About $1,615 a year for full coverage on a national average — 12% more than the $1,438 average car. Insurers rate the Dodge Grand Caravan at an index of 112 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2018-2020).
The premium isn't spread evenly across the Dodge Grand Caravan: Bodily injury — injuries you cause to other people — carries its highest loss index at 141, while Comprehensive sits at 80. Those 61 points are the real reason behind the price, and they are the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2020 Grand Caravan sells for a median $12,499, so a year of cover costs 12.9% of the car's value. Over 15 generations of data the index has climbed from 72 (2004-2006) to 112 (2018-2020). Calculated from 15 insurance-loss records and live US listing prices.
Why a Grand Caravan costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,615: Liability (BI + PD) $775 · Collision $452 · Comprehensive $194 · Other (UM / PIP) $194.
How it changed by generation
Insurance-loss index of the Grand Caravan across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The Grand Caravan has become more expensive to insure over time (+40 points).
What a Grand Caravan costs by state
Where you park matters as much as what you drive. The Grand Caravan's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Grand Caravan est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Dodge Grand Caravan's loss index of 112 — your own quote also depends on age, record, deductible and ZIP.
Dodge Grand Caravan insurance — frequently asked
How much is insurance for a Dodge Grand Caravan?
About $1,615 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 112 applied to the US average premium.
Why is the Grand Caravan expensive or cheap to insure?
For the Dodge Grand Caravan the costliest area is Bodily injury at an index of 141, covering injuries you cause to other people — against 80 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Dodge Grand Caravan lands at 112, not at what it costs new.
Is that a lot relative to the car's value?
A year of cover is 12.9% of what a 2020 Grand Caravan sells for — $1,615 against a median price of $12,499. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 12.9% the Grand Caravan sits on the expensive side of that trade.
Does its safety rating lower the premium?
Not directly. The Grand Caravan holds 4 stars from NHTSA, but crash-test performance and repair cost are priced separately — a car can protect occupants well and still be costly to fix.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same Grand Caravan can differ by hundreds between two drivers.
How we work this out
Mark ForCar as a preferred source and our data shows up first in your Google results. One click, no account.