Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Compare minivan insurance

Protect your family vehicle with a low-price policy — just be sure to choose the right amount of coverage.


Fact checked

Conventional, practical and safe may not be the most exciting words to describe your wheels. But buying a minivan also means one of the lowest insurance premiums on the market thanks to its safety ratings.

If you need the space a minivan provides, consider upping coverage limits for your extra passengers.

What kind of minivan coverage do I need?

Your state’s insurance requirements may vary, but you’ll typically need:

  • Liability. This insurance covers damages for a third-party if you crash your minivan into another car or object. Most states require this coverage.
  • Uninsured motorist. Uninsured or underinsured motorist coverage is also usually required by the state. But even if it’s not, it’s a good idea to make sure you’re not stuck paying for the more expensive repairs to your minivan.
  • Comprehensive. Usually optional, this policy covers damages to your minivan that happen while you’re not driving it — such as theft, weather damage or vandalism. This could be helpful if your minivan is your family’s daily driver.
  • Personal injury protection. Even if your minivan has high safety ratings, you could still suffer an injury in an accident. PIP provides coverage for medical costs for all passengers regardless of fault. It’s especially useful if your minivan’s seats will be full most of the time.

What minivan add-on coverage should I consider?

Consider these insurance add-ons to increase the coverage on your minivan:

  • Glass replacement. This coverage replaces your windshield or windows without a deductible, which can come in handy, especially if your minivan has a sunroof.
  • Gap insurance. Your new minivan will start to depreciate the minute you drive it off the lot. Having gap insurance covers you so you’re not left paying off a loan that’s worth more than the depreciated value of your car.
  • Roadside assistance. This provides help with a flat, a battery jump or a tow if you have trouble with your minivan while on the road. Consider this if you drive an older minivan or if it’s the only car your whole family fits in.

Compare car insurance for minivan

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.

Compare up to 4 providers

Do different kinds of minivans have different insurance requirements?

There aren’t many different categories of minivans, but these may come with higher insurance premiums:

  • Luxury minivan. Luxury brands cost more and are more expensive to repair. If you choose a luxury minivan, you’ll be paying a higher insurance premium to cover it.
  • Hybrid and electric minivans With only a few hybrid minivans on the market and only one plug-in minivan, you may not be able to predict your insurance premium. But you can count on it being higher than the gas-only model because of its higher price, more expensive repairs and the specialty technicians you’ll need to work on the van.

How can I get cheap minivan insurance?

Minivans are already one of the least expensive cars to insure. But keep the following in mind to make sure yours stays that way:

  • Avoid luxury brands. Luxury cars come with a larger sticker price and a larger insurance premium. To keep your costs down, buy a standard brand minivan.
  • Stick with the standard trim. Because minivans can be more expensive to repair, sticking with the base model ensures you’re not adding too many high-end features that could raise your insurance premiums.
  • Safety first. Safety and antitheft features can raise your car’s safety rating and reduce your insurance rate.
  • Pick the right deductible. Having a higher deductible means having to pay more out of pocket before repairs are covered, but it can lower your monthly premium. Choose a deductible that’s as high as you can afford.

Bottom line

A minivan may be the right choice for you with its low insurance rates, safety features and additional space for passengers. But the kind of minivan you choose and how and where you drive it will have an effect on the type of insurance you need and its cost.
Before you buy, compare your car insurance options so you can choose the coverage that works best for you.

Frequently asked questions about minivan insurance

Related Posts

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site