Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 26, 2020

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Things to Remember

  • Vans are known for being safe, reliable family or work vehicles. 
  • The average van costs $142 per month hor $1,329 annually to insure. However, your rates will depend on your usage.
  • If you drive a van as your primary vehicle, then you’ll want to purchase a personal auto insurance policy. If you use your van for work, you’ll want to purchase a commercial auto insurance policy.

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 $1,329 per month or $1,329 annually. By comparison, the average basic sedan costs $142 per month or $1,700 per year.

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.

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.

Vans and Auto 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. 

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 a solid insurance policy 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 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
Vehicle TypeAverage Annual Auto Insurance RatesAverage Monthly Auto Insurance Rates
Minivan$1,329$111
SUV$1,500$125
Sedan$1,700$142
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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 record, and other personal factors that can affect how your rates are adjusted.

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 auto insurance policies. However, families will want to purchase a personal 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. 

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What are the different types of van insurance?

Van insurance typically comes in two forms, 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.

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 by state law to carry a minimum level of coverage. 

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

Minimum Legal Auto Insurance Requirements by State
StateMinimum BI & PD Liability LimitsRequired Insurance Policies
Alabama25/50/25BI + PD Liability
Alaska50/100/25BI + PD Liability
Arizona15/30/10BI + PD Liability
Arkansas25/50/25BI + PD Liability, PIP
California15/30/5BI + PD Liability
Colorado25/50/15BI + PD Liability
Connecticut25/50/20BI + PD Liability, UM, UIM
Delaware25/50/10BI + PD Liability, PIP
District of Columbia25/50/10BI + PD Liability, UM
Florida10/20/10BI + PD Liability, PIP
Georgia25/50/25BI + PD Liability
Hawaii20/40/10BI + PD Liability, PIP
Idaho25/50/15BI + PD Liability
Illinois25/50/20BI + PD Liability, UM, UIM
Indiana25/50/25BI + PD Liability
Iowa20/40/15BI + PD Liability
Kansas25/50/25BI + PD Liability, PIP
Kentucky25/50/25BI + PD Liability, PIP, UM, UIM
Louisiana15/30/25BI + PD Liability
Maine50/100/25BI + PD Liability, UM, UIM, Medpay
Maryland30/60/15BI + PD Liability, PIP, UM, UIM
Massachusetts20/40/5BI + PD Liability, PIP
Michigan20/40/10BI + PD Liability, PIP
Minnesota30/60/10BI + PD Liability, PIP, UM, UIM
Mississippi25/50/25BI + PD Liability
Missouri25/50/25BI + PD Liability, UM
Montana25/50/20BI + PD Liability
Nebraska25/50/25BI + PD Liability, UM, UIM
Nevada25/50/20BI + PD Liability
New Hampshire25/50/25Financial Responsibility only
New Jersey15/30/5BI + PD Liability, PIP, UM, UIM
New Mexico25/50/10BI + PD Liability
New York25/50/10BI + PD Liability, PIP, UM, UIM
North Carolina30/60/25BI + PD Liability, UM, UIM
North Dakota25/50/25BI + PD Liability, PIP, UM, UIM
Ohio25/50/25BI + PD Liability
Oklahoma25/50/25BI + PD Liability
Oregon25/50/20BI + PD Liability, PIP, UM, UIM
Pennsylvania15/30/5BI + PD Liability, PIP
Rhode Island25/50/25BI + PD Liability
South Carolina25/50/25BI + PD Liability, UM, UIM
South Dakota25/50/25BI + PD Liability, UM, UIM
Tennessee25/50/15BI + PD Liability
Texas30/60/25BI + PD Liability, PIP
Utah25/65/15BI + PD Liability, PIP
Vermont25/50/10BI & PD Liab, UM, UIM
Virginia25/50/20BI + PD Liability, UM, UIM
Washington25/50/10BI + PD Liability
West Virginia25/50/25BI + PD Liability, UM, UIM
Wisconsin25/50/10BI + PD Liability, UM, Medpay
Wyoming25/50/20BI + PD Liability
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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 insurance requirements than if you used your van as a taxi-like shuttle.

Personal Use Van Auto Insurance Coverage Considerations

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, your insurance rates 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 as 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 costs associated with van insurance. Installing an anti-theft device, for example, could help with bringing rates down even lower.

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, who rank insurance companies based on customer experience, and the Better Business Bureau, who accredit 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 prices are 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 a policy with more reasonable rates.

Commercial Van Auto Insurance Considerations

Finding rates for commercial insurance for vans is dependent on the 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 cover merchandise really is worth the extra cost. Such things need to be weighed when examining options for van insurance and performing basic 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 commercial policies 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. 

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

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 for drivers who use their van 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. 

What the following video for more information about umbrella policies. 

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 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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Van Auto Insurance: 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 drivers.
  • 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.

Frequently Asked Questions: Van Auto Insurance

Do you still have questions about van driver insurance and the best place for van insurance? Read these frequently asked questions to learn more.

#1 – What is the best van insurance for new drivers?

If you’re a new driver, the best personal coverage options for you will typically be USAA and GEICO based on the affordability of rates, regardless of what you drive.

#2 – What is the difference between van vs. auto insurance?

Available coverage types for both vans and cars are essentially the same when it comes to personal coverage, though as you saw earlier, van insurance can often be cheaper auto insurance. However, commercial coverages may be different for cars and vans, depending on the type of commercial use.

#3 – What are the best insurance companies for vans?

It depends on if you’re looking for a personal or commercial policy. For a personal policy, though it depends on where you live, USAA and State Farm are typically the most affordable.

In the case of commercial van insurance, the answer often varies based on the van size and commercial use. However, Progressive, Nationwide, Farmers, and Geico are all good options. 

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.