Dodge Grand Caravan Insurance Rates

The average insurance prices for a Dodge Grand Caravan are $1,064 every 12 months including full coverage. Comprehensive costs around $194 each year, collision costs $238, and liability costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing around $2,278. Teenage drivers cost the most to insure at $4,208 a year or more.

Average premium for full coverage: $1,064

Policy rates for type of insurance:

Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Grand Caravan models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance rates.

The examples above highlight why all drivers should compare prices for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Information

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

• The best discount rate is $644
• Using higher $1,000 deductibles will save about $100 every year
• The average price for a good driver age 40 using $500 deductibles is $1,064
• Using low deductibles for physical damage coverage increases the price to $1,248
• High-risk insureds who are prone to accidents and violations could pay at least $2,278 or more
• Policy cost to insure a 16-year-old driver can be $4,208 or more

View Chart as Image

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

Using high physical damage deductibles could cut rates by as much as $290 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $4,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,200 to $1,800 in extra premium every year, depending on your age. Insurance for high-risk drivers can be from 43% to 126% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Dodge Grand Caravan insurance prices. A driver around age 40 might see rates as low as $820 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,520 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates will be varied.

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 Shop for the Best Cheap Dodge Grand Caravan Insurance

Finding cheaper rates on insurance for a Dodge Grand Caravan requires avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around at least every other year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The list below is a quick review of the car insurance concepts touched on above.

• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,210 more every year for car insurance
• You may be able to save up to $120 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $275 each year
• Insureds who may need higher liability limits will pay an extra $520 per year to increase from a 30/60 limit to a 250/500 level