Cheapest Car Insurance for a Van (2024)

The cheapest car insurance company for a van depends on a variety of factors, including the van’s make and model, your location, and your driving record.

5+ years writing insurance and personal finance topics

Auto, home, health, and life insurance expertise

Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.

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Licensed auto and home insurance agent

4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Updated April 25, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

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Vans are one of the most popular types of vehicles. They’re perfect for families or people who need to haul cargo. The national average cost of van insurance is $103 per month for liability-only coverage and $205 per month for full coverage.

In general, vans are more affordable to insure than other vehicles, mainly because their safety features are more likely to keep passengers safe in the event of a crash. However, the rate you pay depends on various factors such as your driving record, location, and age. It’s important to compare quotes from multiple companies before buying a policy.

USAA offers the cheapest van insurance overall.

The cost of car insurance depends on many factors, including make and model.

Personal auto insurance doesn’t cover commercial vans or cargo vans.

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Cheapest car insurance for vans

The cost of van insurance varies based on the make and model, as well as other factors. To find the most affordable van insurance policy for your situation, it’s crucial to compare rates from several insurance companies.

To help you get started, here are some of the cheapest insurance companies for five of the best minivans of 2022, according to Kelley Blue Book (KBB).[1]

Toyota Sienna

The Toyota Sienna is a popular minivan equipped with a variety of safety features, like forward-collision warnings and automatic emergency braking. Insurify rate data shows that the cheapest insurer for the Sienna is USAA, with an average monthly rate of $81 for full coverage and $37 for minimum coverage.

Honda Odyssey

The Honda Odyssey has excellent safety ratings from organizations like the National Highway Traffic Safety Administration (NHTSA) and the Insurance Institute for Highway Safety (IIHS).[2] It also has the lowest average rates out of the five van models on this list.

USAA is the cheapest insurer for the Odyssey, with an average monthly rate of $78 for full coverage and $36 for liability-only coverage.

Chrysler Pacifica

The Chrysler Pacifica is consistently ranked as one of the top-selling minivans in the U.S.[3] It includes seating for up to eight passengers, and the latest model has unique features like TV streaming, Wi-Fi, and wireless headphone connectivity.

If you’re shopping for Pacifica insurance, the cheapest company is USAA. The average cost of Pacifica insurance with USAA is $84 per month for full coverage and $39 per month for minimum coverage.

Kia Carnival

The Kia Carnival is one of the more expensive minivans to insure compared to the other popular vans Insurify has data for. The cheapest car insurance company for the Carnival is USAA, with an average monthly premium of $93 for full coverage and $43 for minimum coverage.

Chrysler Voyager

The Chrysler Voyager has the lowest manufacturer’s suggested retail price (MSRP) out of the five vans on the list, with a starting price of $29,680. Still, the cost of insuring a Voyager is comparable to the other models on this list.[1] 

USAA is the cheapest insurance company for the Voyager, which has an average monthly rate of $81 for full coverage and $38 for minimum coverage.

How to get the cheapest van insurance

Minivan insurance premiums depend on a number of factors, including the type of van, personal information like your age and credit score, and your coverage limits.

If you’re looking for cheap van insurance, here are some key steps to follow:

Research insurance companies. Start by researching reputable insurers in your area. Review ratings from organizations like J.D. Power, the National Association of Insurance Commissioners (NAIC), and AM Best. You can also read customer reviews to see what current and past policyholders think about the company.

Consider your coverage needs. The type and level of coverage you need will influence the cost of your van insurance policy. Choose an insurer that offers the types of coverage you want, but avoid purchasing coverage you don’t need. You can always adjust your coverage limits or add/drop coverages if your needs change.

Ask about discounts. Most insurers offer discounts that can help you save money on your policy. Each company offers different discounts, but you can often get savings for smart students, claims-free drivers, taking an approved defensive driving course, bundling your car and home insurance policies, and insuring a vehicle with safety features.

Compare rates. Before you purchase van insurance, make sure to compare rates from multiple insurance companies. Comparing rates will make it easy to see which insurance company can offer you the most affordable rate for the type and amount of coverage you want.

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What van insurance covers

Every van insurance policy is different. Some coverages are required, while others are optional. Below are some common coverages included in van insurance policies:

Personal liability coverage is a legal requirement in many states. If you cause an accident, this policy covers your legal and financial responsibilities for third-party bodily injuries and property damages. It pays for the other driver’s vehicle repairs and medical expenses if they get hurt.

A full-coverage insurance policy includes collision insurance and comprehensive insurance, which cover physical damage to your vehicle. Collision insurance covers repairs after an accident, whereas comprehensive insurance covers damage from non-collision incidents, such as fire, flood, theft, and falling objects.

Medical payments insurance is an optional policy that pays for your medical expenses after a crash. In no-fault states, drivers are required to carry personal injury protection (PIP), which covers their medical expenses if they get injured in an accident, regardless of which driver was responsible.

Some van insurance policies include uninsured/underinsured motorist insurance. This policy pays for your losses if you get into an accident with an uninsured driver or a driver who doesn’t have enough coverage to compensate you for your losses in full.

Factors that affect your car insurance rates

Car insurance rates are personalized to each driver. A variety of personal factors and policy-related factors will affect your rate. 

Here are some of the biggest factors that can influence the cost of your auto insurance policy:

Location: Your state, city, and where you park your vehicle go into determining the cost of your car insurance premium. For example, van drivers in urban areas with a high population density or high vehicle theft rate typically pay more expensive rates than people in rural areas.

Age: In general, young drivers pay the highest rates for car insurance. Teen drivers and young adults lack experience on the road and are at a higher risk for accidents than older drivers.

Credit score: In many states, your credit score is included in a credit-based insurance score, which insurers use to determine your car insurance premium. Drivers with good credit usually pay lower rates than drivers with bad credit. However, some states don’t allow insurance companies to use credit-based insurance scores.

Driving record: Your driving record affects your car insurance rate significantly. If you have a history of accidents, speeding tickets, or other violations, you can expect to pay a higher rate than someone with a clean driving record.

Van insurance FAQs

Before you get van insurance, it can be helpful to research average costs. Here’s some additional information about van insurance that might help you make your decision.

Which company has the cheapest van insurance?

Based on Insurify average rate data, USAA is the cheapest insurer for vans. USAA had the lowest average rates for the five most popular vans in the list. However, USAA only sells car insurance to eligible military personnel and their immediate family members. If you’re not in the military, you might consider State Farm or GEICO, which also offer cheap rates.

How much does van insurance cost?

The average van insurance premium is $103 per month for minimum coverage and $205 per month for full coverage. However, the cost of van insurance is different for every driver. Factors like your age, credit score, and driving record can affect your rate. Comparing van insurance quotes from multiple insurers can help you find the cheapest van insurance for your situation.

Why is insurance on a van so high?

The cost of van insurance might be expensive for some drivers but not for others. Certain van makes and models are pricier to insure than others based on safety features, safety ratings, repair costs, and other factors.

Are cargo vans expensive to insure?

The cost of cargo van insurance could be more expensive than minivan insurance. However, it depends on many criteria, like the van’s make and model, mileage, and use. For instance, if you’re purchasing a cargo van for your business, you’d need commercial van insurance. A personal van insurance policy won’t cover a commercial van that’s used for business purposes. 

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits: Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident Property damage limits between $10,000 and $50,000 No additional coverage Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to: Comprehensive coverage with a $1,000 deductible Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com. 

Licensed auto and home insurance agent

4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Read Editorial Guidelines

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