Chrysler Town & Country Car Insurance: How Much Should You Expect to Pay?

Chrysler Town & Country drivers pay about $125 monthly for their car insurance, on average. See how much insurance companies might charge to insure your Chrysler Town & Country with our comprehensive guide.

Quick Facts

  • The Chrysler Town & Country costs about the same as most other trucks to insure.
  • Full coverage auto insurance for a Town & Country runs around $128 a month, on average, while liability only insurance typically comes in at about $72 per month.
  • The cheapest car insurance company for a Town & Country is Ohio Mutual.

Town & Country Overview

Coming in with a base MSRP of $29,945 for 2016 models, the Chrysler Town & Country is a great budget-friendly car for drivers of all types. Not only is it on the affordable end of the spectrum when it comes to overall price point, it's also a smart option for your budget when taking insurance prices into consideration.

We ran through thousands of auto insurance quotes on Compare.com, and we've found that Chrysler Town & Country insurance rates run around $125 a month, on average. But where does that fall compared to the rest of the market?

Current Base Price$29,945
Body Style(s)Truck
Trim LevelsTOURING, LX, S, LIMITED, TOURING L, LIMITED PLATINUM
Average Insurance Premium$125/mo.
Cheapest Insurance CompanyOhio Mutual

How Much is Car Insurance for a Chrysler Town & Country?

Vehicle Liability Only Full Coverage
Chrysler Town & Country$72$128
All Chrysler Models$79$167
All Trucks$70$128
Average Insurance Premium$81$169

In the table above, you'll find that Chrysler Town & Country insurance premiums are below average. On average, Town & Country owners can expect to pay about $72 monthly for liability insurance, and around $128 per month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

Comparing it to other Chrysler models, the Town & Country is less expensive, with rates more than 10% lower than the rest of the automaker's vehicle lineup. Compared to truck offerings from other brands, car insurance for a Town & Country is more expensive than average, with liability insurance prices coming in at $2 higher than other trucks and full coverage insurance premiums averaging exactly the same rates.

When compared to all vehicles of any body type, full coverage rates for the Town & Country run about the same, while liability only insurance is lower than average.

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Who has the Cheapest Car Insurance for a Chrysler Town & Country?

Insurance Company Average Monthly Premium
ACG$26
Acuity$30
American Family$30
Shelter Mutual$32
NationalGeneral$35

If you're looking for a car insurance policy for a Chrysler Town & Country, you may be wondering which carrier offers the cheapest rates. Although costs will normally be pretty different from driver to driver, ACG has the lowest average rates for liability only coverage, with rates as low as $26 a month. The runner up for most affordable rates is Acuity, with auto insurance policies starting as little as $30 monthly.

The third, fourth, and fifth carriers on the list are American Family, Shelter Mutual, and NationalGeneral. That being said, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

Insurance companies take many variables into consideration when calculating monthly prices. By checking quotes from a bunch of car insurance carriers at once, you can guarantee you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Chrysler Town & Country?

There are a whole bunch of variables that insurance companies use to decide how much they charge you -- and each company uses a different method, so there's not a single carrier that's the cheapest for every Town & Country driver.

The sections below show a wide array of factors auto insurance carriers use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$57
2-3 Years$60
4-5 Years$76
6-7 Years$67
8-10 Years$72
11-14 Years$76
15 Years or Older$69

The Chrysler Town & Country has been around for a while -- that means vehicle age can make a big difference in what you end up paying for car insurance. Generally, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Town & Countrys continue to depreciate, insurance costs will gradually go down.

Since a new model has not been added to the market for at least 5 years, the Town & Country won't really fit this trend. However, as you can see in the table above, the cheapest Chrysler Town & Countrys to insure are those that are 1 year old or less, while the most expensive models are Town & Countrys that are 4 to 5 and 11 to 14 years old, on average.

Your Age

Age Average Monthly Premium

Age is another factor that makes a significant difference in how much you pay for auto insurance. As you can see in the table above, young drivers pay more expensive prices compared to drivers who have more experience on the road. In this case, drivers under 18 pay $43 more than those 25 or older.

Auto insurance prices continue to go lower as you get older, with the cheapest age group being 55-64 for Town & Country drivers.

Your Gender

Gender Average Monthly Premium
Male$74
Female$70

Did you know women tend to pay less for insurance than men? This is because women are less likely to get into accidents and get tickets, which decreases the chances of an insurance claim. The Chrysler Town & Country sticks to the norm, where women pay around $70 per month for car insurance and men pay about $74.

