Dodge Caravan Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Dodge Caravan is cheaper to insure than the average truck.
• Full coverage car insurance for a Caravan comes in at around $107 a month, on average, while liability only insurance typically averages about $65.
• Hugo is the most affordable insurance carrier for a Caravan with a national average of just $28 per month for liability only coverage.

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Caravan Overview

With a base price of just $19,055 for 2007 models, the Dodge Caravan is a great truck for all budgets. With three different trim levels currently available, every driver can find an option to match their style.

We sifted through thousands of auto insurance quotes on Compare.com, and we've determined that, on average, Dodge Caravan car insurance prices run around $81 a month. But how does that compare to other vehicles on the market?

How Much is Car Insurance for a Dodge Caravan?

Looking at the table above, you can see that Dodge Caravan insurance rates are less expensive than average. Caravan owners can expect to pay about $107 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $65 monthly for liability only insurance (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

Comparing it to other models, the Caravan is more affordable, with premiums more than 10% lower than other vehicles in Dodge's lineup. Likewise, compared to other vehicles of a similar body style, Caravan coverage is more affordable than average, with both full coverage and liability only insurance averaging less expensive rates than other trucks.

They're also more affordable to insure than the average vehicle overall, regardless of body style, make, or model.

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Who has the Cheapest Car Insurance for a Dodge Caravan?

Are you looking for an auto insurance policy for your Dodge Caravan? You might be wondering which company offers the lowest rates. Even though there will never be one carrier that offers the lowest premiums for everyone, the cheapest average rates for liability only insurance are as low as just $28 a month from ACG and Hugo.

Finishing off the rest of the top 5 are Aspire, Oasis, and Workmens. However, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Dodge Caravan.

Car insurance carriers take many factors into consideration when calculating how much to charge you. The only way to guarantee you'll find the lowest rates is to compare quotes from a range of insurance companies.

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What Factors Affect Car Insurance Rates for a Dodge Caravan?

There are a whole bunch of things that auto insurance carriers reference to calculate how much to charge for insurance -- and every company weighs different pieces more heavily than others, so there's not a single carrier that's the cheapest for everyone.

Here are just a few of the variables car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

Dodge has been making the Caravan for quite some time, so the car's age may play a role in how much you'll pay for auto insurance. Typically, it costs more to insure newer cars because they're worth more, but as they age, insurance costs will gradually go lower.

Since a new model has not been added to the market for at least 5 years, the Caravan won't really fit this trend. However, as you can see in the table above, the most expensive Dodge Caravans to insure are those that are 11 to 14 years old, while the cheapest models are Caravans that are 6 to 7 years old, on average.

Your Age

How old you are makes a big difference in how much you pay for car insurance. In the table above, you'll see that those with more experience have lower prices than teenage Caravan drivers. Dodge Caravan drivers under 18 actually pay over three times as much as those 25 or older.

Auto insurance prices continue to get lower as you get older, with the cheapest age group for Caravan drivers being 55-64.

Your Gender

Because women are less likely to get into collisions and get speeding tickets, they are less likely to file a claim with insurance. So, women usually pay less for auto insurance than men. Surprisingly, when it comes to Caravan drivers specifically, men pay around the same rates monthly as women for car insurance.

Where You Live

You might think it's common sense that factors like what vehicle you drive and how old you are play a role in your insurance rates, but you may not realize that where you live matters just as much. Because auto insurance is regulated on a state-by-state basis, prices can differ quite a bit depending on what state you live in.

For example, the average Dodge Caravan owner from New York pays about $122 per month for liability coverage, while on average, the same driver from California will pay less than 50% of that price. The table referenced above shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change from state to state.

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Dodge Caravan Car Insurance Discounts

Regardless of what car you drive, what state you call home, or how old you are, it's always a good idea to take advantage of as many insurance discounts as possible when shopping around for a policy.

While no two car insurance companies offer the same exact discounts, there are a few that you'll find with most insurers. These include discounts like:

• Multi-car discounts for insuring more than one of your vehicles with the same company
• Pay-in-full discounts for drivers who choose to pay their entire policy rate at once, rather than in monthly installments
• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like air bags or anti-lock brakes)

These are just a few of the discounts insurance carriers offer, and sometimes, the best way to save isn't through a "discount" at all, but rather by having a favorable driving record and insurance history.

