Dodge Grand Caravan Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 13, 2024
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The average insurance rates for a Dodge Grand Caravan are $1,074 a year for full coverage. Comprehensive insurance costs an estimated $198, collision costs $254, and liability costs around $464. A liability-only policy costs as low as $514 a year, with high-risk insurance costing $2,308 or more. 16-year-old 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:
Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all Grand Caravan models.
Price Range Variability
For the average driver, Dodge Grand Caravan insurance rates go from the low end price of $514 for your basic liability-only policy to the much higher price of $2,308 for high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on insurance rates. More rural locations are shown to have lower incidents of accident claims than congested cities.
The example below illustrates how location impacts insurance prices.
The examples above show why everyone should compare prices for a targeted area, instead of using rate averages.
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.
More Rate Information
The chart below shows estimated Dodge Grand Caravan insurance rates for other coverage scenarios.
- The best full coverage rate is $650
- Using higher $1,000 deductibles will save approximately $104 a year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,074
- Buying pricier low deductibles for physical damage coverage will cost an additional $198 every year
- Drivers with multiple tickets or accidents could pay up to $2,308 or more
- Policy cost that insures a teen driver for full coverage can cost as much as $4,242 or more
Car insurance rates for a Dodge Grand Caravan also range considerably based on the model of your Grand Caravan, how you drive, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you could be paying $1,300 to $1,800 extra every year, depending on your age. Dodge Grand Caravan insurance for high-risk drivers can be as much as 42% to 135% more than the average rate. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $4,200 a year. View Rates by Age
Your home state has a huge impact on Dodge Grand Caravan insurance prices. A driver around age 40 might see rates as low as $710 a year in states like Iowa, Maine, and Idaho, or at least $1,540 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $974 | -$100 | -9.3% |
| Alaska | $826 | -$248 | -23.1% |
| Arizona | $894 | -$180 | -16.8% |
| Arkansas | $1,074 | -$0 | 0.0% |
| California | $1,226 | $152 | 14.2% |
| Colorado | $1,030 | -$44 | -4.1% |
| Connecticut | $1,108 | $34 | 3.2% |
| Delaware | $1,218 | $144 | 13.4% |
| Florida | $1,346 | $272 | 25.3% |
| Georgia | $992 | -$82 | -7.6% |
| Hawaii | $772 | -$302 | -28.1% |
| Idaho | $726 | -$348 | -32.4% |
| Illinois | $802 | -$272 | -25.3% |
| Indiana | $810 | -$264 | -24.6% |
| Iowa | $726 | -$348 | -32.4% |
| Kansas | $1,022 | -$52 | -4.8% |
| Kentucky | $1,468 | $394 | 36.7% |
| Louisiana | $1,594 | $520 | 48.4% |
| Maine | $664 | -$410 | -38.2% |
| Maryland | $888 | -$186 | -17.3% |
| Massachusetts | $862 | -$212 | -19.7% |
| Michigan | $1,868 | $794 | 73.9% |
| Minnesota | $900 | -$174 | -16.2% |
| Mississippi | $1,290 | $216 | 20.1% |
| Missouri | $954 | -$120 | -11.2% |
| Montana | $1,154 | $80 | 7.4% |
| Nebraska | $848 | -$226 | -21.0% |
| Nevada | $1,290 | $216 | 20.1% |
| New Hampshire | $774 | -$300 | -27.9% |
| New Jersey | $1,202 | $128 | 11.9% |
| New Mexico | $954 | -$120 | -11.2% |
| New York | $1,132 | $58 | 5.4% |
| North Carolina | $620 | -$454 | -42.3% |
| North Dakota | $880 | -$194 | -18.1% |
| Ohio | $742 | -$332 | -30.9% |
| Oklahoma | $1,106 | $32 | 3.0% |
| Oregon | $986 | -$88 | -8.2% |
| Pennsylvania | $1,024 | -$50 | -4.7% |
| Rhode Island | $1,436 | $362 | 33.7% |
| South Carolina | $974 | -$100 | -9.3% |
| South Dakota | $908 | -$166 | -15.5% |
| Tennessee | $942 | -$132 | -12.3% |
| Texas | $1,296 | $222 | 20.7% |
| Utah | $796 | -$278 | -25.9% |
| Vermont | $738 | -$336 | -31.3% |
| Virginia | $642 | -$432 | -40.2% |
| Washington | $830 | -$244 | -22.7% |
| West Virginia | $986 | -$88 | -8.2% |
| Wisconsin | $746 | -$328 | -30.5% |
| Wyoming | $958 | -$116 | -10.8% |
Opting for high physical damage deductibles could cut rates by as much as $310 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, so rate quotes will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Grand Caravan CV | $1,038 | $87 |
| Dodge Grand Caravan SE | $1,066 | $89 |
| Dodge Grand Caravan Hero | $1,092 | $91 |
| Dodge Grand Caravan Crew | $1,100 | $92 |
| Dodge Grand Caravan SXT | $1,100 | $92 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Dodge Grand Caravan | $248 | $378 | $442 | $1,226 |
| 2019 Dodge Grand Caravan | $238 | $350 | $452 | $1,198 |
| 2015 Dodge Grand Caravan | $198 | $254 | $464 | $1,074 |
| 2010 Dodge Grand Caravan | $152 | $166 | $474 | $950 |
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 Find Affordable Dodge Grand Caravan Insurance
Finding cheaper rates on car insurance requires being a low-risk driver, having a positive credit history, avoid buying unnecessary coverage, and not having any coverage lapses. Comparison shop every couple of years by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.
The items below are a brief review of the material that was touched on above.
- Policyholders who want more liability coverage will pay around $510 each year to increase from a 30/60 limit to the 250/500 level
- Teen drivers have the highest car insurance rates, costing up to $354 each month if full coverage is purchased
- Higher risk drivers with DUI or reckless driving convictions may pay on average $1,230 more annually to insure their Grand Caravan
- Increasing comprehensive and collision deductibles can save approximately $300 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,242 |
| 20 | $2,448 |
| 30 | $1,098 |
| 40 | $1,074 |
| 50 | $986 |
| 60 | $966 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,272 |
| $250 | $1,182 |
| $500 | $1,074 |
| $1,000 | $970 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,074 |
| 50/100 | $1,193 |
| 100/300 | $1,309 |
| 250/500 | $1,610 |
| 100 CSL | $1,239 |
| 300 CSL | $1,494 |
| 500 CSL | $1,680 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,986 |
| 20 | $3,898 |
| 30 | $2,334 |
| 40 | $2,308 |
| 50 | $2,204 |
| 60 | $2,184 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $55 |
| Multi-vehicle | $57 |
| Homeowner | $18 |
| 5-yr Accident Free | $67 |
| 5-yr Claim Free | $67 |
| Paid in Full/EFT | $40 |
| Advance Quote | $47 |
| Online Quote | $73 |
| Total Discounts | $424 |
Discounts are estimated and may not be available from every company or in every state.
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