Where You Live

State Average Monthly Premium
California$46
Florida$110
Georgia$89
Illinois$41
New York$164
North Carolina$45
Ohio$46
Pennsylvania$64
Texas$53
Virginia$53

You may already know that things such as how old you are and what vehicle you drive play a role in your auto insurance premiums, but did you know that where you live is just as important? Car insurance is regulated on the state level rather than nationally, so prices can vary quite a bit depending on what state you live in.

For example, the average Chrysler Town & Country owner in New York pays around $164 monthly for liability coverage. Meanwhile, on average, the same Californian driver will pay less than half of that price. The chart above shows average premiums for the top 10 most populous states, just to give you a good idea of how much rates can change across states.

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Chrysler Town & Country Car Insurance Discounts

Whatever your car, your age, or your home state, using as many discounts as possible when it comes to your insurance is always in your best interest when shopping around for a new policy.

Even though all car insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include things like:

  • Multi-policy discounts for using the same insurance company for both your home and auto insurance
  • Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
  • Pay-in-full discounts for choosing to pay your entire policy rate at once, rather than in monthly installments
  • Multi-car discounts for insuring more than one of your vehicles with the same carrier

While these are just a few of the discounts insurance companies offer, there are countless other ways to save money on you monthly insurance bill.

Even though you may not have control of every variable car insurance carriers look at to calculate premiums (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the factors you can use in your favor when it comes to saving money:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$88
Multiple Accidents$120
1 Ticket$79
Multiple Tickets$101

It's no secret that auto insurance companies offer the most affordable rates to drivers with clean records. It checks out that your car insurance prices will go higher if you get tickets for speeding or get into a collision. But exactly how much will these infractions cost you?

Based on the table above, accidents will usually cost Town & Country drivers more than tickets, but both will result in higher than normal rates. Chrysler Town & Country drivers with a single ticket will pay about $79 per month, while drivers with one accident on their record pay an average of $88 per month (up $16 from the $72/mo. overall average). Drivers who have multiple violations of either kind will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$68
2,501-5,000 Miles$66
5,001-7,500 Miles$69
7,501-10,000 Miles$76
10,000+ Miles$71

Another factor that plays a role in your auto insurance rates is the amount of miles you drive. Drivers who are on the roads less often have fewer opportunities to get into an accident, so they'll generally get less expensive premiums. Above, you can see that Chrysler Town & Country owners who drive 10,000 miles or more pay $71 for insurance, while those who drive fewer than 2,500 miles every year pay an average of $68 a month.

If you drive less often than the average driver or work from home, it may be worth reviewing usage-based or pay-per-mile auto insurance. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Chrysler Town & Countrys Compare to Other Vehicles?

If you're thinking about making a Chrysler Town & Country your next vehicle, it might be helpful to do your research. Auto insurance is just one cost that comes with buying a new car, but it's guaranteed to be one that's worth taking into consideration.

Take a look at the table below to see how the Chrysler Town & Country compares:

Chrysler Town & Country National Average
Liability Insurance$75$81
Full Coverage Insurance$149$169
Base MSRP$29,945$41,071
Average Annual Mileage10,76911,617

With an MSRP that's a quarter less than the going rate for a new vehicle, the Chrysler Town & Country is a great value when it comes to price. While the national average vehicle MSRP is $41,071, the Town & Country starts at just $29,945. And since it's been a few years since a new Town & Country model has been on the market, used prices are going to be even cheaper.

Similarly, car insurance prices are lower when compared to other vehicles on the market. Liability insurance for a Chrysler Town & Country is about $6 per month less than average, while full coverage is more than $20 less per month.

When it comes to usage, Chrysler Town & Country drivers are pretty close to the national average in annual miles driven, with 10,769 miles each year compared to 11,617 for all vehicles.

Chrysler Town & Country Car Insurance Costs by Model Year

We've walked through many of the things that can affect how much the average driver pays for insurance. If you're considering purchasing a new Town & Country, having a good idea of exactly what you'll pay is extremely valuable as you weigh your choices.

2016 Chrysler Town & Country Car Insurance

   
Liability Only Avg. Premium$75
Full Coverage Avg. Premium$149
Base MSRP$29,945
Cheapest Insurance CompanyMercury - $22/mo.
Available TrimsLIMITED, LIMITED PLATINUM, LX, S, TOURING, TOURING L

On average, drivers who own a 2016 Chrysler Town & Country can expect to pay $75 to $149 a month for liability only and full coverage car insurance, respectively.

