Best Insurance for Minivans

Minivans may not be thrilling, but their insurance rates may be low enough to convince you to opt for a family-friendly ride.

Which minivan has the lowest insurance rates?


While you might have reluctantly traded your high-performance sports car for a minivan, there was probably a good reason for the swap. Whether you have kids, pets, or accessibility considerations, a van can come in handy. As such, you should protect your van with the best coverage — at the best price. Employing the user profile outlined here, we surveyed average annual minivan insurance rates from top insurance companies across the US to get a collection of the best rates.


Van insurance: tips and guides
  1. Cheapest insurance rates by company for minivans
  2. How else can you save?
  3. Additional resources




Car insurance rates for minivans by insurance company


Based on The Zebra's database of 2017 car insurance premiums by vehicle type, minivans are the cheapest type of car to insure. On average, a minivan costs $1,484 per year to insure, compared to approximately $1,700 for a sedan and around $1,500 for an SUV. Despite the savings your minivan provides, it's worth comparing providers to find the best rate. View our minivan insurance cost comparison tables below to see which option is cheapest for you.





Chrysler Pacifica


With a list price of $28,995 and monthly premiums averaging $127, the Chrysler Pacifica is near the middle of the pack in terms of overall price and insurance cost. The cheapest car insurance for the Pacifica is available via Farmers and Nationwide.

Annual Chrysler Pacifica insurance premiums

Company Premium
Allstate $1,603
Geico $1,521
Farmers $1,421
Liberty Mutual $1,539
Nationwide $1,391
Progressive $1,507
State Farm $1,660



Chrysler Town and Country


Although the Chrysler Town and Country has a higher listed value than the Pacifica and the other minivans surveyed, it's the second cheapest to insure. Start your search for Chrysler Town and Country car insurance with Farmers and Nationwide. On average, the Town and Country has an annual insurance premium of $1,383 and a list value of $29,995.

Annual average Chrysler Town and Country insurance rates

Company Premium
Allstate $1,466
Geico $1,376
Farmers $1,294
Liberty Mutual $1,387
Nationwide $1,248
Progressive $1,374
State Farm $1,534



Dodge Grand Caravan


Advertised as a "versatile family van," the Dodge Grand Caravan is a common minivan. It sits at the middle-to-high end of the list price and insurance cost scale, with a value of $28,995 and an average annual premium of $1,445. If you're considering purchasing a Grand Caravan, Nationwide is an affordable place to start your search for insurance, with average annual premiums $125 lower than those of competing insurers.

Annual Dodge Grand Caravan insurance costs

Company Premium
Allstate $1,545
Geico $1,496
Farmers $1,367
Liberty Mutual $1,524
Nationwide $1,350
Progressive $1,453
State Farm $1,592



Honda Odyssey


Although the Honda Odyssey has the most expensive list price among surveyed minivans, it's the cheapest of the group to insure. This popular minivan will set you back nearly $30K to buy, but will only cost approximately $102 per month to insure (via Nationwide).

Annual Honda Odyssey insurance rates

Company Premium
Allstate $1,410
Geico $1,329
Farmers $1,223
Liberty Mutual $1,340
Nationwide $1,222
Progressive $1,318
State Farm $1,472



Kia Sedona


Of the minivans we examined, the Kia Sedona had the lowest insurance costs and as the second-cheapest list price. The Sedona sells for $26,900 and carries a low average monthly premium of $120. The most affordable insurer, Nationwide, offers a monthly premium of just $112.

Annual Kia Sedona insurance premiums

Company Premium
Allstate $1,528
Geico $1,437
Farmers $1,332
Liberty Mutual $1,465
Nationwide $1,345
Progressive $1,437
State Farm $1,580



Nissan Quest


Although the Nissan Quest is the cheapest minivan to buy, it comes with the second-priciest insurance premium. Listed at $26,580, average insurance costs for the Quest total $130 a month to insure. It's possible to pay less by shopping around for a suitable policy. Start with Nationwide and Farmers, offering average Nissan Quest insurance rates of $116-119 per month.

Annual Nissan Quest insurance costs

Company Premium
Allstate $1,618
Geico $1,616
Farmers $1,402
Liberty Mutual $1,631
Nationwide $1,432
Progressive $1,559
State Farm $1,718



Toyota Sienna


With a list price near the middle of the pack among minivans, the Toyota Sienna is the most expensive of the class to insure. While it's more than $300 more expensive to insure per year than the Honda Odyssey, the cheapest options remain Nationwide and Farmers.

Annual Toyota Sienna insurance rates

Company Premium
Allstate $1,755
Geico $1,659
Farmers $1,556
Liberty Mutual $1,661
Nationwide $1,525
Progressive $1,650
State Farm $1,818




How else can you save?


Although we’ve established minivans are not as expensive to insure as sedans or SUVs, saving money never hurts. Let’s break down some simple and easy steps that could save you a lot of money on your car insurance.


Be smart with your claims

If you’re new to car insurance, you might not understand the financial consequences affiliated with filing a claim. Unless you have accident forgiveness built into your policy, filing a claim will cause you to be rated, i.e., charged, for at-fault accidents for three years. While it depends on your state, the average increase for filling an at-fault claim averages 48% per year. If you’ve been in an accident and are considering filing a claim, follow our guide below to see if it’s financially worth the rate increase to file a claim.

  • Get an estimate for repairs at a local repair shop
  • Use our State of Insurance analysis to see how much an at-fault accident would raise your rates in your state. Again, consider this value for a three-year period.
  • Compare the rate increase plus your deductible to the out-of-pocket value. Choose the lower-cost option.

If you’ve damaged someone else’s vehicle, you are at the mercy of the other party in terms of involving insurance companies. If the other driver does not want to be paid out of pocket for the damage, which is common, you don’t have a choice: insurers are going to get involved. We’re primarily talking about collisionclaims. Comprehensive or uninsured property damage typically don't impact your rate as much.

While rate increases for at-fault claims vary considerably by state, we've calculated the average rate hikes across the US. As you can see, an at-fault accident will —over the three-year period — raise your rate by more than $1,700.


Average Rate Increase After an At-Fault Claim

Increase at 6 months Increase at 12 months Increase at 3 Years
+$291 +$582 +$1,746


Always look for discounts

Although auto insurance discounts are typically small, they add up to cut down on your insurance bill. When looking for ways to save, consider the following:

  • Multi-policy discount
  • Good driver discount
  • Paperless discount
  • Payment by bank account
  • Paid in full discount (paying your premium in one payment)
  • Multi-vehicle discount
  • Good student (if you have teen drivers)
  • Telematic programs


Do your homework

While we did some of the legwork involved with finding affordable insurance for your minivan, understand that car insurance is incredibly specific to you. Consider this data a jumping-off point, not a golden rule. There will be plenty of times when Farmers and Nationwide will not be the cheapest car insurance companies for your van, but State Farm will be. The only way to make sure you’re getting the cheapest rates is to assess as many companies as possible. You can see car insurance quotes for your minivan model and your personal driving profile by using our comparison app. Enter your zip code below and discover the policy for you today.



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Additional information


Didn't get all your questions answered? See our additional articles for extra ways to save on car insurance.





Method to our madness: this is how we do it


Between September and December 2017, The Zebra conducted comprehensive auto 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 Goodcarbadcar.net’s automakers’ data.

Finally, some rate data may vary slightly throughout report based on rounding.