Of course, you can't control every single aspect of your auto insurance profile (like some of the attributes we mentioned above), but there is quite bit in your control. Below are just a few of the ones you can use to your advantage when it comes to saving cash:

Your Driving Record

It's no secret that car insurance companies offer the most affordable rates to drivers with clean records. It checks out that your insurance premiums will go higher if you get into a collision or get cited for speeding. But you still might be left wondering exactly how much these infractions will cost you.

You can tell from the table above that accidents will usually cost Caravan drivers more than tickets, but both will result in higher than normal rates. Dodge Caravan drivers with one accident on their record pay about $81 a month (up $16 from the $65/mo. overall average), while drivers with a single ticket will pay an average of $71 monthly. The rates only get higher the more accidents you have or tickets you get.

How Much You Drive

Another variable that affects your auto insurance prices is the amount of miles you drive. Those who are on the roads less are more likely to go accident-free, so they'll normally be offered more affordable rates. Above, you can see that Dodge Caravan owners who drive 10,000 miles or more pay $68 for car insurance, while those who drive fewer than 2,500 miles each year pay an average of $60 a month.

But if you don't drive much because you work from home or have a second vehicle, you might consider learning about usage-based or pay-per-mile insurance policies. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Dodge Caravans Compare to Other Vehicles?

If you're considering buying a new truck and a Dodge Caravan is on your shortlist, it might be helpful to do your research. Insurance is just one cost that comes with buying a new car, but it's definitely one that's worth considering carefully.

Take a look at the table below to see how the Dodge Caravan stacks up:

With an MSRP that's a third less than the going rate for a new vehicle, the Dodge Caravan is a great value for any budget. While the average vehicle price in the U.S. is $30,184, the Caravan has an MSRP of just $19,055. A used Caravan will be even cheaper, since there hasn't been a new model on the market recently.

Likewise, auto insurance premiums are lower when compared to other vehicles on the market. Full coverage insurance for a Dodge Caravan is around $58 a month cheaper than average, while liability only coverage is $14 cheaper per month.

When it comes to usage, Dodge Caravan owners drive about the same amount annually as the national average, with 11,300 miles per year compared to 11,617 for all vehicles.

Dodge Caravan Car Insurance Costs by Model Year

So far, you've seen how different variables affect how much the average driver pays to insure a Dodge Caravan. But if you're thinking about buying a new vehicle and the Caravan is one you're considering, knowing what you can expect to pay is extremely valuable as you weigh your options.

Choose Your Model

2007 Dodge Caravan Car Insurance 2006 Dodge Caravan Car Insurance 2005 Dodge Caravan Car Insurance 2004 Dodge Caravan Car Insurance 2003 Dodge Caravan Car Insurance 2002 Dodge Caravan Car Insurance 2001 Dodge Caravan Car Insurance 2000 Dodge Caravan Car Insurance 1999 Dodge Caravan Car Insurance 1998 Dodge Caravan Car Insurance 1997 Dodge Caravan Car Insurance 1996 Dodge Caravan Car Insurance 1995 Dodge Caravan Car Insurance

2007 Dodge Caravan Car Insurance

On average, drivers who own a 2007 Caravan can expect to pay $67 to $111 monthly for liability only and full coverage auto insurance, respectively.

With rates sometimes as cheap as $16 a month, ACG offered the lowest policy we found.

Interested in exactly how much you'll pay? Just enter your ZIP code below to get multiple free personalized quotes.

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2006 Dodge Caravan Car Insurance

2006 Dodge Caravan drivers can expect to pay an average of $67 per month for liability or $113 for full coverage.

If you're looking for the cheapest possible 2006 Dodge Caravan insurance policy, Clearcover offered the most affordable policy we found, with rates sometimes as low as $19 monthly.

If you want to know exactly how much you can expect to pay for your Caravan, get free quotes in minutes by just entering your ZIP code below.

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2005 Dodge Caravan Car Insurance

The average cost to insure a 2005 Caravan with liability only coverage is $69 a month, while full coverage runs about $113 per month.

MetroMile offered the cheapest policy we found, with rates as low as $16 a month.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

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2004 Dodge Caravan Car Insurance

You can expect full coverage for a 2004 Dodge Caravan to run around $105 per month, while liability only coverage will average about $64 monthly.

Commonwealth Casualty has premiums as little as just $18 per month for the 2004 Dodge Caravan.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2003 Dodge Caravan Car Insurance

It costs around $74 a month for liability or $120 for a full coverage policy for the 2003 Caravan.

