Van Car Insurance

FREE Auto Insurance Comparison

 Secured with SHA-256 Encryption

Compare quotes from the top auto insurance companies and save!

Things to remember...

  • 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
  • Umbrella policies may assist with saving money on van insurance

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.

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 insurance for a van should not come with a lot of effort.

Online services make it incredibly easy to ask for a quote. Vans, like cars, can be insured without too much effort, but owners need to know the intended use of the van factors into what type of policy is required.

Compare car insurance policies today to find the best rate for the coverage you need.

The Two Faces of Van Insurance


Van insurance can come in two forms:

  • commercial
  • non-commercial

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.

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. Simply buying a van for personal use 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 far fewer insurance requirements than would be the case with a van operating as a taxi-like shuttle.

Commercial Van Insurance Considerations

Those who are driving a van for commercial purposes do need to look beyond standard liability, comprehensive, and collision insurance. A van that is delivering cargo would likely need to cover 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. 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. Debris removal might be one such use for the van a provider won’t insure for the 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.

Interestingly, in some states, the minimum insurance coverage requirement might not be that costly for commercial vans.

Non-Commercial Van Insurance


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

Minivans are usually inexpensive to insure due to the reason behind purchasing one in the first place. 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. A minivan would 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, but the prices are going to vary from policy-to-policy.

Requesting one quote from one company because “all minivan policies are cheap” would be a huge mistake. Looking over various policies would be the far better plan, on that would lead to accessing a policy with a more reasonable premium price.

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 the reasonable rates down even lower.

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

Umbrella Policy Options

A van might be the second car in a home, 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. Insurance providers often provide an umbrella option for those in need of multiple coverage types. An umbrella policy would combine two different policies at a discounted rate.

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

A Unique Van Insurance Concept


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.

Procuring temporary 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 purchasing this type of insurance is not difficult either.

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

Compare car insurance rates today by entering your zip code below.

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption