Limit

Dodge Grand Caravan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,096
50/100 $1,188
100/300 $1,303
250/500 $1,602
100 CSL $1,234
300 CSL $1,487
500 CSL $1,671

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Dodge Grand Caravan Insurance Rates for High Risk Drivers
Age Premium
16 $6,068
20 $3,970
30 $2,380
40 $2,350
50 $2,246
60 $2,224

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 $146

Potential Rate Discounts

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

Discount Savings
Multi-policy $56
Multi-vehicle $58
Homeowner $19
5-yr Accident Free $69
5-yr Claim Free $69
Paid in Full/EFT $42
Advance Quote $49
Online Quote $75
Total Discounts $437
Rate after discounts $659

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

Find companies with the cheapest rates in your area

2012 Dodge Grand Caravan Insurance Rates by State
State Premium
Alabama $992
Alaska $840
Arizona $910
Arkansas $1,096
California $1,248
Colorado $1,048
Connecticut $1,126
Delaware $1,240
Florida $1,370
Georgia $1,010
Hawaii $788
Idaho $742
Illinois $814
Indiana $822
Iowa $738
Kansas $1,040
Kentucky $1,494
Louisiana $1,620
Maine $676
Maryland $904
Massachusetts $878
Michigan $1,902
Minnesota $918
Mississippi $1,312
Missouri $972
Montana $1,176
Nebraska $864
Nevada $1,314
New Hampshire $790
New Jersey $1,226
New Mexico $970
New York $1,154
North Carolina $630
North Dakota $896
Ohio $758
Oklahoma $1,124
Oregon $1,004
Pennsylvania $1,046
Rhode Island $1,462
South Carolina $992
South Dakota $926
Tennessee $960
Texas $1,322
Utah $812
Vermont $750
Virginia $656
Washington $848
West Virginia $1,004
Wisconsin $758
Wyoming $976

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