Chrysler Town and Country Insurance Rates

The average insurance rates for a Chrysler Town and Country are $924 a year for full coverage. Comprehensive insurance costs an estimated $176 each year, collision costs $210, and liability insurance is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing $1,976 or more. Teenage drivers cost the most to insure at $3,622 a year or more.

Average premium for full coverage: $924

Policy rates broken down by type of insurance:

Rate estimates include $500 deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Town and Country models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are shown to have a lower frequency of accident claims than densely populated cities.

The graphic below illustrates how location impacts insurance prices.

The examples above show why all drivers should compare rates quotes for a targeted area and risk profile, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below shows estimated Chrysler Town and Country insurance rates for other coverage scenarios.

• The best discount rate is $560
• Raising to $1,000 deductibles will save approximately $88 a year
• The average rate for a good driver age 40 who has $500 deductibles is $924
• Using low deductibles will cost an extra $166 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $1,976 or more
• Policy cost for full coverage for a teen driver can cost as much as $3,622

Insurance rates for a Chrysler Town and Country also range considerably based on your risk profile, the trim level of your Town and Country, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $3,600 a year. View Rates by Age

Your home state also has a big influence on Chrysler Town and Country insurance rates. A middle-age driver might find rates as low as $610 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,320 on average in New York, Louisiana, and Michigan.

Using high physical damage deductibles can reduce rates by up to $260 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,100 to $1,500 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 41% to 133% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2012 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.

How to Find the Best Chrysler Town and Country Insurance

Finding cheaper rates on Chrysler Town and Country insurance consists of not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around every couple of years by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a brief recap of the material that was touched on above.

• Drivers who want higher liability limits will pay an extra $440 each year to raise from a 30/60 limit to 250/500 limits
• Teens are expensive to insure, costing up to $302 each month including comprehensive and collision insurance
• High-risk drivers who tend to receive serious violations pay an average of $1,050 more annually for Town and Country insurance
• Increasing comprehensive and collision deductibles can save around $250 each year