Compare Minivan Insurance Rates [2023]

Overall, auto insurance for minivans is cheap compared to other vehicles. However, many variables are involved in determining insurance rates for minivans, including what make and model you drive, where you live, and your unique demographics, so some drivers may have higher rates than others. This makes it important to still compare minivan insurance rates with a car insurance calculator.

Read on to learn about car insurance for minivans, and get the best minivan insurance rates by entering your ZIP code into our FREE quote comparison tool above.

Average Minivan Car Insurance Rates

The average cost of minivan insurance changes depending on what make and model you purchase. However, even if you buy the cheapest minivan to insure, other individual factors will still impact your rates.

If you’re looking at your rates and wondering, “Why is insurance on a minivan so expensive?”, it probably has more to do with your driving record or credit history than the vehicle itself.

Your location, age, driving record, and even credit history also impact your car insurance rates.

To help you estimate how much you might pay for coverage, check out the table below to see how much insurance is for a minivan based on make and model.

Read more: Compare Kia Car Insurance Rates

If you’re wondering what is the cheapest car to insure on the market, minivans are often the answer. The Dodge Grand Caravan in particular has the lowest insurance rates of any minivan.

The data also shows that brand matters. For example, how much would car insurance costs for a Saturn Relay, a minivan that was discontinued in 2007? As you can see from the above table, it is much higher than models still being manufactured today.

It’s important to do a minivan cost comparison to ensure you’re getting the best rates. If you want the best bang for your buck, invest in a newer, more popular model that has not been discontinued.

Why are minivans cheaper to insure than other vehicles?

As we said before, minivans are often the answer if you’re wondering, “What are the least expensive cars to buy car insurance for?” Now that we’ve looked at the average cost of minivan insurance, let’s discuss why those rates are so low.

Whether you drive a high-end minivan or the cheapest minivan on the market, you’ll likely secure low car insurance quotes. There are two reasons why typical minivan coverage rates are so low.

Firstly, minivans offer reliable protection if you get into a car accident. Bigger vehicles are safer than SUVs, which are more likely to roll over when involved in a collision. Minivans are also more affordable to fix and easy to drive.

Minivans often receive nearly perfect safety ratings from places like the Insurance Institute for Highway Safety. Check out how the IIHS rated leading minivan models in the following table.

Surprisingly, the 2019 Dodge Grand Caravan has the worst ratings in the group. The National Highway Traffic Safety Administration also gives the Dodge Grand Caravan a lower safety rating of four stars. Owners of these newer models may see an increase in insurance rates.

Crash test ratings for older models of minivans have also recently been updated. The IIHS explores the safety rating updates on these models in the following video.

The risk of serious injury is usually reduced if you drive a minivan, which means less money spent on claims by insurance companies. Choosing a minivan with great ratings, like the 2018 Chrysler Pacifica or Honda Odyssey, will usually lead to lower insurance rates.

The second reason minivan insurance costs are lower than other vehicles is because of the main demographic of their drivers. Parents often drive with their children in minivans. To insurance companies, this demonstrates a level of responsibility that makes minivan drivers low-risk. They’re less likely to drive recklessly or get into an accident because they’re focused on keeping their children safe.

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What will affect my car insurance rates for a minivan?

Besides your vehicle’s make and model, a major factor that determines your insurance quote is your driving record. You may drive one of the cheapest cars to insure in 2020, but your rates will still be higher if you have a rocky driving history.

Driving experience also comes into play when determining rates. In many states, this is directly related to the age of the driver.

A 16-year-old driver is almost guaranteed to pay more for car insurance than someone who is 26.

However, because rates change for car insurance by vehicle, teenagers driving the cheapest minivan to insure might save on insurance costs.

Location also impacts coverage rates. States like Maine have lower average car insurance premiums than Florida or Louisiana, where insurance is the highest in the country.

All of these factors make it tricky to generalize car insurance rates. For these reasons, we always recommend comparison shopping before purchasing coverage.

Best Insurance Company for a Minivan

You aren’t going to find one particular car insurance company with a better overall rate for minivans than other companies. Specialty car insurance is not available for minivans because they are not a specialty vehicle (learn more: Compare Specialty Car Insurance Rates). There are also car insurance companies that only sell car insurance for classic cars and for high-end vehicles, such as Porsches.

If you are wondering about particular car insurance companies and the rates that they charge overall, Weiss Ratings or J.D. Power may be good places for you to find rating information for different insurance companies. Although these ratings are more about the overall performance of a company, they can give you a good idea about what providers are reliable when it comes time to consider your insurance options.

How much is your minivan insurance? Compare cheap quotes online by entering your ZIP code into our FREE tool below.

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