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Cheapest Minivans to Insure

The cheapest minivans to insure, ranked from real HLDI insurance-loss data — the Buick Terraza is cheapest at about $951/yr. 28 minivans ranked, not a quote form.

By ForCar Research · Loss data HLDI · Premiums NAIC
Cheapest minivans to insure

The cheapest minivans to insure share a clear profile: low theft, low repair cost and low injury claims. On our data the Buick Terraza is cheapest — about $951/yr at the US average, roughly 34% 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.

CHEAPEST
Terraza
cheapest ($951/yr)
PER YEAR
$951
cheapest est. premium
GROUP AVG
$1,395
average for these minivans
RANKED
28
minivans with real data
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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.

FIG.01
#VehicleEst. premiumvs averageVerdict
1Buick Terraza$951/yr66% of avgCheap
2Hyundai Entourage$1,044/yr73% of avgCheap
3Mazda MPV$1,079/yr75% of avgCheap
4Chevrolet Uplander$1,099/yr76% of avgCheap
5Honda Odyssey$1,119/yr78% of avgCheap
6Subaru XV CrossTrek$1,132/yr79% of avgCheap
7Acura TSX$1,150/yr80% of avgCheap
8Dodge Caravan$1,160/yr81% of avgCheap
9Ford Freestar$1,166/yr81% of avgCheap
10Volvo V50$1,227/yr85% of avgCheap
11Chrysler Pacifica$1,247/yr87% of avgCheap
12Chevrolet HHR$1,301/yr91% of avgCheap
13Volkswagen Routan$1,323/yr92% of avgCheap
14Kia Carnival$1,380/yr96% of avgAverage
15Kia Rondo$1,395/yr97% of avgAverage
16Kia Sedona$1,409/yr98% of avgAverage
17Toyota Sienna$1,470/yr102% of avgAverage
18Nissan Quest$1,481/yr103% of avgAverage
19Chrysler Voyager$1,530/yr106% of avgAverage
20Suzuki Forenza$1,588/yr110% of avgAverage
21Chrysler PT Cruiser$1,611/yr112% of avgPricey
22Dodge Grand Caravan$1,615/yr112% of avgPricey
23Chevrolet Aveo$1,625/yr113% of avgPricey
24Dodge Caliber$1,654/yr115% of avgPricey
25Nissan Cube$1,682/yr117% of avgPricey
26Saab 9-2X$1,737/yr121% of avgPricey
27Suzuki SX4$1,766/yr123% of avgPricey
28Dodge Magnum$2,015/yr140% of avgPricey
ROWS 28·SOURCE HLDI × NAIC
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Top 15 cheapest minivans to insure

Estimated annual premium at the US average — the cheapest minivans to insure.

FIG.02
01
Buick Terraza66% of avg$951
02
Hyundai Entourage73% of avg$1,044
03
Mazda MPV75% of avg$1,079
04
Chevrolet Uplander76% of avg$1,099
05
Honda Odyssey78% of avg$1,119
06
Subaru XV CrossTrek79% of avg$1,132
07
Acura TSX80% of avg$1,150
08
Dodge Caravan81% of avg$1,160
09
Ford Freestar81% of avg$1,166
10
Volvo V5085% of avg$1,227
11
Chrysler Pacifica87% of avg$1,247
12
Chevrolet HHR91% of avg$1,301
13
Volkswagen Routan92% of avg$1,323
14
Kia Carnival96% of avg$1,380
15
Kia Rondo97% of avg$1,395
TOP 15·UNIT est. $/yr (US avg)·SOURCE HLDI × NAIC
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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:

Repair costCheap, common parts and simple builds keep collision claims low.
Theft rateRarely-stolen models keep comprehensive premiums down.
Power & speedModest engines mean fewer and less-severe crashes.
SafetyStrong crash ratings and driver-assist cut injury claims.
Who drives itFamily-oriented minivans are driven more carefully; sporty ones aren't.
ValueA pricier car costs more to replace, raising collision and comprehensive.

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.

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Cheapest Minivans to Insure — FAQ

What is the cheapest minivan to insure?
The Buick Terraza is the cheapest minivan to insure in our data — about $951/yr at the US average, roughly 34% 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.
Ranking computed by ForCar from HLDI/IIHS insurance-loss indices (relative losses versus an average car, 100 = average) combined with NAIC US average premium (2023). Estimates assume a typical driver, full coverage; your quote varies with state, age, record and coverage. For research and comparison, not a quote. Reviewed by Denis Kataev, founder of ForCar.
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