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...
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UPDATED: May 13, 2024
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The average auto insurance rates for a Dodge Grand Caravan are $1,064 annually including full coverage. Comprehensive insurance costs around $194 a year, collision insurance costs $238, and liability coverage is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs $2,278 or more. 16-year-old drivers cost the most to insure at up to $4,208 a year.
Average premium for full coverage: $1,064
Policy rates for type of insurance:
Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Grand Caravan trim levels.
Price Range Variability
For a driver in their 40's, Dodge Grand Caravan insurance rates range from as cheap as $522 for basic liability insurance to a high of $2,278 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than congested cities. The diagram below illustrates how location helps determine auto insurance rates.
The examples above highlight why it is important to compare rates quotes for a specific zip code and their own personal driving habits, rather than 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.
Rate Comparisons
The chart below breaks down average Dodge Grand Caravan insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $644
- Raising to $1,000 deductibles will save about $964 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,064
- Buying low $100 deductibles costs an additional $184 each year
- Unlucky drivers with multiple tickets or accidents could pay at least $2,278
- Policy cost with full coverage for a teenage driver can be $4,208
Insurance rates for a Dodge Grand Caravan also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect 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 caused a few accidents, you are likely paying at least $1,200 to $1,800 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 126% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $290 a year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Dodge Grand Caravan insurance rates. A middle-age driver might find rates as low as $820 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,520 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $960 | -$104 | -9.8% |
| Alaska | $814 | -$250 | -23.5% |
| Arizona | $882 | -$182 | -17.1% |
| Arkansas | $1,064 | -$0 | 0.0% |
| California | $1,212 | $148 | 13.9% |
| Colorado | $1,016 | -$48 | -4.5% |
| Connecticut | $1,092 | $28 | 2.6% |
| Delaware | $1,202 | $138 | 13.0% |
| Florida | $1,332 | $268 | 25.2% |
| Georgia | $980 | -$84 | -7.9% |
| Hawaii | $762 | -$302 | -28.4% |
| Idaho | $718 | -$346 | -32.5% |
| Illinois | $792 | -$272 | -25.6% |
| Indiana | $800 | -$264 | -24.8% |
| Iowa | $716 | -$348 | -32.7% |
| Kansas | $1,012 | -$52 | -4.9% |
| Kentucky | $1,450 | $386 | 36.3% |
| Louisiana | $1,572 | $508 | 47.7% |
| Maine | $656 | -$408 | -38.3% |
| Maryland | $876 | -$188 | -17.7% |
| Massachusetts | $850 | -$214 | -20.1% |
| Michigan | $1,846 | $782 | 73.5% |
| Minnesota | $890 | -$174 | -16.4% |
| Mississippi | $1,272 | $208 | 19.5% |
| Missouri | $944 | -$120 | -11.3% |
| Montana | $1,142 | $78 | 7.3% |
| Nebraska | $838 | -$226 | -21.2% |
| Nevada | $1,276 | $212 | 19.9% |
| New Hampshire | $766 | -$298 | -28.0% |
| New Jersey | $1,188 | $124 | 11.7% |
| New Mexico | $942 | -$122 | -11.5% |
| New York | $1,120 | $56 | 5.3% |
| North Carolina | $612 | -$452 | -42.5% |
| North Dakota | $870 | -$194 | -18.2% |
| Ohio | $734 | -$330 | -31.0% |
| Oklahoma | $1,092 | $28 | 2.6% |
| Oregon | $974 | -$90 | -8.5% |
| Pennsylvania | $1,014 | -$50 | -4.7% |
| Rhode Island | $1,418 | $354 | 33.3% |
| South Carolina | $964 | -$100 | -9.4% |
| South Dakota | $898 | -$166 | -15.6% |
| Tennessee | $932 | -$132 | -12.4% |
| Texas | $1,280 | $216 | 20.3% |
| Utah | $788 | -$276 | -25.9% |
| Vermont | $728 | -$336 | -31.6% |
| Virginia | $636 | -$428 | -40.2% |
| Washington | $824 | -$240 | -22.6% |
| West Virginia | $974 | -$90 | -8.5% |
| Wisconsin | $736 | -$328 | -30.8% |
| Wyoming | $948 | -$116 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Grand Caravan CV | $1,028 | $86 |
| Dodge Grand Caravan SE | $1,054 | $88 |
| Dodge Grand Caravan Hero | $1,080 | $90 |
| Dodge Grand Caravan Crew | $1,088 | $91 |
| Dodge Grand Caravan SXT | $1,088 | $91 |
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 | $238 | $350 | $452 | $1,198 |
| 2019 Dodge Grand Caravan | $230 | $330 | $456 | $1,174 |
| 2015 Dodge Grand Caravan | $194 | $238 | $474 | $1,064 |
| 2010 Dodge Grand Caravan | $148 | $150 | $468 | $924 |
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 Buy the Cheapest Dodge Grand Caravan Insurance
Finding cheaper rates on auto insurance consists of avoiding accidents and violations, having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Invest time comparing rates at every policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The list below is a recap of the data covered in the charts and tables above.
- Consumers who may need higher liability limits will pay around $520 per year to raise from a 30/60 limit to higher 250/500 limits
- You may be able to save up to $120 per year just by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $275 each year
- Teenagers pay higher rates, with premiums being up to $351 each month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,208 |
| 20 | $2,414 |
| 30 | $1,084 |
| 40 | $1,064 |
| 50 | $974 |
| 60 | $954 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,248 |
| $250 | $1,164 |
| $500 | $1,064 |
| $1,000 | $964 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,064 |
| 50/100 | $1,183 |
| 100/300 | $1,301 |
| 250/500 | $1,609 |
| 100 CSL | $1,230 |
| 300 CSL | $1,491 |
| 500 CSL | $1,681 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,936 |
| 20 | $3,848 |
| 30 | $2,300 |
| 40 | $2,278 |
| 50 | $2,178 |
| 60 | $2,154 |
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 | $54 |
| Multi-vehicle | $57 |
| Homeowner | $19 |
| 5-yr Accident Free | $65 |
| 5-yr Claim Free | $67 |
| Paid in Full/EFT | $39 |
| Advance Quote | $47 |
| Online Quote | $72 |
| Total Discounts | $420 |
Discounts are estimated and may not be available from every company or in every state.
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