Updated: August 20, 2025
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State Farm offers the cheapest car insurance for minivans, with rates starting at $35 per month for some drivers, based on MoneyGeek's 2025 analysis of major insurers.
Minivan insurance costs range from $902 to $1,957 annually, depending on the driver’s age, vehicle model and coverage level.
Minivans cost less to insure than SUVs or sedans because they're built for safety and have lower accident rates.
The average cost of car insurance for a minivan is $159 per month for a full coverage policy and $78 per month for a minimum coverage policy. Minivans cost less to insure than many other vehicle types. They're built for safety and family use, making them less risky to cover.
Use the table below to see how much car insurance for minivans costs depending on your model, model year and desired coverage.
The average minivan insurance cost by make and model is between $932 and $1,910 annually, depending on the policy.
Some models cost more to repair or are more likely to be stolen. Others have lower repair costs or stronger safety features, which means cheaper insurance.
| Dodge Grand Caravan | $81 | $969 | $160 | $1,921 |
| Honda Odyssey | $75 | $902 | $154 | $1,851 |
| Toyota Sienna | $77 | $924 | $163 | $1,957 |
Minivan insurance costs vary by company, ranging between $394 and $1,764 annually based on your desired coverage limits. See how rates change by company below.
| Allstate | $1,202 |
| Farmers | $1,299 |
| GEICO | $1,008 |
| Nationwide | $1,198 |
| Progressive | $1,509 |
| State Farm | $885 |
| Travelers | $1,140 |
Insurance rates for minivans change with age. Young drivers pay the most, at around $477 per month on a full coverage policy. Drivers in their 30s to 50s get the best rates, averaging $103 to $107 on the same policy, especially with a clean record.
Teen drivers must meet state licensing requirements and may be subject to additional restrictions. Parents should verify local regulations regarding teen driver coverage.
| 16 | $240 | $2,880 | $477 | $5,718 |
| 21 | $78 | $937 | $165 | $1,975 |
| 25 | $57 | $683 | $121 | $1,455 |
| 35 | $50 | $603 | $107 | $1,280 |
| 45 | $49 | $594 | $103 | $1,241 |
| 65 | $50 | $599 | $101 | $1,211 |
| 75 | $60 | $720 | $119 | $1,426 |
Minivan drivers looking for affordable car insurance will find the lowest rates with State Farm and GEICO. Premiums are cheapest for people between 35 and 45 years old, a group insurers consider low-risk due to their driving experience.
The Honda Odyssey is the cheapest minivan to insure, with rates averaging $45 to $93 per month, depending on the policy you get.
Minivans with lower repair costs, good crash-test ratings and fewer claims offer better insurance value.
| Honda Odyssey | $45 | $541 | $93 | $1,120 |
| Toyota Sienna | $46 | $554 | $98 | $1,182 |
| Dodge Grand Caravan | $48 | $578 | $96 | $1,155 |
The cheapest minivan car insurance provider is State Farm, costing only $35 per month on a minimum coverage policy. The following companies offer the most affordable average rates for insuring a minivan in 2025:
| State Farm | $35 | $423 | $87 | $1,047 |
| GEICO | $38 | $456 | $94 | $1,123 |
| Travelers | $43 | $520 | $105 | $1,265 |
| Nationwide | $46 | $546 | $106 | $1,273 |
| Allstate | $49 | $592 | $107 | $1,286 |
| Progressive | $50 | $595 | $122 | $1,459 |
| Farmers | $50 | $596 | $120 | $1,436 |
Minivan drivers between the ages of 16 and 21 can find the lowest car insurance rates with State Farm, averaging $134 per month for minimum coverage and $277 per month for full coverage.
While young drivers pay higher premiums, we found that State Farm offers the cheapest rates for minivan drivers across all age groups.
| 16 | State Farm | $134 | $1,604 | $277 | $3,323 |
| 25 | State Farm | $47 | $559 | $104 | $1,245 |
| 35 | State Farm | $40 | $476 | $88 | $1,052 |
| 45 | State Farm | $40 | $475 | $87 | $1,039 |
| 65 | State Farm | $37 | $444 | $80 | $956 |
| 75 | State Farm | $43 | $516 | $90 | $1,081 |
Choosing the right car insurance for your minivan involves balancing cost, coverage and benefits. This buying guide walks you through comparing quotes and selecting policy features, so you can find the best value and protection for your needs.
