Car insurance for minivans

How much does it cost to insure a minivan?

The cost of car insurance varies significantly from driver to driver. While the average national cost of car insurance is $2,671 annually for a full coverage policy, and minimum coverage averages $806 annually, you may pay more or less based on your unique rating factors. The make and model of your vehicle has a significant effect on the  actual cost of your auto insurance rates. Fortunately for minivan drivers, minivans with high safety ratings are typically more affordable to insure than sedans. Some of the points of consideration insurance carriers use to determine the premium costs for a particular make and model include:

• Crash rate stats per make/model: Different vehicle types have different crash statistics. Sports cars and coupes generally have higher accident rates than sedans like the Toyota Camry or minivans like the Honda Odyssey. Car insurance companies generally assign higher premiums to vehicles with higher crash rates.
• Price of parts: The price of a vehicle’s parts is dependent on the make and model, with foreign vehicles typically having more expensive parts than domestic vehicles. Since more expensive parts means more expensive repair costs, carriers typically charge more to insure vehicles with costly parts.
• Safety features: Car insurance companies may offer lower rates if your vehicle is equipped with top-notch safety features. Multiple minivans on the market receive high marks for safety according to ratings from the Insurance Institute for Highway Safety (IIHS). The 2025 Toyota Sienna earned the top rating this year, with the 2025 Honda Odyssey just behind. The 2025 Chrysler also scored very well.

Car insurance rates: Chrysler Pacifica vs. Honda Odyssey

Since average rates vary based on multiple factors, including the vehicle's make and model and your location, we gathered average rates from Quadrant Information Services for both the Pacifica and Odyssey — two of the most popular minivans — from some of the best car insurance companies. We also collected average rates for these top pick minivans across all states so that drivers everywhere can better understand the rates they might expect when insuring these vehicles.

Even if you do not have one of these two models, it may be helpful to look at their average rates across the country to get a ballpark picture of what it costs to insure a new minivan. The table below features data on both models, so you can have a sense of how these two popular models compare with each other and with your own minivan.

The Honda Odyssey came in third place J.D. Power Best Vans and Minivans of 2025 list with a score of 78/100. Consumers say the design, performance, comfort and resale value of this model are better than average. The list only contains three minivans this year, and the Chrysler Pacifica wasn't ranked. However, it's worth noting that the Chrysler Pacifica tied for fourth place in the list for 2024 with a score of 71/100. At that time, owners cited the fuel economy, the feel of driving it and the Pacifica's carrying capacity as some of their top reasons they liked the minivan.

Compare Pacifica and Odyssey car insurance rates by carrier

Bankrate analyzed rates from five providers, chosen based on the largest providers by market share and our picks for some of the best car insurance companies of 2025. We also looked at customer service scores from J.D. Power, financial strength ratings from AM Best, coverage options, digital experience and more. Using this data, we assigned each insurer a Bankrate Score from 0.0 to 5.0, with higher numbers indicating a company that excels across the board. A carrier's Bankrate Score can help you quickly narrow down the best insurance company for your needs.

Although rates will differ for each driver, the chart below highlights how different the rates can be from one carrier to the next, even with the same driver parameters. All the carriers displayed offer average rates that were below the national average of $2,671. If you’re looking for cheap car insurance, it may be helpful to use these rates as a point of comparison.

Average annual full coverage rates by carrier: Chrysler Pacifica vs. Honda Odyssey

Compare Pacifica and Odyssey car insurance rates by state 

As we noted before, your location impacts your insurance rates. Insurers calculate the risks inherent in driving in your ZIP code and factor that into your car insurance premium. If you live in a state or region that has a higher-than-average rate of car accidents, for example, you may pay more for your car insurance.

