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

Quick Facts

• A Dodge Grand Caravan costs about the same to insure as the average truck.
• Liability only insurance premiums for a Grand Caravan run about $71 monthly, while full coverage usually tends to be around $133 per month.
• The cheapest auto insurance company for a Grand Caravan is JustInsure, who offers liability only coverage for as cheap as $38 a month, on average.

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Grand Caravan Overview

With 2020 models starting at $27,530, the Dodge Grand Caravan is a great car for drivers on a budget. There are four different trim levels currently offered, so there's an option for every driver.

After analyzing thousands of car insurance quotes through Compare.com, we've determined that average Dodge Grand Caravan insurance rates run about $135 monthly. Where does that fall compared to the rest of the market?

How Much is Car Insurance for a Dodge Grand Caravan?

In the table above, you'll find that auto insurance prices for a Dodge Grand Caravan are more affordable than average. Grand Caravan drivers generally pay around $71 per month for liability insurance, and about $133 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

When you compare it to other Dodge models, the Grand Caravan is less expensive, with rates around 26% lower than the rest of the automaker's vehicle lineup. However, Grand Caravan coverage is higher than average when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging more expensive prices than other trucks.

When compared to all vehicles of any body type, car insurance premiums for both full coverage and liability only policies run higher than average.

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Who has the Cheapest Car Insurance for a Dodge Grand Caravan?

If you're in the market for a car insurance policy for a Dodge Grand Caravan, you may want to know which carrier offers the lowest rates. Even though rates can shift pretty significantly from driver to driver, Aspire provides the lowest average rates for liability only coverage, with rates as cheap as just $32 a month. The runner up for most affordable rates is StateAuto, with insurance policies starting as low as $33 per month.

Hugo, MetroMile, and JustInsure round out the end of the top 5 list. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

After all, car insurance carriers look at a bunch of variables when calculating premiums, so your results might be different. By getting quotes from an array of auto insurance companies at once, you can be sure you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Dodge Grand Caravan?

As we mentioned above, there are a multitude of things that insurance carriers consider to choose how much they charge for car insurance -- and each company weighs certain variables more than others, so there's not a singular carrier that's the most affordable for every Grand Caravan driver.

Below are just a few of the factors auto insurance companies look at and how each one affects your final rate:

Vehicle Age

The Dodge Grand Caravan has been around for a while, so vehicle age may play a big role in what you end up paying for car insurance. Normally, it costs less to insure older cars because they're worth less than newer models, and as time goes on and Grand Caravans begin to depreciate, insurance costs will gradually go down.

Based on the information in the above table, the Dodge Grand Caravan is not quite in line with this trend, as the cheapest models to insure are those that are 1 year old or less, while on average, the most expensive Grand Caravans are 2 to 3 years old.

Your Age

Age is another factor that makes a significant difference in how much auto insurance carriers will charge. Based on the information in the table above, younger Grand Caravan drivers pay more expensive prices compared to drivers with more experience. In this case, drivers under 18 pay $25 more than those 25 or older.

Insurance prices continue to go lower as you get older, with drivers aged 65 years and older making up the cheapest age group for the Grand Caravan.

Your Gender

Did you know men typically pay more for insurance than women? This is because men are more likely to get tickets and get into collisions, which increases the chances of an insurance claim. When it comes to Grand Caravan drivers specifically, men pay about $7 more than women a month for auto insurance.

Where You Live

You're probably already aware that variables such as how old you are and what vehicle you drive play a role in your insurance premiums, but did you know that where you live matters just as much? Because car insurance is regulated at the state level, prices vary quite a bit depending on which state you're located in.

For example, the average Dodge Grand Caravan owner in New York pays around $160 per month for liability coverage. Meanwhile, the same Californian driver will pay less than half of that price, on average. The chart above shows average rates for the 10 largest states by population, just to give you a good idea of how much premiums can change between states.

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Dodge Grand Caravan Car Insurance Discounts

Whatever your car, your age, or your home state, it's always in your best interest to take advantage of as many auto insurance discounts as possible when shopping around for a new policy.

Even though all insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include things like:

• Multi-car discounts for having several vehicles on your auto policy
• Pay-in-full discounts for drivers who agree to pay their entire policy price at once, rather than by monthly payments
• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings

However, discounts aren't the only way to save. Often, it's actually having a favorable driving record and insurance profile that get you the best rates.