With rates as little as $19 monthly, Clearcover offered the most affordable policy we found for the 2003 Dodge Caravan.

If you're looking for a more exact figure on what you should pay for car insurance for a 2003 Dodge Caravan, you can get free quotes in minutes by just entering your ZIP code below.

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2002 Dodge Caravan Car Insurance

You can expect full coverage for a 2002 Dodge Caravan to run about $98 per month, while liability only coverage will average around $62 a month.

Looking for the lowest policy? Dairyland offered liability only coverage for as cheap as just $19 monthly.

What will your insurance premium be? Just enter your ZIP code below to get a variety of customized quotes for free.

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2001 Dodge Caravan Car Insurance

2001 Caravan drivers can expect to pay an average of $63 per month for liability or $100 for full coverage.

We found MetLife offered the cheapest policy, with rates as cheap as $20 monthly.

If you want to know exactly how much you can expect to pay for your Caravan, just enter your ZIP code below and get several free quotes in minutes.

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2000 Dodge Caravan Car Insurance

On average, drivers who own a 2000 Dodge Caravan can expect to pay $64 to $94 a month for liability only and full coverage car insurance, respectively.

MetroMile has premiums sometimes as little as $16 per month for the 2000 Dodge Caravan.

Want to know exactly how much you'll pay? Enter your ZIP code below to get lots of customized quotes for free.

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1999 Dodge Caravan Car Insurance

It costs about $64 monthly for liability or $93 for a full coverage policy for the 1999 Caravan.

If you're looking for the most affordable 1999 Dodge Caravan insurance policy, Liberty Mutual offered the most affordable policy we found, with rates as low as just $18 a month.

If you want to know exactly how much you can expect to pay for your Caravan, just enter your ZIP code below and get free quotes in minutes.

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1998 Dodge Caravan Car Insurance

The average cost to insure a 1998 Dodge Caravan with liability only coverage is $55 monthly, while full coverage runs around $88 a month.

With prices as cheap as just $16 per month, Sun Coast offered the lowest policy we found for the 1998 Dodge Caravan.

While these are good estimates of what the average driver might pay to insure a 1998 Dodge Caravan, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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1997 Dodge Caravan Car Insurance

On average, drivers who own a 1997 Caravan can expect to pay $59 to $93 a month for liability only and full coverage auto insurance, respectively.

Good2Go offered the cheapest policy we found, with rates sometimes as little as $20/mo per month.

While these are good estimates of what the average driver might pay to insure a 1997 Dodge Caravan, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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1996 Dodge Caravan Car Insurance

1996 Dodge Caravan drivers can expect to pay an average of $54 monthly for liability or $69 for full coverage.

With prices as little as just $21 a month, Gainsco offered the most affordable policy we found.

What could your insurance rate look like? Enter your ZIP code below to get several free personalized quotes.

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1995 Dodge Caravan Car Insurance

It costs about $54 monthly for liability or $73 for a full coverage policy for the 1995 Caravan.

We found Elephant offered the lowest policy, with rates sometimes as low as $18 per month.

If you want to find the best premiums for car insurance for a 1995 Dodge Caravan, enter your ZIP code below and compare numerous personalized quotes in just a few minutes.

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Dodge Caravan Insurance FAQs

Is a Dodge Caravan expensive to insure?

Liability insurance runs an average of $65 monthly, while full coverage will cost you around $107. The Dodge Caravan is less expensive to insure compared to the average truck.

How can I get the best price on car insurance for my Dodge Caravan?

The only way to confirm you're getting the cheapest price on auto insurance is to check prices regularly and compare quotes from many carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a wide array of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Dodge Caravan affect my insurance prices?

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's actually not true. Although there are a variety of things insurance carriers use when they decide how much to charge for a policy, the color of your vehicle is not one of them.

Do I need to have insurance before I buy a Dodge Caravan?

Before you can legally drive your new (or new to you) Dodge Caravan off the dealership lot, you'll need to have a valid car insurance policy. As part of the buying process, some dealerships might offer you a car insurance policy, but the best thing to do when buying a a new truck is to let your insurance company know beforehand.

What car insurance discounts can I get for my Dodge Caravan?

There are many different discounts out there for auto insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are based less on your Caravan and more on you, but if your Caravan has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may be eligible for certain discounts. To find out which discounts you may receive, talk with your insurance agent and ask about their discounts.