How to get the cheapest car insurance for your minivan

If you are looking for the most affordable coverage options for your minivan, there are a few strategies that you can use to save money. Consider the following tactics when you begin your search for the best car insurance for your minivan:

• Get multiple quotes: Carriers have their own methods for determining premium costs, and you can't know who will be cheapest for you unless you ask for multiple quotes from a range of carriers. You can get more apples-to-apples quotes by entering the same information across all companies. For instance, compare liability insurance to liability insurance instead of liability insurance to comprehensive insurance.
• Take a safe driving course: Most insurers will give a preferable rate to those who are likely to remain claim-free. Taking a safe driving course indicates to your insurer that you're serious about being a careful driver and may earn you a discount. 
• Use telematics programs: Most major insurance companies offer a telematics program, which monitors your driving in real time and can earn you a discount of up to 40 percent if you regularly drive in a safe and careful manner.
• Increase your deductible: If you have full coverage, you will need to pay a deductible on your comprehensive and collision coverage before your insurance kicks in after a claim. Raising your deductible — for example, switching it from $250 to $500 — is likely to lead to a reduced premium, since you are assuming more financial responsibility. Just be sure that the deductible you select is an amount you feel comfortable paying on short notice.
• Review your policy annually: When you renew your insurance, check to be sure you are getting all the discounts you are eligible for and still have the coverage you need. As your car ages, for example, there might be coverage types you can reduce or drop. Speak with your insurance agent to make sure you are still fully financially protected.
• Bundle your insurance policies: You can typically get a discount on insurance coverage if you have more than one policy with the same provider. Consider bundling your car insurance with renters insurance, homeowners insurance, or another auto insurance policy for a different car.
• Look for professional discounts: Some insurers offer a discount to drivers who work in certain industries, such as people who work in a medical group. You may also want to check with your employer. If you're working for a major corporation, there is a chance your organization has a group discount on auto insurance with particular carriers.

Minivan features that impact insurance costs

Minivans typically offer convenient, innovative features for families, such as entertainment systems, folding seats and sliding doors. But they also offer a variety of safety features. Some of the most common security features in new minivans may bring down the cost of your premiums because they help prevent major claims.

• Side air bags: Many minivans offer multiple airbags, including side airbags. Side airbags are designed to offer greater protection from impact for all passengers — not just the driver or front passenger.
• Blind-spot monitoring: This system provides a warning to the driver that another vehicle is located in the side or rear of their vehicle which might not be easily seen.
• Forward collision warning: This feature signals when your vehicle could potentially be in a collision with a vehicle in front of it.
• Backup camera: A backup camera can help limit the risk of backing a minivan into another vehicle or stationary object, when the driver would typically be considered at fault.
• Automatic emergency braking: This system brings your vehicle to a halt when a sensor detects that you’re too close to an object in front of you. Nearly all new minivans have automatic emergency braking, or AEB, but some older models may not.
• Lane departure warning: When a minivan has this feature, the driver is alerted when they start to veer out of a lane of traffic. You will hear a beep when you start to drift too far outside of the designated lane.
• Anti-theft devices: Having a security system on your minivan mitigates the risk of it being stolen, and your car insurance company may reward this reduced risk with a premium discount.

Other car insurance coverage to consider for your minivan

In addition to state minimum requirements for liability insurance, there are other types of minivan insurance available to increase your protection. Many types of insurance can be added endorsements, commonly called add-ons or endorsements, which refer to any change that amends your standard insurance policy. Many drivers also choose to get collision and comprehensive coverage for vans and minivans. When combined with liability coverage, this would give you full coverage. Although it costs more than minimum coverage, full coverage provides more thorough financial protection for you if you are in an accident. If you only have liability coverage, you will have to pay for the damage to your own vehicle out of pocket.

Other coverage options you may want to consider include the following:

• Roadside assistance: This coverage can be extremely helpful if you find your minivan inoperable. If you are stranded, roadside assistance can help re-fuel, charge a battery, offer towing assistance or tire changing services.
• Gap insurance: This optional coverage pays the “gap” between the amount you owe on your lease or loan and the vehicle’s value that the insurance carrier will pay out if your minivan is totaled. This keeps you from having to pay a hefty out-of-pocket bill if the minivan is totaled before most of the loan balance is paid down.
• Uninsured and underinsured motorist: This coverage is mandatory in some — but not all  — states and may pay for your and your passengers’ medical costs if you are hit by someone with little or no insurance. In some states, uninsured motorist property damage coverage is also available.
• New car replacement: If your new car is totaled in an accident, this coverage type will pay for you to purchase a new car of the same type. This is generally limited to drivers with cars that are not more than a few years old or with fewer than a certain number of miles on them.
• Rental car reimbursement: If your car is damaged in a covered claim, this endorsement will pay for you to rent a car while your vehicle is being repaired. You may have a maximum amount of money that you’re allowed to spend and/or a limit to the number of days you can rent a car.

Frequently asked questions

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