If you're looking for the lowest possible 2016 Chrysler Town & Country insurance policy, Mercury offered the cheapest policy we found, with rates as cheap as just $22 monthly.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

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2015 Chrysler Town & Country Car Insurance

   
Liability Only Avg. Premium$77
Full Coverage Avg. Premium$132
Base MSRP$29,995
Cheapest Insurance CompanyShelter Mutual - $23/mo.
Available TrimsLIMITED, LIMITED PLATINUM, LX, S, TOURING, TOURING L

You can expect full coverage for a 2015 Town & Country to run around $132 a month, while liability only coverage will average about $77 per month.

With premiums sometimes as cheap as $23 monthly, Shelter Mutual offered the most affordable policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2014 Chrysler Town & Country Car Insurance

   
Liability Only Avg. Premium$67
Full Coverage Avg. Premium$135
Base MSRP$29,995
Cheapest Insurance CompanyAmerican Family - $25/mo.
Available TrimsLIMITED, LX, S, TOURING, TOURING L

It costs around $67 a month for liability or $135 for a full coverage policy for the 2014 Chrysler Town & Country.

Looking for the lowest policy? American Family offered liability only coverage for sometimes as little as $25 per month.

Want to find the most affordable rates? All you need to do is enter your ZIP code below and you'll be on your way to comparing a multitude of personalized quotes from the nation's top insurance carriers.

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2013 Chrysler Town & Country Car Insurance

   
Liability Only Avg. Premium$70
Full Coverage Avg. Premium$136
Base MSRP$30,620
Cheapest Insurance CompanyMile Auto - $20/mo.
Available TrimsLIMITED, S, TOURING, TOURING L

The average cost to insure a 2013 Town & Country with liability only coverage is $70 monthly, while full coverage runs about $136 a month.

We found Mile Auto offered the cheapest policy, with rates as cheap as $20 monthly.

These average prices are a great starting point if you're in the market for a 2013 Chrysler Town & Country, but there are a variety of different variables that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2012 Chrysler Town & Country Car Insurance

   
Liability Only Avg. Premium$85
Full Coverage Avg. Premium$141
Base MSRP$29,995
Cheapest Insurance CompanyClearcover - $18/mo.
Available TrimsLIMITED, LX, TOURING, TOURING L

2012 Chrysler Town & Country drivers can expect to pay an average of $85 per month for liability or $141 for full coverage.

Clearcover has rates as little as just $18 monthly for the 2012 Chrysler Town & Country.

If you're looking for a more exact figure on what you should pay for insurance for a 2012 Chrysler Town & Country, you can get free quotes in minutes by just entering your ZIP code below.

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2011 Chrysler Town & Country Car Insurance

   
Liability Only Avg. Premium$75
Full Coverage Avg. Premium$131
Base MSRP$26,935
Cheapest Insurance CompanyMetLife - $18/mo.
Available TrimsLIMITED, LX, TOURING, TOURING L

The average cost to insure a 2011 Town & Country with liability only coverage is $75 a month, while full coverage runs around $131 per month.

With prices as low as just $18 monthly, MetLife offered the most affordable policy we found for the 2011 Chrysler Town & Country.

Interested in what your auto insurance premium could look like? Get a variety of free personalized quotes by just entering your ZIP code below.

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2010 Chrysler Town & Country Car Insurance

   
Liability Only Avg. Premium$80
Full Coverage Avg. Premium$125
Base MSRP$25,175
Cheapest Insurance CompanyHugo - $16/mo.
Available TrimsLIMITED, LX, TOURING, TOURING PLUS

On average, drivers who own a 2010 Chrysler Town & Country can expect to pay $80 to $125 a month for liability only and full coverage insurance, respectively.

Hugo offered the lowest policy we found, with rates sometimes as low as $16 per month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2009 Chrysler Town & Country Car Insurance

   
Liability Only Avg. Premium$76
Full Coverage Avg. Premium$126
Base MSRP$26,340
Cheapest Insurance CompanyCommonwealth Casualty - $19/mo.
Available TrimsLIMITED, LX, TOURING

2009 Town & Country drivers can expect to pay an average of $76 a month for liability or $126 for full coverage.

With premiums sometimes as cheap as $19 monthly, Commonwealth Casualty offered the cheapest policy we found for the 2009 Chrysler Town & Country.

