Cheap Auto Insurance for Vans in 2024

Vans have a reputation for being safe and reliable family or work vehicles. But how much will van auto insurance cost you? On average, vans cost around $142 per month or $1,329 annually. By comparison, the average basic sedan costs $142 per month or $1,700 per year. That means driving a fan could get you a lower price for your insurance premium.

Besides being affordable to insure, vans are helpful for families or for those who wish to transport larger items during vacations and other excursions. Others may opt to buy a van for business reasons, in which case they would need commercial vehicle insurance.

Read through our complete guide all about vans to learn what the best van insurance is for personal or commercial use, and how you can find cheap auto insurance from some of the best companies near you.

Can’t wait to start comparing van auto insurance quotes? Just enter your ZIP code into our FREE quote tool above and see how much your van will cost you to insure.

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How much does auto insurance coverage cost for a van?

Regardless of the reason, driving a van on public roads comes with many responsibilities. Nobody can predict whether or not a fender bender or an at-fault accident will occur.

According to the Insurance Information Institute, auto insurance is required in 49 states and helps prevent car accidents from financially burdening the average driver. With solid auto insurance coverage in place, you’ll be able to file a claim and, with the right insurance policy, you may be able to recover money in case of a loss.

How much will it cost you to insure a van? Your individual auto insurance policy rates are based on many different variables, including where you live, your age your driving record, and the make and model you drive.

To help you get a better idea of how much a van might cost you to insure, we compare the average annual and monthly rates for van insurance to basic sedans and SUVs in the table below. Check it out.

Average Annual and Monthly Auto Insurance Rates by Vehicle Type

Compared to sedans and SUVs, you can see that minivans are not too expensive to insure. However, it is important to keep in mind that this is only a baseline. Your specific rates will vary based on where you live, your driving history, and other personal factors that can affect how your rates are adjusted by your auto insurance company.

Van are both affordable and have a reputation for being safe, sturdy vehicles; this makes them perfect for families and for businesses. Businesses will need to look into commercial vehicle insurance policies. However, families will want to purchase a personal auto coverage policy.

Luckily, online services make it incredibly easy to ask for a quote from the best van insurance companies. Vans, like cars, can be insured without too much effort, as long as you know the intended use of the van.

In the next section, we’ll discuss the different policies you’ll need depending on if you drive your van for work or personal reasons.

What are the different types of van insurance?

Van insurance typically comes in two insurance options, commercial auto insurance, and non-commercial or personal auto insurance. But what is the difference between commercial van insurance vs. personal van insurance?

The differences between these two types of van insurance are based on the purpose associated with driving the vehicle.

Commercial van insurance covers those that are used by businesses in relation to commerce or by individuals who use their vans for anything that generates income. This includes making deliveries or working for a ridesharing service. If you use your vehicle for business, then you need commercial auto insurance

Other commercial van uses include shuttling people to the airport or being paid to deliver cargo.

On the other hand, buying a van for personal use only would be non-commercial in nature. This includes commuting to and from work.

Acquiring the appropriate policy for your van based on usage is a must. If you use a van for personal driving, you are required to carry a minimum level of coverage to meet the legal requirement of the state in which you use your auto insurance policy. 

Find out what the legal limits are in your state in the table below.

Minimum Legal Auto Insurance Requirements by State

If you use your van for commercial driving, you will require different liability coverage limits based on the needs of your business.

Therefore, those who are using a van for commercial purposes must be very specific. Using a van to deliver flowers, for example, might have fewer business auto insurance requirements than if you used your van as a taxi-like shuttle.

What does personal use van auto insurance cover?

The most common vans used for non-commercial, personal use purposes are standard minivans. But what is the cheapest van insurance for personal use?

Minivans are usually inexpensive to insure because these vehicles are dubbed as family vehicles. Insurers assume van drivers are more responsible if they have children in the car.

Adults driving children around town are less likely to drive recklessly. Therefore, the monthly premiums for your auto insurance policy end up being a little lower.

Similarly, vans tend to receive great safety and crash test ratings from agencies like the Insurance Institute for Highway Safety. The Honda Odyssey, a classic minivan, was named one of the 2020 top safety picks. Safer cars will always be less expensive to insure. 

Still, there are other ways to further reduce the average cost associated with van insurance. Installing an anti-theft device, for example, could help with bringing rates down even lower for most types of vehicles.

Another way to ensure you have the best van insurance for your needs is to check consumer satisfaction ratings for companies you’re considering.

