Cheap Auto Insurance for Vans in 2025 (Find the Top 10 Companies Here!)

When you need cheap auto insurance for vans, Geico, State Farm, and Travelers have the lowest rates thanks to robust UBI programs and discounts.

Our top pick for the cheapest van insurance possible is Geico. Geico has excellent coverage options for all types of vans, from RVs to business-use cargo vans.

Our Top 10 Company Picks: Cheap Auto Insurance for Vans

Whether you need the best business auto insurance or coverage for personal vehicles, you can explore your options below. Then, enter your ZIP code into our free comparison tool to find the best-priced van insurance for you.

#1 – Geico: Best for Cheap Rates

Pros

• Affordable Rates: Geico’s $43 average monthly premium makes it a budget-friendly option for van owners. See how much you might pay in our Geico auto insurance review.
• Multiple Discounts: Geico provides 16 discount opportunities, including bundling, safe driver, and multi-vehicle discounts, allowing van owners to stack savings.
• User-Friendly Digital Tools: The Geico app and website make it easy to get quotes, file claims, and manage policies online, perfect for tech-savvy customers.

Cons

• Inconsistent Customer Service: While rates are low, some van drivers report dissatisfaction with Geico’s customer support, especially when handling claims.
• Limited Local Agents: Geico’s focus on digital services means fewer in-person agents, which might not suit those preferring face-to-face interactions.

#2 – State Farm: Best for Customer Service

Pros

• Outstanding Customer Support: State Farm ranks high for satisfaction, offering reliable claims help — ideal for van owners wanting personalized service.
• Strong Financial Stability: State Farm’s A++ rating from A.M. Best ensures its ability to pay claims, giving drivers peace of mind. See more ratings in our State Farm auto insurance review.
• Customizable Coverage: Van owners can tailor their policies with options like rental car reimbursement and rideshare insurance.

Cons

• Higher Rates for Teens: With an average rate of $47 per month, State Farm is cost-effective for most van drivers, though younger drivers may face steeper premiums.
• Limited Online Options: The mobile app and website lack advanced tools, often requiring customers to speak with an agent for policy changes.

#3 – Travelers: Best for Discount Options

Pros

• Diverse Discounts: With 15 available discounts, Travelers helps van owners cut costs through bundling, safe driver programs, and new car discounts. See your savings opportunities in our Travelers auto insurance review.
• IntelliDrive Program: Enroll in IntelliDrive, a Travelers usage-based program that rewards safe driving habits and saves up to 30%.
• Family-Friendly Coverage: Travelers provide comprehensive options like gap insurance, rental car reimbursement, and roadside assistance, which is ideal for family vans.

Cons

• Mixed Customer Reviews: While rates average $53 monthly, some policyholders have reported issues with claim resolutions.
• Higher Premiums for Poor Credit: Van drivers with lower credit scores may experience above-average rates.

#4 – Progressive: Best for Digital Tools

Pros

• Strong Digital Tools: Progressive’s app offers policy management, quotes, and claims tracking — a great option for tech-forward van owners.
• Snapshot Program: Save up to 30% by enrolling in Snapshot, which tracks driving habits to adjust premiums.
• Budget Flexibility: The “Name Your Price” tool allows drivers to tailor coverage options to fit their budget. Explore Progressive’s RV insurance options in our Progressive auto insurance review.

Cons

• Rate Increases: Snapshots may raise rates for unsafe driving behavior, unlike some competitor programs.
• Loyalty Concerns: Despite digital conveniences, Progressive struggles with customer retention, possibly due to fluctuating rates.

#5 – American Family: Best for Loyalty Rewards

Pros

• Loyalty Discounts: American Family rewards long-term customers with loyalty discounts, lowering their $62 average monthly rates over time.
• KnowYourDrive: Enroll in their UBI program and save up to 20% by demonstrating safe driving habits.
• Exclusive Deals for Costco Members: Costco members benefit from extra discounts, making it a solid pick for those already part of the warehouse club.

Cons

• Limited Availability: Only available in 19 states, American Family might not be an option for all van owners. See if American Family is available in your state in our American Family auto insurance review.
• Average Claims Satisfaction: While generally well-regarded, their claims process has received mixed reviews.

#6 – Nationwide: Best for Deductible Savings

Pros

• Vanishing Deductible: Lower your deductible by $100 for each year of safe driving, helping van drivers save over time.
• SmartRide Program: Save up to 40% by using their UBI program, SmartRide, which rewards safe driving. See all your options in our Nationwide auto insurance review.
• Comprehensive Coverage Options: Nationwide offers commercial van coverage for business owners, making it a flexible choice.

Cons

• Limited Availability: Despite its name, Nationwide only operates in 47 states.
• Customer Service Gaps: Some customers report dissatisfaction with claims handling and support.

