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Which minivan has the cheapest 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
Car insurance rates for minivans by insurance company
Based on The Zebra's database of car insurance premiums by vehicle type, minivans are the cheapest type of car to insure. On average, a minivan costs $1,329 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 the cheapest for you.
- Chrysler Pacifica
- Chrysler Town and Country
- Dodge Grand Caravan
- Honda Odyssey
- Kia Sedona
- Nissan Quest
- Toyota Sienna
With a list price of $27,235 and monthly premiums averaging $114, the Chrysler Pacifica is near the middle of the pack in terms of the overall price and insurance cost. The cheapest car insurance for the Pacifica is available via GEICO and Nationwide.
ANNUAL INSURANCE PREMIUMS: CHRYSLER PACIFICA
Chrysler Town and Country
The Chrysler Town and Country has a higher listed value than the Pacifica at $31,000, and among the other minivans surveyed it's also the most expensive to insure. Start your search for Chrysler Town and Country car insurance with Progressive and Nationwide. On average, the Town and Country has an annual insurance premium of $1,480.
ANNUAL AVERAGE INSURANCE RATES: CHRYSLER TOWN AND COUNTRY
Dodge Grand Caravan
Advertised as a "versatile family van," the Dodge Grand Caravan is a popular model. It sits at the middle-to-high end of the list price and insurance cost scale, with a value of $27,645 and an average annual premium of $1,304. If you're considering purchasing a Grand Caravan, Nationwide is an affordable place to start your search for insurance.
ANNUAL DODGE GRAND CARAVAN INSURANCE RATES
Although the Honda Odyssey has one of the most expensive list prices among surveyed minivans, it's the cheapest of the group to insure. This popular minivan will set you back over $30,000 to buy, but will only cost approximately $89 per month to insure (via Nationwide).
ANNUAL HONDA ODYSSEY INSURANCE RATES
Of the minivans we examined, the Kia Sedona had the second-lowest insurance costs and as the third-cheapest list price. The Sedona sells for $27,400 and carries a low average monthly premium of $107. The most affordable insurer, Progressive, offers a monthly premium of just $103.
YEARLY INSURANCE PREMIUMS FOR A KIA SEDONA
Although the Nissan Quest is the cheapest minivan to buy, it's on the expensive side to insure, compared to other minivans. Listed at $26,580, average insurance costs for the Quest total $111 a month to insure. It's possible to pay less by shopping around for a suitable policy. Start with Nationwide and Progressive, offering average Nissan Quest insurance rates of about $109 per month.
ANNUAL INSURANCE COSTS FOR A NISSAN QUEST
With a list price at the top of the pack among minivans, the Toyota Sienna has a list price of $31,565 and is on the higher end when it comes to insurance costs. While it's more than $150 more expensive to insure per year than the Honda Odyssey, the cheapest options remain Nationwide and Progressive.
ANNUAL TOYOTA SIENNA INSURANCE RATES
Other ways to 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 filing an at-fault claim is about 42% 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 The Zebra's 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, like a vehicle you don't own, 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 collision claims. Comprehensive or uninsured property damage claims typically don't impact rates 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 $1,800.
AVERAGE RATE INCREASE AFTER AN AT-FAULT INSURANCE CLAIM
|Increase at 6 months||Increase at 12 months||Increase at 3 Years|
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)
- Telematics 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 Progressive and Nationwide will not be the cheapest car insurance companies for your van, but a different insurer may 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 tool. Enter your zip code below and discover the policy for you today.
Compare rates and save!
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.