Finding cheaper insurance for a Dodge Grand Caravan in Oklahoma is dependent upon many different factors such as how old the Grand Caravan is, your credit status, and blemishes on your driving record. Drivers pay on average $856 a year to insure their Grand Caravan, but that amount is a projection using a 50-year-old married female driver with both comprehensive and collision coverage and $1,000 deductibles.
The issue with using an average estimated rate is the likelihood you’re not a 50-year-old female, you might be single instead of married, or maybe you’re a renter instead of a homeowner. Have just a small change in rating variables or coverage information can result in a massive change in the cost of insuring your Grand Caravan.
Car insurance coverage is unique to each driver, so this is why the only way to find cheap insurance rates for your Dodge is to do a thorough rate comparison. It only takes a few minutes and you will be able to compare rates from top-rated companies around.
The specific trim level tends to have a direct impact on the cost of coverage, so the rate you pay to insure a Grand Caravan CV model will be $76 cheaper than the cost to insure the more expensive Grand Caravan SXT model, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $164 | $250 | $422 | $24 | $126 | $986 | $82 |
| Grand Caravan SE | $164 | $250 | $422 | $24 | $126 | $986 | $82 |
| Grand Caravan Hero | $164 | $304 | $422 | $24 | $126 | $1,040 | $87 |
| Grand Caravan Crew | $186 | $304 | $422 | $24 | $126 | $1,062 | $89 |
| Grand Caravan SXT | $186 | $304 | $422 | $24 | $126 | $1,062 | $89 |
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Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can decrease or increase insurance rates significantly.
Deciphering which company quotes the lowest-priced insurance rates for a Dodge Grand Caravan requires more time in order to find a policy that fits your budget.
Each insurer has their own formula for setting prices, so let’s rank the most budget-friendly insurance companies in Tulsa, OK.
Best Cheap Insurance Rates for Your Dodge
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Oklahoma Farmers Union | $1,166 |
| 2 | USAA | $1,185 |
| 3 | GEICO | $1,340 |
| 4 | The Hartford | $1,359 |
| 5 | Farmers | $1,380 |
| 6 | Safe Auto | $1,405 |
| 7 | State Farm | $1,521 |
| 8 | Liberty Mutual | $1,871 |
| 9 | Travelers | $1,906 |
| 10 | Mercury | $1,993 |
| 11 | OK Farm Bureau | $1,997 |
| 12 | Home State | $2,128 |
| 13 | Progressive | $2,157 |
| 14 | MetLife | $2,169 |
| 15 | Shelter | $2,194 |
| 16 | Allstate | $2,376 |
| 17 | Safeco | $5,209 |
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Oklahoma Farmers Union has some of the cheapest car insurance rates in Tulsa at around $1,166 annually. USAA, GEICO, The Hartford, and Farmers are also some of the more affordable Tulsa, OK insurance companies.
In the above example, if you currently have a policy with USAA and switched to Oklahoma Farmers Union, you might achieve an annual premium reduction of upwards of $19. Oklahoma drivers with GEICO may save as much as $174 a year, and The Hartford insureds might see rate reductions of $193 a year.
It’s important to note that these prices are averages across all types of insureds and vehicles and and are not calculated with a specific zip code for a Dodge Grand Caravan. So the company that has the lowest price for you may not even be in the top 17 companies shown above. That point stresses why you need to compare as many prices as possible using your own driver and vehicle profiles.
Get discounts on Tulsa auto insurance rates
Auto insurance companies that offer cheap quotes for a Dodge Grand Caravan could also offer discounts that can lower rates by 30% or more if you qualify. Large insurance companies and their offered discounts are shown below.
- Farm Bureau may include discounts for driver training, good student, multi-policy, renewal discount, and 55 and retired.
- Liberty Mutual may offer discounts for multi-policy, new vehicle discount, teen driver discount, safety features, new move discount, and exclusive group savings.
- State Farm offers premium reductions for student away at school, Steer Clear safe driver discount, safe vehicle, Drive Safe & Save, multiple autos, defensive driving training, and good student.
- Auto-Owners Insurance may have discounts that include paid in full, multi-policy, group or association, safe vehicle, multiple vehicles, mature driver, and anti-theft.
- GEICO discounts include air bags, membership and employees, seat belt use, multi-policy, federal employee, emergency military deployment, and defensive driver.
- SAFECO offers discounts for homeowner, bundle discounts, multi-car, teen safe driver, anti-lock brakes, and teen safety rewards.
The illustration below shows the difference between car insurance rates with and without discounts applied to the policy premium. The costs are based on a female driver, no claims or driving citations, Oklahoma state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple policy, vehicle safety, homeowner, marriage, accident-free, and passive restraint discounts applied. When these discounts are applied to the policy premium, theaverage amount saved on insurance for a Dodge Grand Caravan is 28% or $683.
Tickets and at-fault accidents raise rates
A great way to get good insurance prices for a Grand Caravan is to drive safely and avoid at-fault accidents and violations. The information below demonstrates how traffic citations and accidents increase auto insurance costs for each age group. The rate quotes are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
In the previous chart, the average cost of a car insurance policy in Tulsa per year with a clean driving record and no accidents is $2,376. Add in one speeding ticket and the average cost increases to $2,728, an increase of $352 each year. Next add two accidents along with the one speeding ticket and the 12-month cost of insurance for a Dodge Grand Caravan goes up to an average of $5,782. That’s an increase of $3,406, or $284 per month, just for not driving responsibly!
The information below shows how choosing a deductible can change insurance costs when researching cheap insurance for a Dodge Grand Caravan. The premiums assume a married female driver, full physical damage coverage, and no additional discounts are factored in.
A 50-year-old driver could save $320 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $484 by switching to a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, have the ability to save as much as $794 every year by choosing larger deductibles on their policy. When increasing deductibles, it will be important to have emergency funds available to enable you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
The agents shown below can provide answers to your questions and help you determine which auto insurance coverages would be the best in your situation, since some drivers have questions and prefer to get help from a professional when comparing insurance rates for a Dodge Grand Caravan. It can be difficult to do it yourself, so agents can give you comfort knowing you have enough coverage if you have a claim. To locate a Tulsa auto insurance agent near you, click the button below the list or click here to compare rates now.
- Allstate Insurance: Jim Boese
10396 E 21st St – Tulsa, OK 74129 – (918) 665-2424 - Jake Phillip – State Farm Insurance Agent
5113 S Peoria Ave – Tulsa, OK 74105 – (918) 743-5501 - Stacy Sweeten – State Farm Insurance Agent
4130 S Harvard Ave, Ste A2 – Tulsa, OK 74135 – (918) 743-8700 - Jim Vanderveen – State Farm Insurance Agent
3015 E 15th St – Tulsa, OK 74104 – (918) 712-5979