#7 – AAA: Best for Roadside Assistance

Pros

• Robust Roadside Assistance: AAA offers three tiers of roadside assistance, ensuring van drivers get the help they need in case of breakdowns. Find out which plan fits your needs in our AAA auto insurance review.
• Member Perks: Membership includes discounts on hotels, rental cars, and more, adding value to their $65 monthly rates.
• DUI Discounts: AAA provides competitive rates for drivers with past DUI offenses, offering a second chance at affordable coverage.

Cons

• Regional Differences: Coverage options and rates vary by region, so experiences may differ based on location.
• Membership Required: To access their insurance, you must be an AAA member, increasing the total cost.

#8 – Farmers: Best for First-Responder Discounts

Pros

• Generous Discounts: Farmers offers 23 discounts, including a special first-responder discount for emergency personnel.
• Local Agents: Farmers has a wide network of agents Who provide in-person support tailored to van drivers’ needs.
• Comprehensive Add-ons: Choose from accident forgiveness, roadside assistance, and more to customize your policy. See what you can add to your policy in our Farmers auto insurance review.

Cons

• Higher Rates: Farmers’ $76 average monthly rate is pricier compared to competitors.
• Weak Digital Tools: Their online platform lags behind rivals, making it harder to manage policies digitally.

#9 – Allstate: Best for Safe-Driving Discounts

Pros

• Drivewise and Milewise Programs: Allstate rewards safe driving and low mileage, helping van owners reduce their $87 monthly premiums.
• Strong Financial Stability: An A+ rating from A.M. Best shows Allstate’s reliability in handling claims.
• Full Coverage Options: Allstate offers excellent personal and cargo van insurance coverage options, like accident forgiveness and new car replacement coverage.

Cons

• Expensive Premiums: Allstate is often more expensive than competitors, making it less ideal for budget-conscious drivers.
• Customer Service Concerns: Despite robust coverage options, customer service reviews are mixed.

#10 – Liberty Mutual: Best for Policy Options

Pros

• Customizable Policies: Liberty Mutual offers add-ons like original parts replacement and lifetime repair guarantees.
• RightTrack Program: Earn discounts by tracking your driving habits through their UBI program.
• Solid Claims Handling: Policyholders generally praise Liberty Mutual’s claims process.

Cons

• Higher Premiums: With an average rate of $96, Liberty Mutual is less affordable than most competitors.
• Mixed Reviews: While some love the service, others find it lacking in consistency. Read our Liberty Mutual auto insurance review to learn more.

Van Car Insurance Rates

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.

There are car insurance requirements in 49 states, which help 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 from our top insurance companies in the table below.

Auto Insurance for Vans: Monthly Rates by Coverage Level & Provider

Compared to sedans and SUVs, 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 auto insurance company adjusts them.

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.

Commercial vs. Personal Auto Insurance for Vans

Van insurance typically comes in two insurance options — commercial auto insurance and 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.

The best commercial auto insurance companies offer van insurance that covers vans 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 requirements of the state in which you use your auto insurance policy. 

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.

Despite their differences, you’ll get insurance quotes for commercial insurance in about the same way you would for a personal policy. For example, you’ll need to click on “Business” to get a commercial quote, as you can see below.

After that, you’ll fill out the request form the same way you would for a personal policy. You’ll need information about your business needs, but the form only takes a bit longer to fill our for commercial insurance.

Personal Use Van Auto Insurance

The most common vans used for non-commercial, personal use purposes are standard minivans. However, there are plenty of other options, including RV and cargo van insurance. With so many types of auto insurance on the market, it can be difficult to figure out the best minivan coverage at the right price.

The crisp mountain air, the endless green trees, the bedazzled selfie stick. Sometimes a hidden gem gets unhidden quickly. pic.twitter.com/b4d9o7nkyH

— Progressive (@progressive) April 5, 2024

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, so their monthly premiums for their 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.

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

Commercial Auto Insurance Coverage for Vans

Learning how to evaluate auto insurance rates for commercial purposes may sound difficult, but it’s as easy as finding coverage for personal vehicles. 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 for van 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.

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 auto insurance 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.

Temporary Auto Insurance for Vans

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.

How to Save on Van Auto Insurance

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.

However, there are a few steps you can take to ensure you get cheap van insurance rates. These include:

• Lowering the amount of coverage in your policy
• Raising your deductible
• Keeping your driving record clean
• Comparing quotes
• Finding discounts

Most companies offer a variety of car insurance discounts to help you save. Check the table below to see which discounts you might qualify for.

Auto Insurance Discounts From the Top Providers for Vans

Make sure to shop around to find cheap van insurance. Following these tips will help you find the cheapest van insurance based on your needs and coverage requirements.

Get Cheap Auto Insurance for Vans Today

Whether you need the cheapest cargo van insurance or coverage for a family minivan, finding affordable rates is usually easy. Getting cheap van insurance requires looking for discounts, picking the right type of coverage, and learning how to get multiple auto insurance quotes.

Are you ready to buy van auto insurance? Find the cheapest auto insurance rates for your van by entering your ZIP code into our free quote tool below.