Dodge Grand Caravan Insurance Rates

The average insurance rates for a Dodge Grand Caravan are $1,074 a year for full coverage insurance. Comprehensive insurance costs an estimated $198 each year, collision costs $254, and liability coverage costs $464. Liability-only coverage costs as little as $514 a year, with high-risk coverage costing $2,308 or more. Teen drivers cost the most to insure at $4,242 a year or more.

Average premium for full coverage: $1,074

Policy rates broken down by type of insurance:

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Grand Caravan models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why all drivers should compare rates for a targeted area and risk profile, rather than using price averages.

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

Rates by State, City, and Model

The chart below illustrates estimated Dodge Grand Caravan insurance rates for other coverage scenarios.

• The lowest rate with discounts is $650
• Drivers who choose higher $1,000 deductibles will pay approximately $104 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,074
• Choosing low deductibles for comprehensive and collision insurance will cost an extra $198 each year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,308 or more
• Policy cost for full coverage for a teenage driver can cost as much as $4,242 a year

View Chart as Image

Insurance rates for a Dodge Grand Caravan also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $4,200 a year. View Rates by Age

Your home state makes a big difference in Dodge Grand Caravan insurance rates. A 40-year-old driver could pay as low as $710 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,450 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $310 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $417 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 are probably paying $1,300 to $1,800 additional every year, depending on your age. Insurance for high-risk drivers can cost around 42% to 135% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Every company uses a different rate calculation, and rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2015 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 Low Cost Dodge Grand Caravan Insurance

Finding cheaper rates on auto insurance not only requires having a decent driving record, but also having a good credit history, being claim-free, and maximizing policy discounts. Set aside time to compare rates every couple of years by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a review of the material that was covered above.

• Consumers who want additional liability coverage will pay about $510 annually to go from a 30/60 limit to 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, possibly costing $354 each month including comprehensive and collision insurance
• Drivers who have several accidents or serious violations pay on average $1,230 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $300 each year