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
  1. Cheapest rates by company
  2. How else can you save?
  3. Additional resources

 


 

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 Pacifica

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
CompanyPremium
Allstate$2,104
GEICO$1,441
Farmers$1,666
Liberty Mutual$1,483
Nationwide$1,196
Progressive$1,464
State Farm$1,481

 

Chrysler Town and Country

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
CompanyPremium
Allstate$2,087
GEICO$1,729
Farmers$1,686
Liberty Mutual$1,579
Nationwide$1,210
Progressive$1,274
State Farm$1,496

 

Dodge Grand Caravan

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
CompanyPremium
Allstate$1,854
GEICO$1,447
Farmers$1,444
Liberty Mutual$1,514
Nationwide$1,193
Progressive$1,231
State Farm$1,449

 

 

Honda Odyssey

Honda Odyssey

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
CompanyPremium
Allstate$1,833
GEICO$1,302
Farmers$1,464
Liberty Mutual$1,536
Nationwide$1,065
Progressive$1,157
State Farm$1,388

 

 

 

Kia Sedona

Kia Sedona

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
CompanyPremium
Allstate$1,890
GEICO$1,329
Farmers$1,601
Liberty Mutual$1,495
Nationwide$1,321
Progressive$1,238
State Farm$1,490

 

 

 

Nissan Quest

Nissan Quest

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
CompanyPremium
Allstate$2,174
GEICO$1,417
Farmers$1,582
Liberty Mutual$1,509
Nationwide$1,301
Progressive$1,319
State Farm$1,592

 

 

 

Toyota Sienna

Toyota Sienna

 

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
CompanyPremium
Allstate$2,029
GEICO$1,432
Farmers$1,645
Liberty Mutual$1,594
Nationwide$1,328
Progressive$1,328
State Farm$1,602

 

 

 


 

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, 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 monthsIncrease at 12 monthsIncrease at 3 Years
+$308.50+$617+$1,851

 

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:

 

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!

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

 

Additional information

 

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

 


 

Methodology

 

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.

The 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.

Some rate data may vary slightly throughout the report based on rounding.

Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.