Minivans are often used for family driving, carpools and road trips, which means safe, everyday use that insurance companies favor. These tips help you lower your minivan insurance costs:
Not all insurers rate minivans the same way. Some companies offer better deals for safe-driving family vehicles, so shopping around can save you hundreds.
If you’re comfortable paying more out of pocket in a claim, raising your deductible can bring down your monthly premium.
You can often save when you combine auto and home, renters or life insurance. This works well for families who already have multiple policies in place.
Avoiding tickets and accidents helps keep your rate low. This matters even more if your minivan is used for daily school runs or commuting.
Some insurers offer savings for features that are common in minivans, like lane assist, blind spot warnings or rear-seat reminders. Ask about discounts for safety tech or good student drivers if you share your vehicle with a teen.
If you only use your minivan for errands or weekend trips, low-mileage or pay-per-mile insurance could lead to big savings.
Many insurers offer discounts for safety features that help prevent accidents or minimize damage. Minivans often have safety features that make them practical family vehicles. Here are safety features that may qualify for insurance discounts:
By maintaining a safe following distance from the car ahead, adaptive cruise control can reduce the risk of highway accidents and improve overall driver safety.
AEB systems detect an impending collision and automatically apply the brakes, reducing the risk of rear-end crashes and lowering insurance claims.
This system alerts drivers when a vehicle is in their blind spot, helping to prevent lane-change accidents that commonly result in insurance claims.
ESC helps maintain vehicle control during slippery conditions or sudden maneuvers, reducing the likelihood of rollovers or skidding accidents.
These features help prevent unintended lane drift, decreasing the chances of sideswipe collisions or run-off-road incidents.
Rearview or backup cameras make it easier to spot obstacles when reversing, reducing the likelihood of backing accidents in parking lots or driveways.
If you rely on your minivan for family use, school drop-offs or weekend travel, basic coverage may not be enough. These extra coverage options can help protect your vehicle and your passengers.
Coverage | Description |
|---|---|
Collision coverage | Pays for damage if your minivan hits another car or a stationary object, minus your chosen deductible. This is important if you drive in tight school parking lots, carpool lanes or busy shopping areas where minor accidents can happen. |
Comprehensive coverage | Covers damage from things like hail, flooding, fallen branches or vandalism. It also protects against theft, which can be a concern if your minivan is loaded with electronics, sports gear or baby equipment. |
Gap insurance | If you financed your minivan, gap coverage helps if it’s totaled and worth less than what you still owe. This is helpful for families who bought a new model or added packages like rear-seat entertainment or navigation systems. |
Roadside assistance | Getting stuck with kids in the car can be stressful. This coverage helps with towing, dead batteries, flat tires and lockouts, useful for parents on the move. |
Rental reimbursement | If your minivan is in the shop after an accident, this pays for a temporary rental. Many minivan owners use their vehicle for everything from school runs to groceries, so this keeps life moving while yours is repaired. |
Child equipment replacement | Some insurers will replace child car seats or strollers after a crash, even if they don’t appear damaged. This can be a key benefit for families, since car seat safety can’t be guaranteed after a collision. |
Pet injury coverage | If your family includes a pet that rides in the minivan, some insurers offer coverage for vet bills if they’re hurt in a crash. |
These options provide financial protection and cover the real-life needs of minivan owners who depend on their vehicle every day.
Minivan insurance costs vary based on age, model and coverage. Family-friendly models like the Honda Odyssey offer the best value. This guide breaks down the cheapest rates and best coverages, plus tips to help you find the right policy for your needs and budget.
Find answers to common questions about insuring a minivan, from cost comparisons to state-specific factors that can affect your premium.
Not usually. Minivans are often cheaper to insure than sedans because of higher safety ratings, lower theft risk and fewer serious claims. Rates can still vary depending on your state, driving history and coverage level.
The Honda Odyssey is the cheapest minivan to insure, averaging about $93 per month for full coverage. Models with strong crash-test scores, affordable repair costs and family-friendly features often get lower premiums.
The make, model, and year of your minivan are major factors. Other elements include your location, driving record, mileage, safety features, and whether the vehicle is financed. States with higher accident or theft rates may see higher premiums.
Yes. Drivers in urban areas or states like Michigan, Florida, and New York often pay more due to higher accident risks, theft rates, and local insurance regulations. Rural drivers may pay less on average.