You can do this by looking at data collected by companies like J.D. Power, which rank insurance companies based on customer experience, and the Better Business Bureau, which accredits and rank businesses based on their track record for resolving complaints.

Although minivan insurance may be less costly on average than a car or SUV insurance, the monthly premium is going to vary from policy to policy. When insuring a van for personal use, requesting one quote from one company because you believe all minivan policies are cheap would be a huge mistake. 

Comparing several policies is a better option; one that typically leads to accessing better auto insurance coverage with a lower monthly premium.

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What Should You Know About Commercial Auto Insurance Coverage for Vans?

Finding rates for commercial insurance for vans is dependent on size, specifications, and usage. The best way to find van insurance average costs for commercial coverage is to shop for quotes and speak to licensed insurance agents.

Those who are driving a van for commercial purposes do need to look beyond standard liability, comprehensive, and collision coverage when looking for insurance for cargo vans.

For example, a van that is delivering cargo would likely also need to have a policy that covers the costs of any loss or damage to that cargo.

Think about it practically. A florist who places $2,000 worth of merchandise inside a delivery van would take a huge loss if the contents were ruined in an accident.

For commercial drivers, acquiring additional insurance coverage designed to provide extra cover to merchandise really is worth the extra cost. Such things need to be weighed when examining options for van insurance and performing basic auto insurance quote comparison shopping.

Commercial van owners should also be aware that certain insurance companies might not offer coverage for every type of business.

The reality is, there are some providers capable of covering the widest range of businesses possible, while others cannot. For example, debris removal might be one such use for a van that a provider won’t insure, for obvious reasons.

Minimum insurance requirements for any business insurance policy are likely to be higher than non-commercial policies. Vans registered and operating in busy cities with higher population density, like Los Angeles, will need to pay more for minimum coverage than suburban areas. In contrast, fewer cars on the road typically lead to cheaper insurance.

As we already noted, minimums for commercial policies will likely vary based on the intended use of the vehicle.

Interestingly, in some states, the minimum coverage requirement might not be that costly for commercial van insurance. You should always shop around for quotes. Speak to a licensed insurance agent in your area to find out what amount of business insurance coverage you’ll be required to purchase.

Are there any umbrella policy options for van insurance?

Insurance providers often offer an umbrella option for those in need of multiple coverage types. This is especially applicable to drivers who use their vans for commercial driving purposes. But exactly what is an umbrella policy for auto insurance? 

For a very low cost, umbrella policies provide you with much higher liability limits and can protect you from broader expenses, including lawsuits.

Lucky for you, insuring a van this way might not be anywhere near as costly as you initially believed.

Investing in an umbrella policy for your van could help you save you money in the long run, and will ensure you’re protected in the event of an accident.

Those interested in saving money would definitely find value in umbrella options.

Can I purchase temporary van auto insurance?

There is one other form of van insurance that needs to be mentioned because not everyone who drives a van owns the van. Vans are very popular rentals from moving companies, storage facilities, or other vehicle rental businesses.

Someone who needs to move to a new home or apartment might find renting a van preferable to renting a truck since vans can be easier to drive.

Making a few trips is not a problem, but relying on the rental service’s insurance could be a bit of trouble. Consider purchasing temporary auto insurance to cover all aspects of your liabilities while driving a rental van. 

Searching for and obtaining this type of insurance is not difficult either; simply follow a similar process to your approach for purchasing more typical coverage, but indicate your need for temporary insurance.

Many companies offer temporary coverage for unique situations just like this.

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What Is The Bottom Line?

Buying van insurance takes a bit of effort, but not an enormous amount. As long as the proper amount of time and focus goes into seeking out a reliable policy, commercial and non-commercial coverage can be acquired easily with the right level of financial protection.

Remember, there are a few things to keep in mind:

• Van insurance comes in both commercial and non-commercial forms.
• Non-commercial van insurance is usually inexpensive due to the safe habits of the average driver.
• Commercial van insurance will be necessary any time the vehicle is used to generate income and rates will vary based on what you’re using the vehicle for.

You can shop around to find cheap van insurance. You can also ask about discounts you may qualify for to further lower your rates, as well as check out consumer satisfaction information for companies you’re considering.

Following these tips will help you find the cheapest van insurance based on your needs and coverage requirements.

Are you ready to buy van auto insurance? Find the cheapest auto insurance rates for your van by entering your five-digit ZIP code into our FREE quote tool below. Which van auto insurance company is for you? Find out now.

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