Is Car Insurance Cheaper for a Sedan or Minivan?

Compare auto insurance rates for these two popular vehicle types before making your purchase.

Is car insurance cheaper for a sedan or minivan?

Outside of getting you from point A to point B, minivans and cars are very different vehicle types. For some, a sedan is a great option. Sedans are simple, compact, typically fuel-efficient, and oft-economical in terms of list price and insurance premiums. If a sedan is your starter vehicle of choice, a minivan could be your next pick. It’s great for towing the kids around, it's more spacious, and many minivans are designed with accessibility in mind. If you’re unsure which vehicle type is right for you, we can help. Let’s break down the costs of buying and insuring popular cars and vans to help you decide which is right for you.

Which is cheaper to insure and buy sedan or minivan?
  1. Is it cheaper to buy a sedan or minivan?
  2. Is it cheaper to insure a sedan or minivan?
  3. Final thoughts: which vehicle is right for you?

Is it cheaper to buy a sedan or minivan?

On average, it’s about $8,084 more expensive to buy a minivan than to purchase a sedan. If we look more closely at particular models and their corresponding costs of ownership, some disparities emerge.

Minivan vs. sedan cost of ownership

List value: minivansList value: sedans
Chrysler Pacifica - $26,995Chevrolet Cruze - $16,975
Chrysler Town and Country - $29,995Honda Accord - $18,640
Honda Odyssey - $30,090Ford Fusion - $22,750
Kia Sedona - $27,000Nissan Altima - $22,500
Nissan Quest - $26,580Honda Civic - $18,640
Toyota Sienna - $30,750Toyota Camry - $18,640
Dodge Grand Caravan - $26,250Toyota Corolla - $18,500
Average minivan insurance cost - $28,237Average sedan insurance cost - $20,154

Nearly $8,000 separates the list price of the most expensive van (Toyota Sienna) from the most expensive sedan (Nissan Altima). Between the cheapest sedan (Chevy Cruze) and cheapest van (Dodge Grand Caravan), there’s a gap of nearly $10,000. Vans and sedans serve vastly different purposes aside from simple transportation. If you’re on the fence about which vehicle is right for you, the price of purchase could be a deciding factor.

Is car insurance cheaper for a sedan or van?

Unlike the cost of buying a van, the cost to insure a minivan isn’t that different from the cost of insuring a sedan. While there will be considerable difference between individual car insurance companies' costs — and on a model-by-model basis — the average cost of insurance for a minivan is only $6 more expensive per year than the cost to insure a sedan.

Average auto insurance premiums for sedans and minivans

Average auto insurance rates: minivansAverage auto insurance rates: sedans
Chrysler Pacifica - $1,498Chevrolet Cruze - $1,372
Chrysler Town and Country - $1,363Honda Accord - $1,421
Honda Odyssey - $1,451Ford Fusion - $1,444
Kia Sedona - $1,307Nissan Altima - $1,504
Nissan Quest - $1,421Honda Civic - $1,463
Toyota Sienna - $1,531Toyota Camry - $1,478
Dodge Grand Caravan - $1,451Toyota Corolla - $1,486
Minivan insurance price average - $1,458Sedan insurance price average - $1,453

Between the least expensive sedan to insure (Chevy Cruze) and the least expensive van (Honda Odyssey), there’s just a $65 annual difference —with the van being less expensive to insure. For the most expensive-to-insure sedan (Nissan Altima) compared to the Toyota Sienna, insuring the sedan is cheaper. On average, the Altima costs $133 less per year to insure than does the Sienna.

Final thoughts: minivan or sedans?

If you’re debating whether to buy a sedan or not and it’s coming down to the price, the actual list price will may be more of a determining factor than the annual premium. Although there is variability based on the model and your insurance company, our data shows that overall insurance costs are similar between minivans and sedans. For more information regarding vans and sedans, see our individual articles below or find your exact make and model here.

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Methodology: how we determine our insurance costs

Between September and December 2017, The Zebra conducted comprehensive car insurance pricing analysis using its proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra examined nearly 53 million rates to explore trends for specific auto insurance rating factors across all United States zip codes, averaged by state, including Washington, DC.

Analysis used a consistent base profile for the insured driver: a 30-year-old single male driving a 2013 Honda Accord EX with a good driving history and coverage limits of $50,000 bodily injury liability per person/$100,000 bodily injury liability per accident/$50,000 property damage liability per accident with a $500 deductible for comprehensive and collision.

For coverage level data, optional coverage (that must be rejected in writing) is included where applicable, including uninsured motorist coverage and personal injury protection.

National property and casualty losses information is from the Insurance Information Institute and the NOAA National Centers for Environmental Information U.S. Billion-Dollar Weather and Climate Disasters report.

For vehicle make and model data, analysis referenced the most popular vehicles in the U.S. by 2016 year-end sales according to’s automakers’ data. Finally, some rate data may vary slightly throughout report based on rounding.

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