Generally, yes. Older minivans often cost less to repair or replace, which can lower premiums. However, they may lack newer safety features that qualify for insurance discounts.
Yes. Many insurers offer discounts for bundling auto and home insurance, having a clean driving record, installing advanced safety features or qualifying for good student discounts if a teen driver uses the minivan.
If your minivan is newer or has a high market value, full coverage is worth considering to protect against collision, theft, and weather damage. For older vehicles, minimum coverage may be the more cost-effective choice.
State averages can range widely. For example, some drivers in Ohio may pay under $1,000 per year, while those in Michigan or Florida may pay over $1,800 annually due to higher insurance costs in those states.
We analyzed auto insurance companies specifically for minivan drivers using a comprehensive scoring system to help you find coverage that balances cost, service quality and coverage options for your family vehicle.
Our Data Sources and Research Process
Quote Data: We calculated minivan insurance costs using data from Quadrant Information Services, which provides comprehensive rate information across all residential ZIP codes in the U.S. This data isolates major factors that influence minivan insurance rates, including location, credit score, age, gender, coverage level, annual mileage and driving history.
Customer Experience Data: We gathered customer satisfaction information from multiple sources, including J.D. Power studies, the National Association of Insurance Commissioners (NAIC) complaint index, Google Business ratings, agent network ratings and public forum sentiment analysis.
Coverage Analysis: We reviewed policy documents and contacted insurance companies directly to verify coverage options particularly relevant to minivan owners, such as family-friendly benefits and higher liability limits that minivan drivers often need.
Our Driver Profile for Minivan Rate Calculations
We calculated minivan insurance costs using this driver profile, which represents typical minivan owners:
Coverage Levels:
What 100/300/100 means:
Note: Many minivan owners choose higher liability limits than the minimum due to the family-oriented nature of these vehicles and the need for additional financial protection.
How We Chose the Best and Cheapest Car Insurance for Minivans
We used a comprehensive scoring system based on five key factors that matter most to minivan drivers:
Customer Satisfaction (35% of Total Score)
We prioritized customer satisfaction as the highest-weighted factor because minivan drivers often need to file claims and interact with their insurance company during stressful family situations.
Our data sources:
Affordability (30% of Total Score)
We compared rates from multiple insurers for identical minivan driver profiles. Companies offering lower premiums relative to competitors received higher affordability scores.
Rate comparison: We reviewed 80,676 quotes from seven major insurance companies using our standard driver profile while adjusting for age, location and driving history variations common among minivan owners.
Claims Handling (20% of Total Score)
Since minivan drivers often transport families and may need quick claim resolution, we weighted claims experience heavily using:
Coverage Options (10% of Total Score)
We evaluated coverage options particularly valuable to minivan owners:
Financial Stability (5% of Total Score)
We assessed each company's financial strength using AM Best ratings to ensure they can pay claims when minivan owners need them most.
Companies and Coverage We Analyzed
Companies Reviewed: We analyzed seven major insurance companies that actively write minivan coverage, including national carriers and regional providers with strong family-oriented coverage options.
Geographic Coverage: Our analysis includes rate data for minivan drivers across all 50 states, accounting for state-specific coverage requirements and regional rate variations.
Vehicle Coverage: Our research focused specifically on popular minivan models and the unique coverage needs of family vehicle owners.
Data Accuracy and Updates
Rate Updates: We receive monthly quote updates from Quadrant Information Services to ensure current minivan insurance pricing information.
Coverage Analysis: We conduct annual reviews of coverage options and benefits particularly relevant to minivan drivers and families.
Quality Controls: All data sources are independently verified, and we cross-check outliers to ensure accurate representations of the minivan insurance market.
Important Disclaimers for Minivan Owners
Individual Results May Vary: Your actual minivan insurance rates will depend on your specific location, driving record, minivan model and year, coverage choices and family circumstances. We recommend getting quotes from multiple companies to find your best rate.
State Variations: Insurance regulations differ by state. Some states prohibit or restrict the use of factors like gender, age or credit score in rate calculations. Minimum coverage requirements also vary by state.
Family Coverage Considerations: If you're adding teen drivers to your minivan policy or need coverage for multiple family members, your rates and coverage needs may differ significantly from our base calculations.
Professional Advice: Our analysis provides educational information to help minivan owners understand insurance options. For specific coverage recommendations based on your family's needs, consider consulting with a licensed insurance professional.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