Although you may not be able to control every variable car insurance companies examine to calculate rates (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the ones you can use in your favor in order to save on insurance:

Your Driving Record

It's no secret that auto insurance carriers offer the cheapest premiums to drivers with clean records. It shouldn't come as a surprise that if you get a speeding ticket or get into an accident, car insurance prices will increase. But you're probably wondering exactly how much these infractions will cost you.

If you look at the table above, you'll see that accidents will usually cost Grand Caravan drivers more than tickets, but both will result in higher than normal rates. Dodge Grand Caravan drivers with a single ticket will pay an average of $81 monthly, while drivers with one accident on their record pay about $85 per month (up $14 from the $71/mo. overall average). Those with multiple kinds of either violation will end up paying even more.

How Much You Drive

The total amount of miles you drive impacts your auto insurance premiums. Drivers who are on the roads less often have fewer opportunities to get into an accident, so they'll normally end up spending less on car insurance. In the table above, you can see that Dodge Grand Caravan owners who drive less than 2,500 miles pay $78 for insurance, while those who drive between 5,000 and 7,500 miles a year pay about $62 per month.

If you happen to be one of those drivers who put very few miles on your Dodge Grand Caravan each year, it may be worth reviewing usage-based or pay-per-mile car insurance. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Dodge Grand Caravans Compare to Other Vehicles?

If you're thinking about making a Dodge Grand Caravan your next purchase, it might be helpful to do your research. Auto insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth considering.

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

As you can see, a Dodge Grand Caravan is a great value when it comes to overall price tag. While the average vehicle MSRP in the U.S. is $46,547, the Grand Caravan starts at just $27,530.

Likewise, insurance prices run below average when compared to the rest of the vehicle market. Liability insurance for a Dodge Grand Caravan is about $17 per month less than average, while full coverage is over $30 less monthly.

When it comes to usage, Dodge Grand Caravan drivers are near the national average in annual miles driven, with 11,520 miles each year compared to 11,617 for all vehicles.

Dodge Grand Caravan Car Insurance Costs by Model Year

So far, you've seen how different things affect how much the average driver pays to insure a Dodge Grand Caravan. But if you're thinking about buying a new vehicle and the Grand Caravan is one you're considering, knowing what you'll likely pay can be helpful as you consider your choices.

Choose Your Model

2020 Dodge Grand Caravan Car Insurance 2019 Dodge Grand Caravan Car Insurance 2018 Dodge Grand Caravan Car Insurance 2017 Dodge Grand Caravan Car Insurance 2016 Dodge Grand Caravan Car Insurance 2015 Dodge Grand Caravan Car Insurance 2014 Dodge Grand Caravan Car Insurance 2013 Dodge Grand Caravan Car Insurance 2012 Dodge Grand Caravan Car Insurance 2011 Dodge Grand Caravan Car Insurance 2010 Dodge Grand Caravan Car Insurance 2009 Dodge Grand Caravan Car Insurance 2008 Dodge Grand Caravan Car Insurance

2020 Dodge Grand Caravan Car Insurance

On average, drivers who own a 2020 Dodge Grand Caravan can expect to pay $64 to $136 a month for liability only and full coverage car insurance, respectively.

Clearcover has premiums as little as just $52 per month for the 2020 Dodge Grand Caravan.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2019 Dodge Grand Caravan Car Insurance

You can expect full coverage for a 2019 Grand Caravan to run around $148 a month, while liability only coverage will average about $85 monthly.

With rates sometimes as low as $20 a month, MetroMile offered the lowest policy we found for the 2019 Dodge Grand 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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2018 Dodge Grand Caravan Car Insurance

It costs around $69 monthly for liability or $153 for a full coverage policy for the 2018 Dodge Grand Caravan.

With prices as little as $26 per month, Aspire offered the most affordable policy we found.

Want to know just how much you'll pay? Get several free customized quotes by just entering your ZIP code below.

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2017 Dodge Grand Caravan Car Insurance

The average cost to insure a 2017 Grand Caravan with liability only coverage is $111 monthly, while full coverage runs about $155 a month.

MetroMile offered the cheapest policy we found, with rates as low as just $21 per month.

