Cheap Auto Insurance for Vans in 2024 (Find the Top 10 Companies Here!)

When you need cheap auto insurance for vans, Geico, AAA, and State Farm 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.

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#1 – Geico: Top Pick Overall

Pros

• Competitive Rates: Whether you drive a minivan or an 18-person passenger van, Geico typically has affordable rates. See how much you might pay in our Geico auto insurance review.
• Multiple Discounts: With 16 discount options, van drivers have plenty of opportunities to save at Geico.
• Easy Online Quotes and Claims: Geico offers robust digital tools to help van owners manage their insurance online.

Cons

• Mixed Customer Reviews: Geico may have the best van insurance quotes, but customers aren’t always happy with their service.
• Limited Local Agents: You might have to use the Geico support line rather than speak with a local agent since Geico has a smaller network of representatives.

#2 – AAA: Best for Roadside Assistance

Pros

• Roadside Assistance Plans: AAA offers three roadside assistance plans with varying levels of coverage. Find out which plan would best fit your needs in our AAA auto insurance review.
• Member Perks: Membership from AAA comes with a variety of perks, including savings on things like hotels and flower delivery.
• Low Rates: AAA offers affordable van and car insurance rates for most drivers, especially if you have a DUI on your record.

Cons

• Regional Variations: AAA runs its coverage regionally, meaning your coverage options might vary depending on where you live.
• Membership Fees: You need to be a member to purchase AAA car insurance, which adds to the overall price of your insurance.

#3 – State Farm: Best Customer Service

Pros

• Excellent Customer Service: State Farm consistently delivers an excellent customer service experience, particularly with its claims service.
• Strong Financial Stability: With an A.M. Best rating of A++ means you won’t have to worry about your claims being unpaid. See more ratings in our State Farm auto insurance review.
• Customizable Coverage Options: State Farm offers a variety of ways to customize your coverage, including roadside assistance and rideshare insurance.

Cons

• Rates can be high. Although State Farm is usually a good option for cheap van insurance, teen drivers will probably find cheaper rates elsewhere.
• Limited Digital Tools: State Farm has fewer digital tools than some of its competitors. For example, you’ll need to speak with an agent to purchase a policy.

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#4 – Travelers: Best for Family Policies

Pros

• Full Family Coverage: When you’re doing a van insurance comparison, Travelers is a great option for families. It offers coverage options like gap, rental car reimbursement, and roadside assistance.
• IntelliDrive: Lower the average cost of van insurance by up to 30% with Travelers’ usage-based insurance (UBI) program, IntelliDrive.
• Ample Savings: Travelers offers 15 discounts to help drivers save on their personal van insurance. See your savings opportunities in our Travelers auto insurance review.

Cons

• Mixed Reviews: Travelers offers some of the cheapest van insurance, but not every customer is happy with its service. Of particular concern to many customers is Travelers’ claims handling.
• Higher Premiums: While rates are usually low, drivers with bad credit scores usually see higher Travelers rates.

#5 – Progressive: Best for Camper Vans

Pros

• RV Coverage: Progressive offers robust RV insurance options, including coverage for camper vans. Explore Progressive’s RV insurance options in our Progressive auto insurance review.
• Snapshot: Save up to 30% on your insurance by enrolling in Progressive’s Snapshot and consistently practicing safe driving habits.
• Name Your Price Tool: Progressive sets itself up as one of the cheapest van insurance companies by offering drivers an easy way to stick to their budget. The Name Your Price tool generates coverage options that match your budget.

Cons

• Increased Rates With Snapshot: Snapshot is one of the few UBI programs that can increase your rates if you don’t drive safely enough.
• Low Customer Loyalty: Despite having cheap car and van insurance, Progressive struggles to keep its customers.

#6 – Nationwide: Best for Commercial Van Insurance

Pros

• Commercial Auto Insurance: If you professionally drive a van, commercial insurance will keep you safe. Nationwide offers affordable cargo van commercial insurance costs that make it easy to protect your business.
• SmartRide: Nationwide’s UBI program SmartRide has one of the best discounts at 40%.
• Diverse Coverage Options: Get the best cargo van insurance by adding coverage to your Nationwide policy. See all your options in our Nationwide auto insurance review.

Cons

• Below Average Customer Service: With ratings on the lower side, Nationwide is probably not the best choice for drivers who want excellent customer service.
• Not Available Everywhere: Despite its name, Travelers is only available in 47 states.

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#7 – American Family: Best for Costco Members

Pros

• Costco Policies: Costco members can find low average van insurance per month rates through American Family, which writes policies for the warehouse.
• KnowYourDrive: KnowYourDrive is American Family’s UBI program, which offers savings of up to 20% to safe drivers.
• Excellent Discounts: Find affordable minivan insurance rates by taking advantage of American Family’s discounts, especially if you’re a safe driver.

Cons

• Limited State Availability: American Family is only available in 19 states. See if American Family is available in your state in our American Family auto insurance review.
• Average Claims Satisfaction: American Family’s customer satisfaction ratings are high except for its claims handling process.

#8 – Farmers: Best Discount Selection

Pros

• Generous Discounts: Farmers has 23 discounts to help drivers save. Whether you want to make a personal or commercial van insurance comparison, looking at Farmers’ discount options can help you save.
• Long List of Coverage Options: Aside from affordable van insurance costs, Farmers also offers a long list of add-ons. See what you can add to your policy in our Farmers auto insurance review.
• Local Agents: Farmers has a large network of agents that can help you find low minivan insurance costs and start claims.

Cons

• Higher Rates: Farmers has higher average rates than most other companies, especially for drivers with things like speeding tickets and at-fault accidents.
• Poorly Rates Digital Tools: Farmers has great service and coverage options, but it doesn’t offer strong digital policy management tools.

#9 – Allstate: Best for Full Coverage Policies

Pros

• Full Coverage Options: Allstate offers excellent coverage options for personal and cargo van insurance, like accident forgiveness and new car replacement coverage.
• Strong Financial Ratings: Allstate has a rating of A+ from A.M. Best, indicating a strong financial presence in the car insurance market.
• UBI Programs: There are two Allstate UBI programs – Drivewise and Milewise. See which program would be best for you in our Allstate auto insurance review.

Cons

• Higher Ratings: No matter what type of van you drive, Allstate is usually one of the priciest insurance options.
• Low Customer Service Ratings: Allstate doesn’t have the best overall customer service ratings despite offering excellent coverage options.

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#10 – Liberty Mutual: Best for Diverse Add-on Options

Pros

• Diverse Add-on Options: Customize your van insurance with Liberty Mutual’s add-on options, like original parts replacement coverage and the lifetime repair guarantee.
• Ways to Save: Liberty Mutual offers 17 ways to save, including its UBI program RightTrack.
• Good Claims Handling Reputation: Policyholders report high levels of satisfaction with Liberty Mutual’s claims handling process.

Cons

• Average Rates: Liberty Mutual doesn’t have the cheapest van insurance, but it’s also not the most expensive option.
• Mixed Customer Reviews: Although some Liberty Mutual drivers say they love the service, others are less than impressed. Read our Liberty Mutual auto insurance review to learn more.

Van 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.

There are car insurance requirements 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 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.

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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 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.

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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.

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.

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