Car Insurance for Minivans: How Much Does It Cost? (2026)

Key Takeaways

GEICO offers the cheapest car insurance for minivans, with rates starting at $46 per month for minimum coverage on a Dodge Grand Caravan. State Farm provides the best rates across all driver age groups, from teens to seniors.

Minivan insurance costs range from $828 to $2,088 annually, depending on the driver's age, vehicle model and coverage level. Teen drivers pay the highest rates at $3,323 per year for full coverage, while drivers in their 30s to 50s pay around $1,039 to $1,052 annually.

Minivans cost less to insure than SUVs or sedans because they're built for safety and have lower accident rates.

How Much Does it Cost to Insure A Minivan?

Car insurance for a minivan costs $150 per month on average for full coverage and $78 per month for minimum coverage. Minivans cost less to insure than many other vehicle types because they're built for safety and family use, which lowers insurance risk.

Annual minivan insurance costs range from $828 to $2,088 on average, depending on make, model and coverage type. Models with higher theft rates or expensive repair costs drive premiums up, while those with strong safety features and lower repair costs result in cheaper premiums.


Dodge	Grand Caravan	$69	$134
Honda	Odyssey	$75	$144
Toyota	Sienna	$90	$174

Cheapest Minivan Car Insurance Companies for Honda Odyssey

GEICO is the cheapest minivan car insurance provider, costing just $51 per month for minimum coverage on a Honda Odyssey. Travelers ranks second at $66 per month, while State Farm comes in third at $70 per month for minimum coverage.

Full coverage rates follow a similar pattern. GEICO charges $111 per month for full coverage, compared to Travelers' $120 per month and Progressive's $140 per month. The gap between the cheapest and most expensive provider reaches $34 per month for full coverage.


Geico	$51	$111
Travelers	$66	$120
State Farm	$70	$145
Kemper	$72	$145
Progressive	$75	$140
The Hartford	$82	$140
Nationwide	$82	$142
AAA	$85	$176
Allstate	$95	$184
Amica	$96	$195
Chubb	$99	$196
AIG	$106	$259
Farmers	$110	$192
UAIC	$131	$163

Cheapest Minivan Car Insurance Companies for Toyota Sienna

Toyota Sienna drivers can save the most with GEICO, paying $60 monthly for minimum coverage or $130 for full coverage. The price difference between insurers adds up quickly over a year. Choosing GEICO over State Farm saves Sienna owners $288 annually on minimum coverage alone.

Travelers and Progressive compete closely for full coverage shoppers. Travelers charges $142 per month, while Progressive costs $167 despite being the most expensive for minimum coverage at $89 monthly. State Farm and Kemper have nearly identical full coverage rates at $175 and $174 per month respectively, making them the priciest options on our list.


Geico	$60	$130
Travelers	$77	$142
State Farm	$84	$175
Kemper	$86	$174
Progressive	$89	$167
The Hartford	$93	$158
Nationwide	$99	$172
AAA	$102	$211
Allstate	$114	$220
Amica	$115	$236
Chubb	$118	$235
AIG	$128	$315
Farmers	$135	$237
UAIC	$149	$187

Cheapest Minivan Car Insurance Companies for Dodge Grand Caravan

GEICO offers the lowest Dodge Grand Caravan insurance rates at $46 per month for minimum coverage and $99 per month for full coverage. Dodge minivan owners who choose GEICO over AAA save $336 annually on minimum coverage and $648 yearly on full coverage.

Travelers provides solid value at $63 monthly for minimum coverage and $116 for full coverage. Kemper and State Farm swap positions depending on coverage type. State Farm costs $135 per month for full coverage compared to Kemper's $131, but State Farm edges out Kemper on minimum coverage by just $1 monthly.


Geico	$46	$99
Travelers	$63	$116
State Farm	$65	$135
Kemper	$66	$131
AAA	$74	$153
Progressive	$74	$139
The Hartford	$79	$134
Nationwide	$81	$139
Amica	$85	$172
Allstate	$88	$170
Chubb	$88	$172
AIG	$95	$231
Farmers	$97	$171
UAIC	$121	$151

Cheapest Minivan Car Insurance by Driver Age

State Farm consistently offers the lowest minivan insurance rates across all age groups, from teen drivers to seniors. A 35-year-old pays just $40 per month for minimum coverage with State Farm, while a 16-year-old pays $134 monthly for the same coverage.

Age affects minivan insurance costs more than any other factor. Teen drivers pay $277 per month for full coverage, while drivers in their 30s to 50s pay around $87 to $88 monthly. Rates climb slightly after age 65, reaching $90 per month for full coverage at age 75.

The biggest rate drop happens between ages 16 and 25. A 16-year-old State Farm customer pays $3,323 annually for full coverage, but that same driver will pay only $1,245 at age 25—a savings of $2,078 per year.


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

Teens under 18 can't legally purchase auto insurance without a parent or guardian as a co-signer in most cases. Some states also restrict the hours teens can drive or require supervised driving periods before granting full licenses.

Minivan Auto Insurance: Buying Guide

Pick the right car insurance for your minivan by balancing cost, coverage and benefits. This buying guide walks you through comparing quotes and selecting policy features to find the best value and protection.

