Finding the cheapest car insurance for a Dodge Grand Caravan in Kentucky relies on many rating criteria such as how many years you have been driving, what you do for a living, and blemishes on your driving record. Drivers in Kentucky pay approximately $882 per year to insure their Grand Caravan, but that amount is an approximation calculated using a 50-year-old married male driver with full coverage and $100 deductibles.
But there is a high probability that you’re not a 50-year-old male, maybe you are single instead of married, or maybe you have a teenager that needs to be on your policy. This example demonstrates why the only real way to find the cheapest rates for your Dodge is to just compare rates yourself. Quotes are free and easy and you will be able to compare rates from some of the best companies available.
Compare Dodge Grand Caravan Insurance Rates
Your Dodge’s trim level tends to impact the insurance rate, so the price you pay to insure a Grand Caravan CV model will cost $106 less than the insurance cost for the higher-end Grand Caravan SXT trim level, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $220 | $354 | $314 | $18 | $94 | $1,000 | $83 |
| Grand Caravan SE | $220 | $354 | $314 | $18 | $94 | $1,000 | $83 |
| Grand Caravan Hero | $220 | $432 | $314 | $18 | $94 | $1,078 | $90 |
| Grand Caravan Crew | $248 | $432 | $314 | $18 | $94 | $1,106 | $92 |
| Grand Caravan SXT | $248 | $432 | $314 | $18 | $94 | $1,106 | $92 |
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Information does not factor in specific location information which can raise or lower premiums significantly.
Finding decent, budget auto insurance is not most people’s favorite thing to do, and determining which company offers the cheapest insurance rates for a Dodge Grand Caravan may require even more rate comparisons. Every car insurance company has a proprietary formula to establish rates, so we need to take a look at the insurance companies with the overall best prices in Lexington.
Find Cheaper Auto Insurance for Your Dodge
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Cincinnati Insurance | $1,115 |
| 2 | Kentucky Farm Bureau | $1,163 |
| 3 | USAA | $1,187 |
| 4 | Auto-Owners | $1,399 |
| 5 | Motorists Mutual | $1,601 |
| 6 | Grange Mutual | $1,609 |
| 7 | Travelers | $1,663 |
| 8 | State Farm | $1,867 |
| 9 | Westfield | $1,870 |
| 10 | Safe Auto | $1,932 |
| 11 | Nationwide | $2,085 |
| 12 | Electric | $2,139 |
| 13 | Progressive | $2,140 |
| 14 | State Auto | $2,254 |
| 15 | Encompass | $2,358 |
| 16 | GEICO | $2,413 |
| 17 | Safeco | $2,709 |
| 18 | MetLife | $3,053 |
| 19 | Shelter | $3,167 |
| 20 | Liberty Mutual | $3,598 |
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Cincinnati Insurance has some of the most affordable car insurance rates in Lexington at around $1,115 a year. This is $1,028 less than the average price paid by Kentucky drivers of $2,143. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual also make the cut as some of the best Lexington, KY insurance companies.
As illustrated above, if you are insured with Auto-Owners and switched to Kentucky Farm Bureau, you could earn a yearly savings of around $236. Insureds with Motorists Mutual may save as much as $438 a year, and Grange Mutual policyholders might realize rate reductions of up to $446 a year.
Bear in mind that those prices are averages across all types of insureds and vehicles and do not take into consideration an exact vehicle garaging location for a Dodge Grand Caravan. So the auto insurance company that is best for you may not even be in the list above. That’s why you need to get rate quotes using your own individual information.
Poor driving habits will raise your insurance rates
The ideal way to maintain affordable insurance rates in Lexington for a Grand Caravan is to pay attention while driving and avoid accidents and traffic citations. The information below illustrates how traffic citations and at-fault accidents can influence insurance costs for different ages of insureds. The premiums are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
The data in the chart shows the average cost of an auto insurance policy in Kentucky per year with a clean driving record and no accidents is $1,603. Get written up for one speeding ticket and the average cost rises to $1,864, an increase of $261 each year. Now add two accidents along with the one speeding ticket and the 12-month cost of insurance for a Dodge Grand Caravan jumps again to an average of $4,096. That’s an increase of $2,493, or $208 per month, just for being a careless driver!
Discount Lexington auto insurance rates
Car insurance companies that offer quotes for a Dodge Grand Caravan may also give you discounts that could potentially reduce rates by as much as 35% or more if you meet specific criteria. A few of the larger companies and some of the discounts are outlined below.
- State Farm has discounts for accident-free, Drive Safe & Save, anti-theft, driver’s education, and student away at school.
- GEICO offers discounts including daytime running lights, anti-theft, membership and employees, defensive driver, five-year accident-free, seat belt use, and multi-vehicle.
- SAFECO offers premium reductions for multi-car, teen safety rewards, drive less, safe driver, and bundle discounts.
- Farmers Insurance includes discounts for multi-car, electronic funds transfer, business and professional, pay in full, distant student, and good student.
- AAA may include discounts for anti-theft, AAA membership discount, good student, education and occupation, and multi-car.
- USAA has savings for vehicle storage, military installation, new vehicle, driver training, multi-vehicle, family discount, and multi-policy.
The diagram below compares insurance premiums with and without policy discounts. The costs are based on a male driver, no accidents, no driving violations, Kentucky state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with homeowner, anti-theft, vehicle safety, marriage, accident-free, and multiple vehicle discounts applied. When taking advantage of discounts, theaverage amount saved on insurance for a Dodge Grand Caravan is 28% or $573.
Ideas to find low-cost auto insurance for a Dodge Grand Caravan
It’s not impossible to find cheaper rates, and here are some thrifty suggestions that can help Kentucky drivers get lower-cost coverage.
- Vehicles with good safety ratings have lower liability rates
- Avoid at-fault accidents and claims
- Higher credit scores may earn you cheaper rates
- Pay for smaller claims out-of-pocket
- Just one traffic violation will increase your rates
- Compare price quotes at least once a year
The last idea is certainly necessary, as we stressed in this write-up. Insurance prices fluctuate constantly, so don’t be unwilling to buy from a new company if a better rate can be found.
Having brand loyalty is commendable, but it’s not a great idea if your bullheadedness ends up costing you a wad of cash every year. Spend a few minutes and compare prices and find cheaper car insurance for a Dodge Grand Caravan in Lexington.