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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: Apr 9, 2020

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How much is it to insure a Caravan compared to other vehicles? Average Dodge Grand Caravan insurance rates are $1,276 a year, or $106 a month.

Finding an affordable Dodge Grand Caravan car insurance company shouldn’t be a chore. Keep in mind, however, that many factors go into determining your car insurance rates. Insurance for a Dodge Grand Caravan 2020 will be more expensive than an older model.

When determining Dodge Grand Caravan auto insurance quotes, companies like Progressive Insurance, The General Insurance, and State Farm also look at your age, annual miles driven, and your driving history.

Average insurance costs also vary from state-to-state and even ZIP code-to-ZIP code.

Before you buy Dodge Grand Caravan auto insurance, read our guide to learn how to save on Dodge insurance rates.

If you want to jump right into Caravan insurance price comparison, enter your ZIP code in our free tool above to find the best deals on Caravan insurance.

The average auto insurance rates for a Dodge Grand Caravan are $1,264 annually including full coverage. Comprehensive costs around $294, collision costs $422, and liability is $390. Liability-only insurance costs around $452 a year, with high-risk driver insurance costing around $2,698. Teens cost the most to insure at $4,682 a year or more.

Average premium for full coverage: $1,264

Policy rates for type of insurance:

Comprehensive $294
Collision $422
Liability $390

Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Grand Caravan models.

Price Range Variability

For a driver in their 40's, Dodge Grand Caravan insurance rates go from as cheap as $452 for only liability insurance to the much higher price of $2,698 for a driver who has had serious violations or accidents.

Liability Only $452
Full Coverage $1,264
High Risk $2,698

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how location helps determine auto insurance rates.

Rural Areas $948
Small Cities $1,327
Large Cities $1,706

The examples above highlight why everyone should compare rates quotes for a specific zip code and their own personal driving habits, instead of using averaged prices.

Use the form below to get customized rates for your location.

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

Insurance Rate Analysis

The chart below breaks down estimated Dodge Grand Caravan insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $747
  • Raising to $1,000 deductibles will save about $164 every year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,264
  • Selecting pricier low deductibles will cost $1,574
  • At-risk drivers with serious driving violations could pay at least $2,698 or more
  • Policy cost with full coverage for a teen driver for full coverage can be $4,682

View Chart as Image

Dodge Grand Caravan insurance cost comparison chart
Column chart showing full coverage Dodge Grand Caravan insurance rates range from $747 to $4,682

Auto insurance rates for a Dodge Grand Caravan also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,500 to $2,000 in extra premium every year, depending on your age. Dodge Grand Caravan insurance for high-risk drivers is expensive and can cost as much as 43% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $480 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Dodge Grand Caravan insurance prices. A middle-age driver might find rates as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,800 on average in Michigan, New York, and Louisiana.

Dodge Grand Caravan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,142 -$122 -9.7%
Alaska $968 -$296 -23.4%
Arizona $1,050 -$214 -16.9%
Arkansas $1,264 -$0 0.0%
California $1,438 $174 13.8%
Colorado $1,206 -$58 -4.6%
Connecticut $1,298 $34 2.7%
Delaware $1,430 $166 13.1%
Florida $1,580 $316 25.0%
Georgia $1,168 -$96 -7.6%
Hawaii $906 -$358 -28.3%
Idaho $854 -$410 -32.4%
Illinois $940 -$324 -25.6%
Indiana $952 -$312 -24.7%
Iowa $852 -$412 -32.6%
Kansas $1,200 -$64 -5.1%
Kentucky $1,722 $458 36.2%
Louisiana $1,870 $606 47.9%
Maine $780 -$484 -38.3%
Maryland $1,042 -$222 -17.6%
Massachusetts $1,010 -$254 -20.1%
Michigan $2,196 $932 73.7%
Minnesota $1,056 -$208 -16.5%
Mississippi $1,512 $248 19.6%
Missouri $1,120 -$144 -11.4%
Montana $1,356 $92 7.3%
Nebraska $998 -$266 -21.0%
Nevada $1,516 $252 19.9%
New Hampshire $910 -$354 -28.0%
New Jersey $1,412 $148 11.7%
New Mexico $1,120 -$144 -11.4%
New York $1,332 $68 5.4%
North Carolina $726 -$538 -42.6%
North Dakota $1,034 -$230 -18.2%
Ohio $872 -$392 -31.0%
Oklahoma $1,298 $34 2.7%
Oregon $1,158 -$106 -8.4%
Pennsylvania $1,206 -$58 -4.6%
Rhode Island $1,686 $422 33.4%
South Carolina $1,146 -$118 -9.3%
South Dakota $1,066 -$198 -15.7%
Tennessee $1,106 -$158 -12.5%
Texas $1,524 $260 20.6%
Utah $936 -$328 -25.9%
Vermont $864 -$400 -31.6%
Virginia $756 -$508 -40.2%
Washington $976 -$288 -22.8%
West Virginia $1,158 -$106 -8.4%
Wisconsin $876 -$388 -30.7%
Wyoming $1,128 -$136 -10.8%

View Chart as Image

Dodge Grand Caravan insurance rates by U.S. city

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, and quoted rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Dodge Grand Caravan Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Dodge Grand Caravan CV $1,208 $101
Dodge Grand Caravan SE $1,250 $104
Dodge Grand Caravan Hero $1,294 $108
Dodge Grand Caravan Crew $1,306 $109
Dodge Grand Caravan SXT $1,306 $109

Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Dodge Grand Caravan Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Dodge Grand Caravan $294 $422 $390 $1,264
2019 Dodge Grand Caravan $282 $418 $398 $1,256
2018 Dodge Grand Caravan $272 $408 $416 $1,254
2017 Dodge Grand Caravan $262 $390 $430 $1,240
2016 Dodge Grand Caravan $248 $378 $442 $1,226
2015 Dodge Grand Caravan $238 $350 $452 $1,198
2014 Dodge Grand Caravan $230 $330 $456 $1,174
2013 Dodge Grand Caravan $220 $296 $460 $1,134
2012 Dodge Grand Caravan $206 $272 $460 $1,096
2011 Dodge Grand Caravan $198 $254 $464 $1,074
2010 Dodge Grand Caravan $194 $238 $474 $1,064
2009 Dodge Grand Caravan $180 $220 $474 $1,032
2008 Dodge Grand Caravan $174 $200 $478 $1,010
2007 Dodge Grand Caravan $162 $184 $474 $978
2006 Dodge Grand Caravan $152 $166 $474 $950
2005 Dodge Grand Caravan $148 $150 $468 $924
2004 Dodge Grand Caravan $146 $146 $460 $910
2003 Dodge Grand Caravan $144 $140 $452 $894
2002 Dodge Grand Caravan $132 $132 $446 $868
2001 Dodge Grand Caravan $126 $126 $442 $852

Rates are averaged for all Dodge Grand Caravan models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Low Cost Dodge Grand Caravan Insurance

Finding cheaper rates on car insurance consists of being a safe driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates every other policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Here is a review of the ideas that were covered in the charts and tables above.

  • Young drivers are expensive to insure, with premiums being up to $390 each month if full coverage is included
  • Higher risk drivers who have several accidents or serious violations may pay on average $1,430 more every year for insurance
  • Increasing comprehensive and collision deductibles could save up to $475 each year
  • You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date

Drivers who want to find a budget Caravan insurance policy should shop around to see which insurance company has the cheapest rates. Comparing rates will also allow you to compare prices for similar trims and models, such as 2018 Dodge Caravan costs versus 2010 Dodge Grand Caravan trim levels.

If you are ready to find Caravan insurance quote comparision online, enter your ZIP code in our tool below to see which Caravan insurance providers are the best in your area, whether its budget direct Caravan insurance in WA or PA.

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What are the safety ratings of the Dodge Grand Caravan?

Is a Dodge Grand Caravan a good car in crashes? Good Dodge Grand Caravan safety ratings are part of what causes insurance rates to go down. The Caravan’s safety features include a rear back up camera, traction control, electronic stability control, and a steel safety frame.

The Insurance Institute for Highway Safety (IIHS) has also crash tested and rated the 2020 Dodge Grand Caravan, which resulted in the following mixed ratings.

  • Small overlap front (driver-side): Poor
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

The video below demonstrates one of the IIHS’s tests.

Dodge Grand Caravan Crash Test Ratings

Good crash test ratings can also help lower your insurance rates.

Dodge Grand Caravan Crash Test Ratings 
Vehicle TestedOverallFrontalSideRollover
2020 Dodge Grand Caravan MV FWD4 stars4 stars5 stars4 stars
2019 Dodge Grand Caravan VAN FWD Later Release4 stars4 stars5 stars4 stars
2019 Dodge Grand Caravan VAN FWD Early Release4 stars4 stars5 stars4 stars
2018 Dodge Grand Caravan VAN FWD4 stars4 stars5 stars4 stars
2017 Dodge Grand Caravan VAN FWD4 stars4 stars5 stars4 stars
2016 Dodge Grand Caravan VAN FWD4 stars4 stars5 stars4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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The lowest ratings are 4 stars, which is good.

Dodge Grand Caravan Insurance Loss Probability

When it comes to insurance loss probabilities, high insurance losses mean higher insurance rates, while low insurance losses mean lower insurance rates.

Dodge Grand Caravan Insurance Loss Probability 
Insurance Coverage CategoryLoss Rate
Collision-21%
Property Damage4%
Comprehensive-19%
Personal Injury8%
Medical Payment8%
Bodily Injury7%
Source: Insurance Institute for Highway Safety
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Collision and comprehensive insurance losses are both in the negative, which is great.

Dodge Grand Caravan Compared Against Other Vehicles in the Same Class

Classified as a minivan, the Dodge Grand Caravan likely won’t have high liability rates, as it isn’t’ a large, heavy vehicle or a sports car. To see how the Dodge Grand Caravan’s rates compare to other vans, take a look at the list below.

We hope our guide to insurance for a Dodge Grand Caravan has helped. If you are ready to look for Dodge Grand Caravan insurance quotes you can trust, use our free tool to start the process of Caravan insurance comparison.

References

  1. https://www.iihs.org/ratings/vehicle/dodge/grand-caravan-minivan/2020
  2. https://www.nhtsa.gov/ratings

Rates by Driver Age

Dodge Grand Caravan Insurance Rates by Driver Age
Driver Age Premium
16 $4,682
20 $2,864
30 $1,312
40 $1,264
50 $1,154
60 $1,128

Full coverage, $500 deductibles

Rates by Deductible

Dodge Grand Caravan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,574
$250 $1,432
$500 $1,264
$1,000 $1,100

Full coverage, driver age 40

Rates by Liability Limit

Dodge Grand Caravan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,264
50/100 $1,384
100/300 $1,482
250/500 $1,735
100 CSL $1,423
300 CSL $1,638
500 CSL $1,794

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Grand Caravan Insurance Rates for High Risk Drivers
Age Premium
16 $6,654
20 $4,546
30 $2,752
40 $2,698
50 $2,570
60 $2,546

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 $168

Potential Rate Discounts

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

Discount Savings
Multi-policy $66
Multi-vehicle $64
Homeowner $19
5-yr Accident Free $87
5-yr Claim Free $80
Paid in Full/EFT $54
Advance Quote $59
Online Quote $88
Total Discounts $517
Rate after discounts $747

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

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