If you want to find the best prices for car insurance for a 2009 Chrysler Town & Country, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2008 Chrysler Town & Country Car Insurance

   
Liability Only Avg. Premium$74
Full Coverage Avg. Premium$124
Base MSRP$23,415
Cheapest Insurance CompanyClearcover - $17/mo.
Available TrimsLIMITED, LX, TOURING

It costs about $74 per month for liability or $124 for a full coverage policy for the 2008 Chrysler Town & Country.

We found Clearcover offered the most affordable policy, with rates as low as $17 a month.

What could your insurance price look like? Just enter your ZIP code below to get several free personalized quotes.

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2007 Chrysler Town & Country Car Insurance

   
Liability Only Avg. Premium$74
Full Coverage Avg. Premium$117
Base MSRP$21,695
Cheapest Insurance CompanyMetLife - $18/mo.
Available TrimsLIMITED, LX, TOURING, TOWN & COUNTRY

You can expect full coverage for a 2007 Town & Country to run around $117 monthly, while liability only coverage will average about $74 per month.

If you're looking for the most affordable 2007 Chrysler Town & Country insurance policy, MetLife offered the lowest policy we found, with rates as cheap as $18 monthly.

While these are good estimates of what the average driver might pay to insure a 2007 Chrysler Town & Country, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2006 Chrysler Town & Country Car Insurance

   
Liability Only Avg. Premium$72
Full Coverage Avg. Premium$126
Base MSRP$21,270
Cheapest Insurance CompanyMercury - $17/mo.
Available TrimsLIMITED, LX, TOURING, TOWN & COUNTRY

On average, drivers who own a 2006 Chrysler Town & Country can expect to pay $72 to $126 per month for liability only and full coverage auto insurance, respectively.

With premiums as little as just $17 a month, Mercury offered the cheapest policy we found.

Want to find the best rates? Just enter your ZIP code below to get lots of personalized quotes for free.

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2005 Chrysler Town & Country Car Insurance

   
Liability Only Avg. Premium$71
Full Coverage Avg. Premium$117
Base MSRP$20,925
Cheapest Insurance CompanyLiberty Mutual - $17/mo.
Available TrimsLIMITED, LX, TOURING, TOWN & COUNTRY

You can expect full coverage for a 2005 Town & Country to run around $117 per month, while liability only coverage will average about $71 a month.

Looking for the lowest policy? Liberty Mutual offered liability only coverage for sometimes as little as $17 monthly.

If you want to know exactly how much you can expect to pay for your Town & Country, get free quotes in minutes by just entering your ZIP code below.

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2004 Chrysler Town & Country Car Insurance

   
Liability Only Avg. Premium$78
Full Coverage Avg. Premium$118
Base MSRP$22,855
Cheapest Insurance CompanyClearcover - $19/mo.
Available TrimsEX, LIMITED, LX, TOURING, TOWN & COUNTRY

The average cost to insure a 2004 Chrysler Town & Country with liability only coverage is $78 a month, while full coverage runs around $118 per month.

Clearcover has prices as cheap as just $19 monthly for the 2004 Chrysler Town & Country.

Interested in exactly how much you'll pay? Enter your ZIP code below to get multiple free customized quotes.

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Chrysler Town & Country Insurance FAQs

Is a Chrysler Town & Country expensive to insure?

The cost of car insurance for the Chrysler Town & Country is about on par with the average truck. Liability insurance runs an average of $72 a month, while full coverage will cost you around $128.

How can I get the best price on car insurance for my Chrysler Town & Country?

The only way to be confident you're getting the most affordable price on insurance is to regularly shop around and compare quotes from an array of companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from lots of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Chrysler Town & Country affect my insurance premiums?

You may have heard that it costs more to insure red cars than silver or white ones, but that's actually not true. There are a variety of things auto insurance companies think about when they calculate your rates, but the color of your Chrysler Town & Country is not used to make that determination.

Do I need to have insurance before I buy a Chrysler Town & Country?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have an insurance policy in place. As part of the buying process, some dealerships might offer you a car insurance policy, but your best bet is letting your car insurance company know ahead of time.

What car insurance discounts can I get for my Chrysler Town & Country?

There are several different discounts out there when it comes to auto insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are more based on you than the car you drive, but if your Town & Country has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. The best way to find out is to talk with your insurance agent and ask about their discounts, since they differ quite a bit from carrier to carrier.

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