Updated: July 6, 2025
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State Farm offers the cheapest car insurance for minivans, with rates starting at $35 per month for some drivers.
Minivan insurance costs range from $932 to $1,910 annually, depending on the driver’s age, vehicle model and coverage level.
Minivans are often cheaper to insure than SUVs or sedans, thanks to their strong safety ratings and lower accident risk.
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 usually 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 mini vans 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, meaning 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 usually pay the most, at around $477 per month on a full coverage policy. Drivers in their 30s to 50s tend to get the best rates, averaging $103 to $107 on the same policy, especially with a clean record.
| 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 typically 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 tend to 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.
Although young drivers usually 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 |
Minivans are often used for family driving, carpools and road trips, which means safe, everyday use that insurance companies tend to favor. These tips can 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 a range of 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. 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 usually offer the best value. This guide breaks down the cheapest rates and best coverages, plus key tips to help you find the right policy for your needs and budget.
Not usually. Minivans are often cheaper to insure than sedans due to better safety ratings and fewer claims.
The cheapest minivan to insure is Honda Odyssey, costing $93 per month on a full coverage policy. Compact and family-friendly models with strong safety features tend to cost less to insure.
The make and model of the minivan is one of the biggest factors. Newer, high-end models usually cost more to insure than basic or older ones. Insurance is also affected by how safe the vehicle is, how much it costs to repair, and how often it’s stolen.
We calculated minivan insurance costs using data from Quadrant Information Services. Rates are based on the following driver profile:
Coverages used for minimum coverage are based on state requirements. Full coverage includes a 100/300/100 liability insurance split and comprehensive and collision coverage with a $1,000 deductible.
To calculate the best car insurance for Minivans, we used a comprehensive scoring system based on five key factors:
Data Sources
Analysis
We reviewed 80,676 quotes from seven companies using a standard driver profile (male, 40 years old, single, clean record) while adjusting for age, location and driving history.
Coverage Levels and Deductibles
The term 100/300/100 means:
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.
