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 exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 31, 2020

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Van Car Insurance Summary
Van Car Insurance Things to KnowSource
Personal coverage for vans is often lower than for other types of vehicles because of factors like safe driving, the value of the vehicle, the age and experience of the driver(s), etc.Insurance Information Institute
Commercial coverage is important if you plan to use your van to generate income, because in that case, your personal policy may not cover youInsurance Information Institute
Companies like J.D. Power and the Better Business Bureau offer good information on insurance companies so you can make an informed decisionJ.D. Power and BBB
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Not every vehicle on the road is a standard car. Other types of vehicles are found on streets, highways, and interstates in abundance, including:

  • Trucks
  • SUVs
  • Motorcycles

Someone who may have only driven a car before might now be in the market for a van. Vans definitely are helpful for families and those who wish to transport things during vacations and other excursions. Others may opt to buy a van for business reasons.

Either way, you’ll need auto insurance for vans. So what is the best van insurance for personal use? How do you find cheap van insurance from the best companies? Read this article to find out more.

Use your ZIP code to start your van insurance price comparison today.

Vans and Auto Insurance

Regardless of the reason for the drive, taking a vehicle out on the road comes with many responsibilities. No one can predict whether or not a fender bender might occur or an at-fault accident ends up taking place.

With a solid insurance policy in place, the owner of the vehicle will be able to file a claim. Any vehicle with the right insurance policy may be able to recover money in case of a loss.

The responsibility of owning a van reveals itself when the time comes to address the topic of purchasing insurance. Finding the best insurance for vans should not come with a lot of effort.

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, but owners need to know that the intended use of the van factors into what type of policy is required.

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What are the different types of van insurance?

Van insurance typically comes in two forms:

  • Commercial
  • Non-commercial

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 vans that are used by businesses in relation to commerce or by indivuals who use their vans for anything that generates income (ex. deliveries, rideshare, etc.).

A van used to shuttle people to the airport would be an example of using the vehicle for business. Being paid to deliver cargo is another example. Buying a van for personal use only would be non-commercial in nature.

Acquiring the appropriate policy for the van based on usage is a must.

Additionally, those who are using a van for commercial purposes must be very specific. Using a van to deliver flowers might have fewer insurance requirements than would be the case with a van operating as a taxi-like shuttle.

What are the commercial van coverage considerations?

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.

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.

Acquiring additional insurance coverage designed to cover contents really is worth the extra cost, and such things do need to be weighed when examining options for van insurance and performing basic comparison shopping.

Van owners need to be aware that certain insurance providers might not provide coverage for every type of business.

There are some providers capable of covering the widest range of businesses possible, while others will not. For example, debris removal might be one such use for the van a provider won’t insure, for obvious reasons.

Minimum insurance requirements for commercial policies are likely to be higher than the case with non-commercial policies. Vans registered and operating in Los Angeles would surely need to pay more for minimum coverage than would be the case in other regions, and 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. Shop for quotes and speak to licensed insurance agents in your area to find out what amount of coverage you’ll be required to purchase.

What are the personal use van insurance coverage considerations?

The most common vans used for non-commercial, personal use purposes are standard minivans.

What is the cheapest van insurance for personal use? Minivans are usually inexpensive to insure because of their typical intended use, so finding cheap private van insurance shouldn’t be too difficult. These vehicles are dubbed “family vehicles” for a reason.

People with large families might find a smaller or even mid-sized car to be inadequate for driving the family around town, while a minivan could be a much better choice.

Adults driving children around town are not prone to speeding or otherwise driving recklessly. Hence, insurance rates end up being a bit less costly.

One bit of clarification needs to be mentioned here. Although minivan insurance may be less costly on average than car or SUV insurance (which we’ll look at in a bit more detail in a later section), the prices are going to vary from policy-to-policy.

When insuring a van for personal use, requesting one quote from one company because “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.

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. Shop around for policies and speak to licensed insurance agents to find the cheapest and best van insurance for personal use and ask about available discounts.

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 business based on their track record for resolving complaints.

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What are average van insurance rates?

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.

However, while personal rates also vary, there are fewer determining factors. You can take a look at this table to see average personal van insurance rates for minivans compared to average rates for sedans and SUVs as an example of what you could pay for coverage on your van.

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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As you can see the van insurance average cost is lower than average rates for sedans and SUVs, though it is important to keep in mind that this is a baseline and 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.

Are there any umbrella policy options for van insurance?

A van might be the second vehicle in a household, which means there is another car that is primarily used.

Obviously, having two cars would require insurance coverage for both vehicles.

Insuring both might not be anywhere near as costly as initially believed. So what is an umbrella policy for auto insurance? What this video to learn more.

Insurance providers often offer an umbrella option for those in need of multiple coverage types. An umbrella policy combines more than one policy at a discounted rate and provides additional coverage, beyond your existing policies to ensure you’re covered, regardless of what happens when you’re on the road.

This will save you money in the long run, to 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 insurance?

There is one other form of van insurance that needs to be mentioned.

Not everyone who drives a van owns the van. Vans are very popular rentals from moving companies. 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.

Purchasing temporary auto insurance to cover all aspects of liabilities while driving a rental van—any type of rental van—may be a good idea. 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.

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The Bottom Line for Insurance Coverage for Vans

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 and with the right level of financial protection. 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 find the cheapest van insurance guaranteed based on your needs and coverage requirements.

Frequently Asked Questions: Van Auto Insurance

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 affordability of rates, regardless of what you drive.

2. What is the difference between van vs. car 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 car 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. Ultimately, regardless of the coverage type you’re looking to purchase, your best bet is to shop around and compare quotes from multiple companies.

Compare van insurance policy rates today by entering your ZIP code below.