The cheapest minivans to insure share a clear profile: low theft, low repair cost and low injury claims. On our data the Pontiac Montana is cheapest — about $923/yr at the US average, roughly 36% below a typical car. Every figure below is the state-average premium × each car's real HLDI insurance-loss index — use the calculator for your state.
Across the 35 minivans we price, insurance averages 96% of what a typical vehicle costs to insure — roughly $1,380/yr against the $1,438 national average. Within this list the gap is $1,092 a year between the cheapest and the other end — same coverage, different car. The top of this ranking is mostly Chevrolet, Dodge, Chrysler. HLDI loss data × NAIC premiums.
Cheapest Minivans to insure — full ranking
Estimated annual premium at the US average, cheapest first — real HLDI insurance-loss index. Click a model for its full page.
| # | Vehicle | Est. premium | vs average | Verdict |
|---|---|---|---|---|
| 1 | Pontiac Montana | $923/yr | 64% of avg | Cheap |
| 2 | Buick Terraza | $951/yr | 66% of avg | Cheap |
| 3 | Hyundai Entourage | $1,044/yr | 73% of avg | Cheap |
| 4 | Saturn Relay | $1,044/yr | 73% of avg | Cheap |
| 5 | Mazda MPV | $1,079/yr | 75% of avg | Cheap |
| 6 | Chevrolet Uplander | $1,099/yr | 76% of avg | Cheap |
| 7 | Honda Odyssey | $1,119/yr | 78% of avg | Cheap |
| 8 | Subaru XV CrossTrek | $1,132/yr | 79% of avg | Cheap |
| 9 | Acura TSX | $1,150/yr | 80% of avg | Cheap |
| 10 | Dodge Caravan | $1,160/yr | 81% of avg | Cheap |
| 11 | Ford Freestar | $1,166/yr | 81% of avg | Cheap |
| 12 | Volvo V50 | $1,227/yr | 85% of avg | Cheap |
| 13 | Chrysler Pacifica | $1,247/yr | 87% of avg | Cheap |
| 14 | Chevrolet HHR | $1,301/yr | 91% of avg | Cheap |
| 15 | Pontiac Vibe | $1,314/yr | 91% of avg | Cheap |
| 16 | Volkswagen Routan | $1,323/yr | 92% of avg | Cheap |
| 17 | Scion xD | $1,366/yr | 95% of avg | Average |
| 18 | Kia Carnival | $1,380/yr | 96% of avg | Average |
| 19 | Kia Rondo | $1,395/yr | 97% of avg | Average |
| 20 | Kia Sedona | $1,409/yr | 98% of avg | Average |
| 21 | Scion xB | $1,452/yr | 101% of avg | Average |
| 22 | Toyota Sienna | $1,470/yr | 102% of avg | Average |
| 23 | Nissan Quest | $1,481/yr | 103% of avg | Average |
| 24 | Chrysler Voyager | $1,530/yr | 106% of avg | Average |
| 25 | Suzuki Forenza | $1,588/yr | 110% of avg | Average |
| 26 | Chrysler PT Cruiser | $1,611/yr | 112% of avg | Pricey |
| 27 | Dodge Grand Caravan | $1,615/yr | 112% of avg | Pricey |
| 28 | Chevrolet Aveo | $1,625/yr | 113% of avg | Pricey |
| 29 | Dodge Caliber | $1,654/yr | 115% of avg | Pricey |
| 30 | Nissan Cube | $1,682/yr | 117% of avg | Pricey |
Top 15 cheapest minivans to insure
Estimated annual premium at the US average — the cheapest minivans to insure.
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What makes a minivan cheap to insure
Insurers price a car on how much it costs them — exactly what the HLDI loss index measures. The big factors:
Safety is one of the biggest levers — cars with top crash-test scores file fewer injury claims. See the safest cars by crash-test score.
Check any car in your state
This ranking uses the US average. Pick a specific car and state below for its estimated annual premium — same real HLDI loss data.
Cheapest Minivans to Insure — frequently asked
What is the cheapest minivan to insure?
The Pontiac Montana is the cheapest minivan to insure in our data — about $923/yr at the US average, roughly 36% below a typical car.
How is this ranking calculated?
We rank minivans by their real HLDI insurance-loss index (how much each costs insurers versus an average car, 100 = average) and estimate the premium as the US-average premium × that index. It's an estimate for a typical driver, full coverage — not a quote.
Are minivans cheaper to insure than other cars?
The minivans on this list run well below the average car; minivans with low theft, repair and injury losses are among the cheapest vehicles to insure overall.
Does the state I live in change this?
Yes — these figures use the US average. Your state can move the premium up or down by 30%+ . Use the calculator or see cost by state.