Minivan Insurance Rates
Car insurance for minivans is some of the least expensive thanks to their safety features and driver demographics. Some minivan insurance rates are as low as $96.50/mo. Comparison shopping can help lower your car insurance.
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UPDATED: Jun 2, 2022
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- Minivans are among the cheapest vehicles to insure.
- Some minivans cost as low as $96.50 per month for car insurance.
- Your driving history and experience will make a big impact on your insurance rates.
Overall, auto insurance for minivans is cheap compared to other vehicles. Many variables are involved in determining insurance rates for minivans, including what make and model you drive, where you live, and your unique demographics.
Minivans have many safety features that help keep drivers and passengers safe. That also helps keep your insurance rates low. Follow our comprehensive car insurance guide to learn how to save even more with your minivan.
Get the best minivan insurance rates by entering your ZIP code into our FREE quote comparison tool above.
Average Minivan 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.
|Minivan Make and Model||Average Annual Car Insurance Rates|
|Dodge Grand Caravan||$1,158|
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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.
|Minivan Make and Model||Small Overlap Front|
|Small Overlap Front|
|Moderate Overlap Front||Side||Roof||Head Restraints and Seats|
|Dodge Grand Caravan||Poor||Not Tested||Good||Good||Good||Good|
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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. There are 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.
Frequently Asked Questions: Rates for Insuring a Minivan
#1 – What is the recommended insurance for a minivan?
You should purchase at least your state’s minimum standards for insurance. If you decide to purchase a policy in which your minivan has less insurance than your state’s minimum standards, you could face fines or lose your license and vehicle registration.
You may consider adding more to your policy depending on your unique needs. Just be sure you use a reputable company and do not fall victim to any minivan insurance scams.
#2 – What is the cheapest small van to insure?
Insurance does not necessarily usually take into consideration the actual van’s size when calculating rates. For example, the Dodge Grand Caravan is one of the most affordable vans to insure but larger than many other minivans.
#3 – Is Acura expensive to insure?
Despite being a luxury line, Acura vehicles are relatively affordable to insure. While insurance costs by vehicle model do vary, Acura tends to be one of the more reasonably priced brands.
#4 – What are the cheapest vehicles to insure?
Minivans are some of the cheapest vehicles to insure. However, your rates depend more on your individual demographics than the type of vehicle you drive.
#5 – How much does a minivan cost?
A new minivan costs between $25,000 to $45,000 depending on what model you purchase.
#6 – What is the cheapest sedan to insure?
Classic sedans like the Honda Accord and Subaru Legacy are often very affordable to insure.
#7 – What is a minivan car?
A minivan is a vehicle designed to have passengers in the rear seating row. It is cheaper to insure a van than other types of vehicles.
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