Best car insurance for minivans

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If you own a registered vehicle, most states will require you to carry a certain amount of car insurance. Not only is car insurance legally required, but it also provides important protection for you, your passengers and other drivers on the road. Without car insurance, you are likely to be legally and financially responsible for any accidents you cause, which can be incredibly expensive.

The average cost of car insurance is different for every vehicle owner. There are a variety of factors that contribute to your rate, one of which is the make and model of your car. For example, insuring a minivan is generally cheaper than insuring a luxury SUV. However, every insurance company charges a slightly different rate for the same vehicle makes and models.

Car insurance for minivans: by model

In the United States, the average annual cost of car insurance for all vehicles is $565 for minimum coverage and $1,674 for full coverage. When it comes to minivans specifically, some makes and models are cheaper to insure than others. Insurance costs are highly dependent on factors like the cost of repairs, reliability, safety features and even how often a specific van make and model gets stolen.

The table below includes the average cost of car insurance for five popular minivans:

Minivan car insurance by make and model Average annual minimum coverage premium Average annual full coverage premium
Toyota Sienna $474 $1,687
Honda Odyssey $471 $1,454
Chrysler Pacifica $485 $1,463
Dodge Grand Caravan $503 $1,604
Kia Sedona $501 $1,534

Best car insurance for minivans

There are dozens of insurance companies on the market that offer great coverage for minivans. However, not all car insurance companies have the same offerings. The best van insurance companies will likely have affordable rates, comprehensive coverage and good discounts for additional premium savings. Here are some of the best van insurers:

  • Geico Geico is one of the largest car insurance companies on the market, and it has a reputation for offering low rates and generous discounts. Geico has savings for military personnel, federal employees, good drivers and vehicles with advanced safety features, making the company worthy of consideration for drivers who want cheap van insurance. It also has a mobile app where you can request roadside assistance, view ID cards and submit auto claims.
  • Progressive Progressive has various coverage options for minivan owners, including custom parts coverage, rideshare insurance and a deductible savings bank. The company offers a long list of discounts, including the Snapshot safe driver discount program. Progressive has useful online resources, like the Name Your Price Tool, which allows you to find policy options within your price range.
  • Erie Minivan owners can take advantage of Erie’s comprehensive coverage. Standard policies come with pet coverage, auto glass repair, personal items coverage, locksmith reimbursement and more. Plus, Erie offers a free rate lock guarantee, rental car coverage and locksmith services with every policy. Depending on your eligibility, you may apply several discounts to get a cheap van insurance policy.

Cheapest car insurance companies for Toyota Sienna

The Toyota Sienna was the most dependable minivan of 2020, according to J.D. Power. USAA offers the cheapest minimum coverage insurance for the Sienna, with an average rate of $328 per year. However, USAA membership and coverage is limited to active and retired military personnel. Geico is available to customers nationwide and offers the next lowest premium on average for the Toyota Sienna, at $344 per year. For full coverage insurance, the cheapest providers are Erie and Amica, with average annual rates of $1,247 and $1,303, respectively. In the table below, we have included the average cost of Toyota Sienna insurance from five of the best car insurance providers.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $328 $1,324
Geico $344 $1,447
State Farm $487 $1,615
Erie $352 $1,247
Amica $367 $1,303

Cheapest car insurance companies for Honda Odyssey

Car insurance for the Honda Odyssey is generally affordable. In 2020, it was considered the third-best minivan on the market by J.D. Power. Many customers noted the Honda Odyssey’s quiet ride and secure build as positive features. The table below includes van insurance rates for a Honda Odyssey from the best providers.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $328 $1,198
Geico $361 $1,244
State Farm $450 $1,325
Erie $361 $1,144
Amica $396 $1,138

Cheapest car insurance companies for Chrysler Pacifica

The Chrysler Pacifica was ranked as the fourth-best van in 2020 by J.D. Power, with many compliments pointing to its fuel economy. If you own a Chrysler Pacifica, you have a few different options for van insurance. Some of the best car insurance providers, including USAA, Geico, State Farm, Erie and Amica offer coverages and premiums that could be appealing to Pacifica owners. In the table below, we have highlighted the cost of insuring a Chrysler Pacifica through the nation’s top providers.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $334 $1,287
Geico $361 $1,135
State Farm $450 $1,302
Erie $430 $1,286
Amica $396 $1,160

Cheapest car insurance companies for Dodge Grand Caravan

Dodge Grand Caravan owners can get the cheapest minivan insurance from USAA, but only if they meet the company’s military eligibility requirements. For a Grand Caravan, a minimum coverage policy from USAA costs $358 and a full coverage policy costs $1,162. If you do not qualify for USAA, you can also get a low rate from Geico and Amica. However, all of the providers listed below offer various discounts that could help you save on premiums. Here are several van insurers for a Dodge Grand Caravan.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $358 $1,162
Geico $365 $1,266
State Farm $467 $1,430
Erie $430 $1,335
Amica $367 $1,317

Cheapest car insurance companies for Kia Sedona

J.D. Power rated the Kia Sedona as the second runner-up for best minivans of 2020. Car insurance for a Kia Sedona is generally less expensive than the national average rate of $565 per year for minimum coverage and $1,674 per year for full coverage. The table below includes how much it costs to insure a Kia Sedona through several popular providers.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $335 $1,211
Geico $363 $1,250
State Farm $461 $1,349
Erie $358 $1,390
Amica $379 $1,200

Other car insurance coverage for minivans

Most states require drivers to carry minimum coverage insurance, which typically includes bodily injury and property damage liability insurance. However, insurance companies recommend that most drivers upgrade their policy with additional coverage options that can provide more protection in an accident or covered loss.

For example, minivan owners may benefit from roadside assistance, which covers towing, battery replacement, fuel delivery and flat tire changes. Rental car reimbursement could cover the cost of a rental car if your van needs repairs after a covered claim. And if your minivan gets totaled, new car replacement coverage could pay for a brand new one.

If you lease or finance your minivan, consider looking into gap insurance. This is an optional policy that covers the difference between your car’s diminished value and the remaining balance on your loan if your minivan gets totaled. You might already have gap insurance through your lender or dealership, so we recommend double checking before you buy it through your car insurance company.

Frequently asked questions

What is the best car insurance company for minivans?

The best car insurance company for minivans is different for everyone. It depends on where you live, what coverages you need, what discounts you qualify for and how much you want to spend. However, some of the top-rated insurance companies are USAA, Amica, Nationwide, Geico and The Hartford.

How much minivan insurance do I need?

Everyone’s car insurance needs are different, but you will need to meet your state’s minimum car insurance requirements. You might also consider upgrading to a full coverage policy, which includes collision and comprehensive insurance to protect your vehicle. Additionally, certain optional policies, like gap insurance, may be beneficial depending on your circumstances.

How do I get a minivan insurance quote?

Getting a quote for minivan insurance is simple. Most car insurance companies have an online quote tool, where you can see your estimated rate by plugging in some information about yourself and your vehicle. You can also get a quote by contacting an agent directly. Note that speaking with an agent to get a quote is usually a more accurate option. An agent could also help you decide which coverages are right for you and how much coverage you should get.

What is the cheapest minivan insurance company?

Minivans are generally affordable to insure with average premiums below the national average for car insurance, especially among the best car insurance providers like the ones mentioned above. When comparing quotes, consider checking for all the discounts you qualify for to see their impact on your premium. There are several options for insurers that offer cheap auto coverage for your van.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base). For new vs used vehicles, we also included the following years in our calculations: 2016, 2017, 2018, 2019 (base) and 2020.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as Bankrate.com, The Simple Dollar, Coverage.com and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.