Finding cheaper auto insurance for a Dodge Grand Caravan is dependent upon a lot of factors such as how old the vehicle is, whether or not you have prior claims, and driving citations. Drivers pay around $904 each year for Grand Caravan insurance, but that amount is an estimation calculated using a 50-year-old single female driver with both comprehensive and collision coverage and $250 deductibles.
But there is a good chance that you may not be 50 years old (or even female), maybe you are married instead of single, or maybe you need higher liability limits than the state minimum. Even a slight change in rating factors or requested coverage amount can result in a massive change in the cost of insuring your Grand Caravan.
This illustrates why the best method for finding cheap insurance rates for your Dodge is to just take the time to compare rates yourself. Quotes only take a few minutes and you can get prices from some of the most affordable companies in Minnesota.
The trim level of your Grand Caravan will most likely have an effect on the insurance rate, so the price you pay to insure a Grand Caravan CV will be $100 cheaper than the insurance cost for the more costly Grand Caravan SXT version, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $210 | $332 | $358 | $22 | $108 | $1,030 | $86 |
| Grand Caravan SE | $210 | $332 | $358 | $22 | $108 | $1,030 | $86 |
| Grand Caravan Hero | $210 | $404 | $358 | $22 | $108 | $1,102 | $92 |
| Grand Caravan Crew | $238 | $404 | $358 | $22 | $108 | $1,130 | $94 |
| Grand Caravan SXT | $238 | $404 | $358 | $22 | $108 | $1,130 | $94 |
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Minnesota minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Estimates do not factor in specific zip code location which can change prices greatly.
Choosing a good quality insurer can be difficult considering how many companies provide coverage in Minnesota. The information displayed below may help you decide which coverage providers to look at comparing prices from. These ratings are for companies that insure vehicles nationwide, so smaller companies are not included in the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
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Data Source: Insure.com Best Car Insurance Companies
Rate increases following a ticket or accident
The obvious way to snag the most affordable car insurance rates for a Grand Caravan is to be a safe driver and avoid getting tickets or having accidents. The chart below demonstrates how traffic citations and at-fault claims can affect premium costs for different ages of insureds. The information is based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
In the chart above, the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,586. Get written up for two speeding tickets and the average cost rises to $2,114, an increase of $529 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Dodge Grand Caravan increases to an average of $4,233. That’s an increase of $2,648, or $221 per month, just for being a little careless behind the wheel!
Can you find cheaper Grand Caravan insurance?
Minneapolis car insurance rates are impacted by many things that control the price you pay. Simply turning a year older, increasing deductibles, or getting a reckless driving citation can cause premium changes that can cause some rates to be cheaper than competitors.
Also, car insurance companies file new Minnesota car insurance rates without warning in order to remain profitable. Higher than normal claims can cause a rate increase, while profitable underwriting may result in lower-priced Grand Caravan insurance rates.
To illustrate this point, the chart below shows which companies have the cheapest car insurance in Minneapolis, MN for a 35-year-old male driver with no prior accidents, a clean driving record, and a decent credit rating. Based on his current risk factors, Travelers might offer the cheapest car insurance rates in Minneapolis at $869 per year. This is $552 less than the average policy premium paid by Minnesota drivers of $1,421. USAA, Farm Bureau Mutual, Western National, and West Bend Mutual also make the list of the most affordable Minneapolis, MN auto insurance companies.
In this next rate comparison, we will give the driver in the first example a chargeable claim, a lower credit rating, and a traffic ticket or two. Since each company uses their own calculation for filing rates in each state, getting updated rate quotes will most likely result in a slightly different list of companies as shown below.
Farm Bureau Mutual now has the cheapest car insurance in Minneapolis, MN with USAA, Allied, Travelers, and California Casualty completing the list. This shows why Minnesota drivers need to spend some time comparing rates to find the cheapest auto insurance quotes for a Dodge Grand Caravan.
Rates are influenced by many risk factors and change substantially, so the best option the last time you checked may now be quite expensive.