How much are car insurance rates for a Dodge Caravan?

The average Dodge Grand Caravan car insurance rates are $106/mo in the US. Comparison shopping for Dodge Grand Caravan car insurance rates may lower your car insurance rates by up to 20%.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 10, 2020

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Here's what you need to know...

  • The Dodge Caravan is one of the cheapest vehicles to insure
  • Many factors make up your car insurance premiums including vehicle factors and human factors
  • The Caravan has several standard safety features

Depending on the model year, the Dodge Caravan may be cheaper to insure than the national average.

According to Auto Guide’s list of the 10 Cheapest Vehicles to Insure, customers who bought the 2015 model could expect to pay approximately $1,158 for annual insurance coverage.

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When an insurance company is working up a quote for a customer who wants to insure a Dodge Caravan, it looks at several factors, including the vehicle’s crash safety rating.

Calculating car insurance costs for the Dodge Caravan, or any other vehicle, must also include a human factor since it will be operated by a human.

The car insurance company’s underwriters also keep track of statistics about people who belong to different categories for insurance purposes. This information is used to help determine the level of risk that an applicant presents.

If an insurance company determines that an individual is a high-risk driver, he or she is going to be paying more for their coverage.

How do companies set car insurance rates?

Several criteria are used by your car insurance company to set your annual premium:

  • Driving history – A person who has a clean driving record will be able to qualify for better rates than an individual who has a history of one or more at-fault accidents or moving violations. The insurance company uses past events as a way to predict how a driver will behave in the future.
  • Age and gender – Young drivers lack experience behind the wheel, and they pay the highest rates for care insurance coverage. Teenage male drivers are charged the highest rates of all because they are most likely to engage in risky behavior.
  • Location – Customers who live in an area with a history of multiple car thefts are going to be paying higher premiums.

Those living in urban areas where there are many cars on the road, and there is a higher likelihood of being involved in an accident, will also be paying more for their coverage.

In contrast, customers who live in rural areas tend to pay less for their car insurance because there are fewer cars on the road where they live.

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How does the Dodge Caravan impact my car insurance rates?

The Dodge Caravan is a popular family minivan that has been on the market since 1984. It has several features that make it desirable:

  • The Grand Caravan offers a number of features that include “Stow ‘n Go” second-row seating to expand the cargo area when required.
  • Sirius backseat TV is another attractive feature available with this model. The Caravan’s features also include a dual screen DVD entertainment system, removable table and a sun shade for the second and third row of seats.
  • It gets a very respectable 17 miles per gallon in the city and 24 miles per gallon for highway driving.
  • The Dodge Caravan has been awarded a five-star rating on side impact crashes. The cabin is equipped with airbags to protect the driver and front seat passenger. It also has side curtain airbags to give occupants a higher level of protection while on the road.

What all this means is that the Dodge Caravan is considered a safe, family vehicle which makes it less risky to insure than most other vehicles on the market. The fact that it is marketed to parents is another point in your favor, as far as lower car insurance costs go.

To find the best prices for Dodge Caravan insurance, a driver should make a point of shopping around for coverage. If an individual is in the market for a new vehicle, it’s the perfect time to consider different providers.

Insurance rates for the same vehicle can vary significantly between providers. Each company uses its own proprietary formula to determine how much to charge its customers.

They may all consider the same or similar factors when setting rates, but that doesn’t mean that each company gives the same weight to all of them.

For this reason, taking the time to get quotes from several companies is the best way for a customer to make sure that they are not overpaying for their car insurance coverage.

Going online is an effective strategy for modern consumers who want to get the information they need to make a buying decision quickly and conveniently.

A few clicks of the mouse can provide a customer with general information about the company itself, the products it offers and how well it treats its customers.

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