Minivan Insurance

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Save on insurance for your minivan

Whether you drive a minivan to get your family around town or for other purposes, you need the right insurance policy to protect it. Similar to a standard auto insurance policy, you could be leaving money on the table if you don't shop around and compare. There are a lot of coverage options available. There are also many ways to save money.

Our brokers will help you get the cheapest rates for minivan insurance and protect your family with the best coverage. Call us today or start an online quote to explore options and find the lowest insurance quotes for your minivan.

Key takeaways

Minivan insurance rates are similar to standard car insurance policies.
Minivans typically cost less to insure compared to other personal vehicles.
Brokers will help you find the cheapest quotes and coverage that’ll protect your family.

What is a minivan for insurance purposes?

A minivan is a 4- or 5-door vehicle used to transport people. They have up to 8 seats, usually in two rows. They are the most popular van type for personal use only. Commercial vans are larger, such as cube vans or sprinters. These are typically used to transport goods or people for commercial purposes.

What is minivan insurance?

Minivan insurance is a type of auto insurance that protects against physical damage and liability. It falls into the personal car insurance category. The type of coverage available is the same as other passenger vehicles.

Minivan insurance is different than van insurance or commercial van insurance, which falls under commercial vehicle insurance. So, if you use your minivan for business purposes, you’ll require a commercial insurance policy.

How to compare minivan insurance quotes

Complete these quick and easy steps to compare quotes and start saving.

1) Start your quote

Enter your postal code and some basic information.

2) Enter your driving details

Provide your driving and vehicle information.

3) Compare quotes

Compare quotes from the leading companies.

Choose your policy

Choose the lowest rate. Confirm the details with our experts and buy your insurance.

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How does minivan insurance work?

father loads personal belongings into minivan.

Insurance for minivans follows the same rules as other personal vehicles. All drives must have the minimum amount of mandatory Ontario car insurance coverage. This includes $200,000 in third-party liability, accident benefits, and uninsured motorist protection. Here’s a summary of the required coverage included in minivan insurance policies:

Third party liability: This protects you from liability claims made against you after an at-fault accident.
Statutory accident benefits: Receive medical care for the driver and passengers if injured in a collision. You also receive attendant care, rehabilitation, and lost income as part of the coverage.
Uninsured motorist: Protection if an uninsured driver hits you (includes hit-and-run).
Direct compensation property damage is no longer mandatory.

You can personalize your minivan insurance with optional coverage. You can increase your mandatory plan limits or add one of the following types of coverage:

Collision insurance: Coverage for accident damage to objects, such as a tree or street sign.
Comprehensive insurance: Protection from damage from non-driving events, such as weather damage.
All perils insurance: A combination of comprehensive and collision coverage.
Specified perils insurance: Coverage for the perils that are listed in your policy.

How much does minivan insurance cost?

Minivan insurance costs are lumped in with Ontario's average cost of personal vehicles. How much you pay will depend on the van you drive (value, size, features, safety rating) and personal information—for example, your driving record, age, experience, and where you live.

Get a quote with ThinkInsure to get an accurate estimate of insurance coverage for your minivan.

Minivan insurance rates for popular brands and models

We compare customer quote data from 2024 to show how much popular minivan models cost to insure in Ontario. Most minivans fall within the range of $1900 to $2400 annually. Here’s a breakdown:

Minivan	Premiums	Monthly payment
Toyota Sienna	$2,393	$199
Honda Odyessy	$1,940	$162
Chrysler Pacifica	$2,026	$169
Kia Carnival	$2,872	$239
Dodge Grand Caravan	$1,910	$159
Kia Sedona	$2,126	$177

What factors affect insurance for minivans?

There is a host of factors insurers use to determine your premiums. Here are the top factors that will influence how much you pay for insurance:

Price: The cost of your vehicle affects your coverage and replacement cost needs.
Minivan model: Specific features and technology will affect repair costs.
Safety rating: Safer models result in less damage and fewer injuries.
Risk of theft: Where you live, park, and how often a van model is stolen affects your premiums.
The driver: Your age, driving record, experience, licence type, and claims history are all considered by insurers when setting rates.

Tips to get cheap minivan insurance

Keeping your minivan insurance rates to a minimum is essential amid inflation and the rising cost of living. Here are some ways to reduce your payments:

Consider buying used instead of new
Combine your coverage with your home or renters insurance with an insurance bundle
Use a broker and compare your insurance options from multiple providers
Pay your policy in full
Maintain a claims and collision-free record
Add a security system and park in a garage (if possible)
Consider usage based insurance (UBI)

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Kevin St Clair

2024-11-28

Betsy was a genuine pleasure to deal with considering the circumstances. Thanks again for all your help

Anthony Gomez

2024-11-27

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2024-11-20

Absolutely amazing service the broker Todd worked on my quote fast I recommend this company to anyone very professional I’m so glad I called them .. Thank you for your great work

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2024-11-15

Betsy Bannon has been nothing short of amazing at helping us through the complex process of acquiring business insurance. She quickly understood our needs and expertly guided us to the right solution. From start to finish, she made us feel like her most important client which gave us the confidence that we were in great hands. We highly recommend Betsy!

Jermaine M

2024-11-05

I had a great experience with Patrick Vuong. He went above and beyond to help me update last minute changes to my policy in order to qualify for a government grant. Staying back late and coming in early the next day to help finishes the changes. Very kind and professional!

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2024-11-05

Betsy Bannon is a professional extremely friendly and knowledgeable and made my experience wonderful! Highly recommend her for any insurance needs. Mark Gaffney

fabian ward

2024-11-04

Great service! Prompt and very helpful! Thanks to Todd allan for really helping me out!

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2024-11-01

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Minivan insurance FAQs

Are minivans cheaper to insure?

Minivans are usually more affordable compared to other vehicle makes and models. They are less of a theft target and typically have a strong safety rating. But this is only true in some instances. It depends on what you are comparing a minivan to.

If you are looking to find the lowest insurance rates, check out our blog on the cheapest cars to insure.

What is the most affordable minivan to insure?

Minivan insurance costs tend to be similar. You will get cheaper quotes for minivans with higher safety ratings, lower MSRP, and more affordable repair costs. You will see more significant savings when you insure a used minivan than a new model.

Here is some vital information on how to buy a used car.

What is the best insurance for a van/minivan?

The best insurance policy for your minivan depends on how you use your vehicle. Do you commute daily? Only drive occasionally? Do you use it for business purposes? Is your vehicle older, or is it a newer model? These and many other questions must be answered to select the best insurance. Speak with our insurance brokers to compare your options and find the lowest quotes.

Is it cheaper to insure a minivan or an SUV?

While one may assume that minivan insurance costs less than SUV insurance, it’s not always the case. Insurance rates depend on your situation. But minivans usually have more affordable rates. They are more cost-effective to repair and less likely to get stolen, among other things.

Get a free insurance quote for your minivan

Do you need to get insurance for a minivan? At ThinkInsure, we’ll get you the best policy to meet your driving needs at the lowest rates.

We work with the top insurers in Canada so that you can compare minivan insurance quotes quickly. Get started online, or give us a call. We'll help you get the coverage you need for a great price!

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A final word about minivan insurance

Minivan insurance is similar to standard car insurance policies. Rates can be more affordable when compared to SUVs and other similar personal vehicles. If you want to save money, take steps to reduce risk and compare quotes with a broker.

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