Dodge Caravan Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 13, 2023

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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.

You have many choices when buying insurance for your Dodge Caravan. You can either buy through an agent or price shop online to compare pricing from multiple companies. Shopping for car insurance online is simple to do, in addition you can save money.

Comparing car insurance rates direct online can be complicated if you have never used online quotes. But relax because it's actually quite easy. Finding lower Dodge Caravan insurance cost is not rocket science. You just have to spend a little time getting comparison quotes online with multiple companies. This is very easy and can be done by visiting this page.

Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a Dodge Caravan can vary widely subject to many criteria. A few of these criteria are:

  • More performance equals higher cost
  • Any accidents you may have
  • Whether you insure your home with the same company
  • How you use your vehicle
  • Optional coverages like vehicle replacement
  • Your claim history
  • Maintaining coverage lowers rates
  • Owning a home can lower rates

An additional factor that will help determine Dodge Caravan insurance rates is the year of the vehicle. A newer vehicle have a higher replacement value than older models so the payout to repair can inflate annual premiums. But newer models may have safety features including adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes which can provide discounts that lower premiums.

Liability coverage - Dodge Caravan liability coverage protects you from injuries or damage you cause to a person or their property by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision coverage - Collision coverage pays for damage to your Caravan from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverage - This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP - Med pay and PIP coverage reimburse you for bills such as ambulance fees, surgery, and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage.

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

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

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

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