Finding the cheapest insurance for a Dodge Grand Caravan depends on an enormous amount of factors such as annual miles driven, your credit score, and if you have tickets or violations. Drivers will pay on average $1,401 annually to insure their Grand Caravan, but that price is a projection calculated based on a 50-year-old single male driver with full coverage and $100 deductibles.
There’s a good chance you may not be 50 years old (or even male), possibly married instead of single, and you want different coverage limits than the example. There is no perfect policy for every driver, so the best way to find the cheapest insurance price for your Dodge is to do the rate comparisons yourself.
Find Cheaper Dodge Grand Caravan Insurance
The trim level of your Dodge tends to impact the coverage cost, so the cost to insure a Grand Caravan CV will cost $170 less than the price to insure the high end Grand Caravan SXT trim level, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $326 | $582 | $500 | $30 | $150 | $1,588 | $132 |
| Grand Caravan SE | $326 | $582 | $500 | $30 | $150 | $1,588 | $132 |
| Grand Caravan Hero | $326 | $708 | $500 | $30 | $150 | $1,714 | $143 |
| Grand Caravan Crew | $370 | $708 | $500 | $30 | $150 | $1,758 | $147 |
| Grand Caravan SXT | $370 | $708 | $500 | $30 | $150 | $1,758 | $147 |
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Information does not factor in San Francisco location which can modify prices noticeably.
Figuring out which companies have the cheapest insurance rates for a Dodge Grand Caravan will require a little more work than just quoting one company’s rates.
Every auto insurer has their own formula for establishing rates, so let’s look at the rankings for the most budget-friendly insurance companies in California. Keep in mind that San Francisco, CA insurance rates are calculated based on many things that can increase the policy price. Simply turning a year older, getting married, or having an at-fault accident may cause policy rate changes resulting in some rates now being cheaper than before.
Lowest Insurance Price Quotes for Your Dodge
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,146 |
| 3 | CSAA | $1,222 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,477 |
| 8 | Progressive | $1,496 |
| 9 | GEICO | $1,529 |
| 10 | Mercury | $1,533 |
| 11 | Allied | $1,556 |
| 12 | Allstate | $1,559 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,654 |
| 15 | Esurance | $1,688 |
| 16 | State Farm | $1,733 |
| 17 | Unitrin | $1,750 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $2,026 |
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USAA may offer some of the most affordable car insurance rates in San Francisco at around $1,121 each year. This is $530 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also qualify as some of the lowest-priced San Francisco, CA car insurance companies.
As shown in the rates above, if you are currently insured with Century National and switched to Wawanesa, you might realize annual savings of in the neighborhood of $80. Policyholders with Nationwide may save as much as $117 a year, and 21st Century policyholders might cut rates by $192 a year.
Bear in mind that those rates are averaged across all drivers and vehicles and and are not calculated with an exact zip code location for a Dodge Grand Caravan. So the company that fits your needs best may not even be in the list above. That is why you need to get rate quotes using your own personal information and vehicle type.
The information below illustrates how your choice of deductibles can raise or lower insurance costs when searching for cheap insurance for a Dodge Grand Caravan. The price estimates are based on a married female driver, full physical damage coverage, and no other discounts are factored in.
As shown above, a 30-year-old driver could lower their policy premium by $366 a year by increasing from a $100 deductible up to a $500 deductible, or save $554 by selecting a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could lower their rates up to $784 or even more just by choosing higher deductibles.
When insureds make the decision to increase the deductibles on their policy, it will be important to have enough savings to offset the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Full coverage versus liability-only
Buying cheaper insurance is the goal of most people, and one of the quickest ways to pay less for insurance for a Dodge Grand Caravan is to only buy liability insurance. The information below illustrates the comparison of insurance premiums with and without physical damage coverage. The rates are based on no claims or driving violations, $1,000 deductibles, marital status is single, and no additional discounts are factored in.
As an average for all age groups, comprehensive and collision coverage on your policy costs an extra $2,222 per year more than just buying liability insurance. At some point, every insured wonders if paying for full coverage is worth it. There is no set guideline of when to drop full coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.
For example, let’s say your vehicle’s settlement value is $12,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $11,000 after paying your deductible. If it’s costing you more than $1,100 annually for comprehensive and collision coverage, then it could be time to drop full coverage.
Discounts on San Francisco insurance
Car insurance companies that sell policies for a Dodge Grand Caravan may additionally offer rate discounts that can reduce rates by as much as 40% or more if you are eligible to receive them. A few popular companies and some of the discounts include:
- State Farm may offer discounts for Drive Safe & Save, safe vehicle, good driver, Steer Clear safe driver discount, good student, and multiple autos.
- American Family may have discounts that include good student, air bags, TimeAway discount, defensive driver, early bird, and Steer into Savings.
- GEICO offers discounts including federal employee, air bags, seat belt use, military active duty, and anti-theft.
- 21st Century has discounts for 55 and older, student driver, teen driver, automatic seat belts, defensive driver, early bird, and homeowners.
- Progressive discounts include homeowner, online quote discount, online signing, continuous coverage, good student, multi-policy, and multi-vehicle.
The chart below illustrates the difference between yearly insurance costs with and without discounts applied to the policy premium. The price estimates are based on a female driver, a clean driving record, no claims, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with multiple policy, passive restraint, anti-theft, defensive driving course, safe-driver, and multiple vehicle discounts applied. When drivers qualify for the discounts, theaverage amount saved on insurance for a Dodge Grand Caravan is 28% or $801.