These average rates are a great starting point if you're in the market for a 2017 Dodge Grand Caravan, but there are a bunch of different factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2016 Dodge Grand Caravan Car Insurance

2016 Dodge Grand Caravan drivers can expect to pay an average of $79 monthly for liability or $140 for full coverage.

Looking for the most affordable policy? Liberty Mutual offered liability only coverage for sometimes as cheap as $16 a month.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

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2015 Dodge Grand Caravan Car Insurance

The average cost to insure a 2015 Grand Caravan with liability only coverage is $58 per month, while full coverage runs around $137 monthly.

We found Liberty Mutual offered the lowest policy, with rates sometimes as little as $16 per month.

Interested in just how much you'll pay? Enter your ZIP code below to get lots of free customized quotes.

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2014 Dodge Grand Caravan Car Insurance

It costs about $78 a month for liability or $136 for a full coverage policy for the 2014 Dodge Grand Caravan.

If you're looking for the lowest possible 2014 Dodge Grand Caravan insurance policy, MetLife offered the cheapest policy we found, with rates as cheap as $19 monthly.

While these are good estimates of what the average driver might pay to insure a 2014 Dodge Grand Caravan, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2013 Dodge Grand Caravan Car Insurance

You can expect full coverage for a 2013 Grand Caravan to run around $135 per month, while liability only coverage will average about $76 a month.

With premiums as cheap as just $21 per month, DirectGeneral offered the lowest policy we found.

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

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2012 Dodge Grand Caravan Car Insurance

2012 Dodge Grand Caravan drivers can expect to pay an average of $71 a month for liability or $136 for full coverage.

Gainsco offered the cheapest policy we found, with rates as little as just $17 monthly.

Interested in what your auto insurance price could look like? Just enter your ZIP code below to get a variety of free customized quotes.

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2011 Dodge Grand Caravan Car Insurance

On average, drivers who own a 2011 Grand Caravan can expect to pay $71 to $136 a month for liability only and full coverage insurance, respectively.

If you're looking for the cheapest possible 2011 Dodge Grand Caravan insurance policy, Mercury offered the most affordable policy we found, with rates as low as just $18 monthly.

While these are good estimates of what the average driver might pay to insure a 2011 Dodge Grand Caravan, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2010 Dodge Grand Caravan Car Insurance

You can expect full coverage for a 2010 Dodge Grand Caravan to run around $123 per month, while liability only coverage will average about $76 a month.

Mercury has rates sometimes as low as $19 monthly for the 2010 Dodge Grand Caravan.

Interested in what your auto insurance rate will be? Get multiple personalized quotes for free by just entering your ZIP code below.

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2009 Dodge Grand Caravan Car Insurance

2009 Grand Caravan drivers can expect to pay an average of $76 per month for liability or $120 for full coverage.

We found Mile Auto offered the cheapest policy, with rates as low as $19 monthly.

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

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2008 Dodge Grand Caravan Car Insurance

The average cost to insure a 2008 Dodge Grand Caravan with liability only coverage is $76 a month, while full coverage runs around $123 per month.

With premiums as little as $19 a month, Gainsco offered the most affordable policy we found for the 2008 Dodge Grand Caravan.

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

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Dodge Grand Caravan Insurance FAQs

Is a Dodge Grand Caravan expensive to insure?

It costs about the same to insure a Dodge Grand Caravan as insuring the average vehicle. Liability insurance runs an average of $71 per month, while full coverage will cost you around $133.

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

The only way to guarantee you're getting the lowest price on insurance is to check prices regularly and compare quotes from a wide array of companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a bunch of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Dodge Grand Caravan affect my insurance rates?

You may have heard that it costs more to insure red cars than silver or white ones, but that's actually a myth. There are a variety of variables car insurance companies use when they decide your insurance rate, but the color of your vehicle is not factored into that decision.

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

You'll need to have a car insurance policy in place before you can legally driver your new (or new to you) Dodge Grand Caravan off the dealership lot. As part of the buying process, some dealerships might offer you an auto insurance policy, but it's best to let your auto insurance carrier know ahead of time.

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

There are a whole range of discounts out there for car insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are more based on you than the Grand Caravan you drive, but if your Grand Caravan has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The only way to know is to talk with your insurance agent and ask about their discounts, since they fluctuate quite a bit from carrier to carrier.