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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Estimated insurance prices for a Dodge Grand Caravan are $1,198 every 12 months including full coverage. Comprehensive costs on average $238 each year, collision costs $350, and liability insurance costs $452. Liability-only insurance costs as little as $504 a year, with high-risk driver insurance costing around $2,576. Teenage drivers pay the most at $4,610 a year or more.
Average premium for full coverage: $1,198
Premium estimates by type of coverage:
Full coverage includes $500 deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Grand Caravan models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Dodge Grand Caravan go from the cheapest price of $504 for just liability insurance to a high rate of $2,576 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.
The graphic below illustrates how where you live affects car insurance rates.
These rate differences highlight why all drivers should compare rates based on a specific location and their own driving history, rather than relying on average rates.
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 Details
The chart below breaks down estimated Dodge Grand Caravan insurance rates for different risk profiles and scenarios.
- The best discount rate is $711
- Drivers who choose higher $1,000 deductibles will pay around $134 every year
- The average price for a 40-year-old good driver with $500 deductibles is $1,198
- Using low deductibles for comprehensive and collision insurance increases the price to $1,454
- High risk drivers who are prone to accidents and violations could pay upwards of $2,576 or more
- An auto insurance policy to insure a teen driver may cost $4,610 a year
Insurance prices for a Dodge Grand Caravan also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your Grand Caravan.
Using high physical damage deductibles could save up to $390 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,400 to $2,000 additional annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Dodge Grand Caravan insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,710 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,084 | -$114 | -9.5% |
| Alaska | $918 | -$280 | -23.4% |
| Arizona | $994 | -$204 | -17.0% |
| Arkansas | $1,198 | -$0 | 0.0% |
| California | $1,364 | $166 | 13.9% |
| Colorado | $1,144 | -$54 | -4.5% |
| Connecticut | $1,234 | $36 | 3.0% |
| Delaware | $1,356 | $158 | 13.2% |
| Florida | $1,500 | $302 | 25.2% |
| Georgia | $1,106 | -$92 | -7.7% |
| Hawaii | $862 | -$336 | -28.0% |
| Idaho | $812 | -$386 | -32.2% |
| Illinois | $892 | -$306 | -25.5% |
| Indiana | $902 | -$296 | -24.7% |
| Iowa | $808 | -$390 | -32.6% |
| Kansas | $1,138 | -$60 | -5.0% |
| Kentucky | $1,636 | $438 | 36.6% |
| Louisiana | $1,774 | $576 | 48.1% |
| Maine | $740 | -$458 | -38.2% |
| Maryland | $986 | -$212 | -17.7% |
| Massachusetts | $958 | -$240 | -20.0% |
| Michigan | $2,082 | $884 | 73.8% |
| Minnesota | $1,002 | -$196 | -16.4% |
| Mississippi | $1,436 | $238 | 19.9% |
| Missouri | $1,062 | -$136 | -11.4% |
| Montana | $1,286 | $88 | 7.3% |
| Nebraska | $946 | -$252 | -21.0% |
| Nevada | $1,438 | $240 | 20.0% |
| New Hampshire | $864 | -$334 | -27.9% |
| New Jersey | $1,338 | $140 | 11.7% |
| New Mexico | $1,062 | -$136 | -11.4% |
| New York | $1,262 | $64 | 5.3% |
| North Carolina | $692 | -$506 | -42.2% |
| North Dakota | $982 | -$216 | -18.0% |
| Ohio | $828 | -$370 | -30.9% |
| Oklahoma | $1,230 | $32 | 2.7% |
| Oregon | $1,096 | -$102 | -8.5% |
| Pennsylvania | $1,144 | -$54 | -4.5% |
| Rhode Island | $1,598 | $400 | 33.4% |
| South Carolina | $1,084 | -$114 | -9.5% |
| South Dakota | $1,012 | -$186 | -15.5% |
| Tennessee | $1,048 | -$150 | -12.5% |
| Texas | $1,446 | $248 | 20.7% |
| Utah | $886 | -$312 | -26.0% |
| Vermont | $822 | -$376 | -31.4% |
| Virginia | $718 | -$480 | -40.1% |
| Washington | $926 | -$272 | -22.7% |
| West Virginia | $1,096 | -$102 | -8.5% |
| Wisconsin | $830 | -$368 | -30.7% |
| Wyoming | $1,068 | -$130 | -10.9% |
With such a large range in prices, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate prices, and prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Grand Caravan CV | $1,154 | $96 |
| Dodge Grand Caravan SE | $1,188 | $99 |
| Dodge Grand Caravan Hero | $1,222 | $102 |
| Dodge Grand Caravan Crew | $1,234 | $103 |
| Dodge Grand Caravan SXT | $1,234 | $103 |
Rates assume 2019 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 |
| 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 Shop for More Affordable Dodge Grand Caravan Insurance
Finding better rates on Dodge Grand Caravan insurance not only requires not taking risks behind the wheel, but also having above-average credit, refrain from filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop at every policy renewal by quoting rates from direct car insurance companies, and also from your local independent and exclusive agents.
The following is a summary of the data touched on in the above illustrations.
- Drivers who require higher liability limits will pay an extra $500 per year to go from 30/60 bodily injury limits to a 250/500 level
- You may be able to save as much as $140 per year simply by quoting online in advance
- Increasing policy deductibles could save as much as $400 each year
- Teens pay higher prices, with the cost nearing $384 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,610 |
| 20 | $2,736 |
| 30 | $1,234 |
| 40 | $1,198 |
| 50 | $1,096 |
| 60 | $1,074 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,454 |
| $250 | $1,338 |
| $500 | $1,198 |
| $1,000 | $1,064 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,198 |
| 50/100 | $1,324 |
| 100/300 | $1,437 |
| 250/500 | $1,731 |
| 100 CSL | $1,370 |
| 300 CSL | $1,618 |
| 500 CSL | $1,799 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,536 |
| 20 | $4,354 |
| 30 | $2,616 |
| 40 | $2,576 |
| 50 | $2,460 |
| 60 | $2,438 |
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 | $62 |
| Multi-vehicle | $63 |
| Homeowner | $19 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $49 |
| Advance Quote | $55 |
| Online Quote | $83 |
| Total Discounts | $487 |
Discounts are estimated and may not be available from every company or in every state.
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