Dodge Grand Caravan Insurance Rates

The average auto insurance rates for a Dodge Grand Caravan are $1,064 annually including full coverage. Comprehensive insurance costs approximately $194 each year, collision costs $238, and liability coverage costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing $2,278 or more. 16-year-old drivers cost the most to insure at $4,208 a year or more.

Average premium for full coverage: $1,064

Policy rates by type of insurance:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist 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 has a large influence on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than congested cities.

The graphic below illustrates the difference location can make on auto insurance prices.

The examples above highlight why all drivers should compare prices using their specific location and their own personal driving habits, rather than using rate averages.

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

Detailed Rate Analysis

The chart below breaks down estimated Dodge Grand Caravan insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $644
• Using higher $1,000 deductibles will save $100 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,064
• Buying low deductibles for physical damage coverage costs an additional $184 each year
• Higher-risk drivers with multiple tickets or accidents could pay around $2,278 or more
• Policy cost with full coverage for a teenage driver can cost $4,208 or more

View Chart as Image

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

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $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 anywhere from $1,200 to $1,800 additional every year, depending on your age. Insurance for high-risk drivers can be around 43% to 126% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $290 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

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

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, and rates will be varied between companies.

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 Buy Cheap Dodge Grand Caravan Insurance

Finding cheaper rates on auto insurance requires being safe and accident-free, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Make time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a brief summary of the ideas that were touched on in this article.

• Youthful drivers are the costliest to insure, with premiums being up to $351 each month if they have full coverage
• Drivers that tend to have accidents or serious violations may have to pay on average $1,210 more per year than a low-risk driver
• Increasing comprehensive and collision deductibles could save up to $275 each year
• You may be able to save around $120 per year simply by quoting online in advance