How to Get Cheap Insurance for a Minivan

Minivans are used for family driving, carpools and road trips, which means safe, everyday use that insurance companies favor. Lower your minivan insurance costs with these strategies:

1
Compare quotes from multiple insurers
Not all insurers rate minivans the same way. Some companies offer better deals for safe-driving family vehicles, so shopping around saves you hundreds.
2
Choose a higher deductible
Raising your deductible brings down your monthly premium if you're comfortable paying more out of pocket in a claim.
3
Bundle your policies
Combine auto and home, renters or life insurance to save money. This works well for families with multiple policies in place.
4
Maintain a clean driving record
Avoid tickets and accidents to keep your rate low. This matters even more if your minivan is used for daily school runs or commuting.
5
Look for family-friendly discounts
Some insurers offer savings for features 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.
6
Drive less and consider usage-based insurance
Low-mileage or pay-per-mile insurance could lead to big savings if you only use your minivan for errands or weekend trips.

Minivan Safety Features That Can Qualify For Auto Insurance Discounts

Many insurers offer discounts for safety features that help prevent accidents or minimize damage. Minivans have safety features that make them practical family vehicles. These safety features may qualify for insurance discounts:

Adaptive Cruise Control

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.

Automatic Emergency Braking (AEB)

AEB systems detect an impending collision and automatically apply the brakes, reducing rear-end crashes and lowering insurance claims.

Blind Spot Monitoring

This system alerts drivers when a vehicle is in their blind spot, helping prevent lane-change accidents that commonly result in insurance claims.

Electronic Stability Control (ESC)

ESC helps maintain vehicle control during slippery conditions or sudden maneuvers, reducing the likelihood of rollovers or skidding accidents.

Lane Departure Warning and Lane Keep Assist

These features help prevent unintended lane drift, decreasing the chances of sideswipe collisions or run-off-road incidents.

Rearview Camera

Rearview or backup cameras make it easier to spot obstacles when reversing, reducing backing accidents in parking lots or driveways.

Additional Minivan Car Insurance Coverage

Basic coverage may not be enough if you rely on your minivan for family use, school drop-offs or weekend travel. These extra coverage options help protect your vehicle and 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 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	Helps if your financed minivan is 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 is stressful. This coverage helps with towing, dead batteries, flat tires and lockouts.
Rental reimbursement	Pays for a temporary rental if your minivan is in the shop after an accident. 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 is a key benefit for families because car seat safety can't be guaranteed after a collision.
Pet injury coverage	Some insurers offer coverage for vet bills if your pet is 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.

Auto Insurance for Minivans: Bottom Line

Minivan insurance costs vary by age, model and coverage. The Honda Odyssey offers the best value among family-friendly models. State Farm provides the lowest rates across all age groups for budget-conscious families. Compare quotes to find the right policy for your needs and budget.

Minivan Insurance: FAQ

Find answers to common questions about insuring a minivan, from cost comparisons to state-specific factors that can affect your premium.

Is car insurance for a minivan more expensive than a sedan?

Minivan car insurance isn't usually more expensive than sedan insurance. Minivans are often cheaper to insure because of higher safety ratings, lower theft risk and fewer serious claims. Rates still vary depending on your state, driving history and coverage level.

Which minivan is the cheapest to insure?

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 get lower premiums.

What affects the cost of minivan insurance?

Your minivan's make, model and year are major factors affecting insurance costs. Other elements include your location, driving record, mileage, safety features and whether the vehicle is financed. States with higher accident or theft rates have higher premiums.

Does my location affect minivan insurance rates?

Location affects minivan insurance rates. Drivers in urban areas or states like Michigan, Florida and New York pay more due to higher accident risks, theft rates and local insurance regulations. Rural drivers pay less on average.

Are older minivans cheaper to insure?

Older minivans cost less to insure in most cases because they cost less to repair or replace, which lowers premiums. But they may lack newer safety features that qualify for insurance discounts.

Can I get discounts on my minivan insurance?

You can get minivan insurance discounts. Many insurers offer savings 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.

Is full coverage worth it for a minivan?

Full coverage is worth considering for minivans if your vehicle is newer or has a high market value, protecting against collision, theft and weather damage. For older vehicles, minimum coverage may be the more cost-effective choice.

What’s the average cost of minivan insurance in my state?

Minivan insurance averages range widely by state. 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.

Best Car Insurance for Minivans: Our Rating Methodology

Minivan drivers prioritize safety, passenger protection and affordable coverage for family vehicles used daily. We analyzed which insurers balance competitive rates with family-focused benefits like child equipment replacement and higher liability limits for passenger protection.

We pulled 80,676 quotes from seven major insurance companies using data from Quadrant Information Services across all residential ZIP codes. Our sample driver (a 40-year-old man with good credit, a clean record and 12,000 annual miles) represents typical minivan ownership patterns.

For minimum coverage, we used state-required liability limits. For full coverage comparison, we used 100/300/100 liability ($100,000 per person for injuries, $300,000 per accident for injuries, $100,000 for property damage) with $1,000 deductibles for comprehensive and collision.

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About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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