Car Insurance for Minivans

The average minivan insurance costs $159 per month for full coverage and $78 per month for minimum coverage in 2025.

Find out if you’re overpaying for car insurance below.

Updated: October 23, 2025

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Key Takeaways

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.

How Much Is Car Insurance for a Minivan?

Car insurance for a minivan costs $159 per month on average for a full coverage policy 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, reducing coverage risk.

Minivan Insurance Costs by Make and Model

Minivan insurance costs $932 to $1,910 annually on average, depending on the make, model and policy type. Some models cost more to repair or get stolen more often, while others have lower repair costs or stronger safety features that mean cheaper premiums.


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 by Company

Minivan insurance costs vary by company, ranging from $394 to $1,764 annually based on your coverage limits.

Data filtered by:


Allstate	$1,202
Farmers	$1,299
GEICO	$1,008
Nationwide	$1,198
Progressive	$1,509
State Farm	$885
Travelers	$1,140

Minivan Insurance Costs by Driver Age

Insurance rates for minivans change with age. Young drivers pay the most at around $477 per month for full coverage. Drivers in their 30s to 50s get the best rates, averaging $103 to $107 monthly with a clean record.

Teen drivers must meet state licensing requirements and may face 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

Cheapest Minivan Car Insurance

State Farm and GEICO offer the lowest minivan insurance rates. Premiums are cheapest for drivers between 35 and 45 years old, who insurers consider low-risk due to driving experience.

Cheapest Minivans to Insure by Make and Model

The Honda Odyssey is the cheapest minivan to insure, with rates averaging $45 to $93 per month depending on your policy. Minivans with lower repair costs, good crash-test ratings and fewer claims cost less to insure.


Honda Odyssey	$45	$541	$93	$1,120
Toyota Sienna	$46	$554	$98	$1,182
Dodge Grand Caravan	$48	$578	$96	$1,155

Cheapest Minivan Car Insurance Companies

State Farm is the cheapest minivan car insurance provider, costing only $35 per month for minimum coverage. These 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

Cheapest Minivan Car Insurance by Driver Age

Minivan drivers ages 16 to 21 get the lowest car insurance rates with State Farm, averaging $134 per month for minimum coverage and $277 per month for full coverage.

Young drivers pay higher premiums, but 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

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 based on age, model and coverage. Family-friendly models like the Honda Odyssey offer the best value. State Farm provides the lowest rates across all age groups, making it the top choice for budget-conscious families. Shop around and 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

MoneyGeek evaluated insurance providers for minivan drivers using a detailed scoring system designed to help you find coverage that offers a good balance of cost, service quality, and policy options.

Our Data Sources and Research Process

Quote Data: We calculated insurance costs for minivans using data from Quadrant Information Services, which collects rate filings across all residential ZIP codes in the U.S. This data allowed us to isolate major factors that affect minivan insurance rates, including location, credit score, age, gender, coverage level, annual mileage, and driving history.

Customer Experience Data: We reviewed customer satisfaction scores from J.D. Power, complaint data from the National Association of Insurance Commissioners (NAIC), and feedback from Google Business reviews, agent network ratings, and public forums.

Coverage Analysis: We examined policy documents and reached out to insurance companies to confirm coverage options that matter most to minivan owners. These include family-focused benefits and higher liability limits often recommended for drivers who carry passengers regularly.

Our Driver Profile for Minivan Rate Calculations

To estimate costs, we based our calculations on this driver profile, representing a typical minivan owner:

40-year-old driver
Good credit score
Clean driving record with no violations
No claims history
12,000 miles driven annually

Coverage Levels:

Minimum coverage: State-required liability limits (varies by state)
Full coverage: 100/300/100 liability coverage plus comprehensive and collision with a $1,000 deductible

What 100/300/100 means:

$100,000 bodily injury liability per person
$300,000 bodily injury liability per accident
$100,000 property damage liability

Note: Many minivan owners opt for higher liability limits than the minimum because these vehicles are often used for family travel and offer added financial protection.

How We Chose the Best and Cheapest Car Insurance for Minivans

We used a detailed scoring system built around five key factors that matter most to minivan drivers:

Customer Satisfaction (35% of Total Score)

We gave the most weight to customer satisfaction since minivan drivers often need to file claims or contact their insurer during busy or stressful family situations.

Our data sources:

J.D. Power Auto Insurance Study ratings
NAIC complaint index data
Google Business ratings for local agents
Customer discussions on public forums

Affordability (30% of Total Score)

We compared rates from several insurers using the same minivan driver profiles. Companies that offered lower premiums than their competitors earned higher affordability scores.

Rate comparison: We analyzed 80,676 quotes from seven major insurance companies using our standard driver profile, adjusting for age, location, and driving history differences common among minivan owners.

Claims Handling (20% of Total Score)

Minivan drivers often travel with family members and value quick claim processing, so we weighted claims experience more heavily using:

J.D. Power Claims Study results
CRASH Network Report Card ratings
Customer feedback on claims processing speed and satisfaction

Coverage Options (10% of Total Score)

We evaluated coverage options particularly valuable to minivan owners:

Roadside assistance (essential for family road trips)
Rental car reimbursement (important when transporting children)
OEM parts coverage (maintains vehicle safety standards)
Gap insurance (valuable for newer minivans)

Financial Stability (5% of Total Score)

We reviewed AM Best ratings to gauge each company’s financial stability and ability to pay claims when minivan owners file them.

Companies and Coverage We Analyzed

Companies Reviewed: We analyzed seven major insurance companies that offer minivan coverage, including both national carriers and regional providers known for strong family-friendly options.

Geographic Coverage: Our study includes rate data for minivan drivers in all 50 states, taking into account state-specific coverage rules and regional pricing differences.

Vehicle Coverage: Our research focused on popular minivan models and the specific coverage needs of families who drive them.

Data Accuracy and Updates

Rate Updates: We receive updated quotes each month from Quadrant Information Services to keep our minivan insurance pricing data current.

Coverage Analysis: We conduct yearly reviews of coverage options and benefits that are especially relevant to minivan drivers and families.

Quality Controls: All data sources are independently verified, and we review outliers carefully to maintain an accurate picture of the minivan insurance market.

Important Disclaimers for Minivan Owners

Individual Results May Vary: Your actual minivan insurance rate depends on several factors, including your location, driving record, vehicle model and year, coverage selections, and family situation. It’s best to compare quotes from multiple insurers to find the most affordable option for you.

State Variations: Insurance rules differ by state. Some states limit or prohibit the use of certain factors, such as gender, age, or credit score, when calculating premiums. Minimum coverage requirements also vary depending on where you live.

Family Coverage Considerations: Your costs and coverage needs may differ from our sample estimates if you’re adding teen drivers to your policy or covering multiple family members.

Professional Advice: This analysis is meant to help minivan owners understand their insurance choices. For personalized guidance based on your family’s situation, it’s best to speak with a licensed insurance professional.