Cheapest Van Insurance (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.

Sarah Archambault
Sarah Archambault
  • Experienced personal finance writer

  • Background working with banks and insurance companies

Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.

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Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Updated November 4, 2024

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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. But 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.

Quick Facts
  • USAA offers the cheapest van insurance overall, but it’s only available for military members and their families. State Farm is more widely available and offers rates only slightly more expensive than USAA’s.

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

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

Cheapest van insurance

The cost of van insurance varies based on the make and model, as well as other factors, like if you’re planning to use the van for personal use or commercial purposes and the level of insurance needed. 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 four of the best minivans of 2024 and 2025, according to Kelley Blue Book (KBB).[1]

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2024 Toyota Sienna

The Toyota Sienna is a popular minivan equipped with a variety of safety features, like forward-collision warning and automatic emergency braking. Insurify rate data shows that the cheapest insurer for the Sienna is USAA, with an average monthly rate of $93 for full coverage and $43 for minimum coverage.

Insurance Company
Liability Only
Full Coverage
USAA$43$93
State Farm$48$102
GEICO$49$106
Allstate$59$127
Nationwide$62$117
American Family$71$161
Liberty Mutual$82$150
Progressive$85$150
Travelers$85$186
Farmers$99$216
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

2025 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 four van models on this list.

USAA is the cheapest insurer for the Odyssey, with an average monthly rate of $90 for full coverage and $41 for liability-only coverage.

Insurance Company
Liability Only
Full Coverage
USAA$41$90
State Farm$46$99
GEICO$48$102
Allstate$56$123
Nationwide$60$114
American Family$69$156
Liberty Mutual$78$156
Progressive$82$145
Travelers$82$181
Farmers$95$209
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

2024 Chrysler Pacifica

The Chrysler Pacifica is consistently ranked as one of the top-selling minivans in the U.S. 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 $97 per month for full coverage and $45 per month for minimum coverage.

Insurance Company
Liability Only
Full Coverage
USAA$45$97
State Farm$49$107
GEICO$52$110
Allstate$61$132
Nationwide$64$123
American Family$75$168
Liberty Mutual$85$169
Progressive$89$156
Travelers$89$194
Farmers$104$227
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

2025 Kia Carnival

The Kia Carnival comes with many standard features and a new hybrid option. But it’s 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 $112 for full coverage and $52 for minimum coverage.

Insurance Company
Liability Only
Full Coverage
USAA$52$112
State Farm$58$122
GEICO$60$127
Allstate$70$152
Nationwide$74$142
American Family$86$193
Liberty Mutual$97$194
Progressive$102$180
Travelers$102$223
Farmers$119$260
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 history, and your coverage limits.

If you’re looking for cheap van insurance, here are some things you can do:[3]

  • 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 reviews on websites like Trustpilot to see what current and past customers think about the company and how it processes claims.

  • 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 to make sure you’re getting the best deal. 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.

Cheapest recent rates

Drivers have found policies from Kemper Standard, HiRoad, Progressive, and more, for rates as low as $35/mo. through Insurify

*Quotes generated for Insurify users within the last 10 days. Last updated on November 4, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 4, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on November 4, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 4, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

What van insurance covers

Every van insurance policy is different. Some coverages are required, while others are optional. Once you have insurance, it’s important to review your policy documents carefully to make sure you understand your coverage.

Below are some common coverages included in van insurance policies:

  • illustration card https://a.storyblok.com/f/162273/150x150/88cafa9580/law-and-justice-96x96-yellow_027-dossier.svg

    Personal liability coverage

    Personal liability insurance is a legal requirement in every state except New Hampshire. 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.

  • illustration card https://a.storyblok.com/f/162273/150x150/d7333ddf2e/car-and-driving-96x96-orange_046-car-accident.svg

    Full coverage

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    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 history: In many states, insurers look at your credit history to generate a credit-based insurance score, which predicts how likely you are to file a claim. Drivers with good credit usually pay lower rates than drivers with bad credit. But some states don’t allow insurance companies to use credit-based insurance scores when setting rates.

  • Driving record: Your driving record affects your car insurance rate significantly. If you have a history of accidents, speeding tickets, or other violations, you’ll 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 four most popular vans on the list. But 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 and 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. But the cost of van insurance is different for every driver. Factors like your age, credit history, 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?

    Insuring a cargo van could be more expensive than insuring a private van since commercial vehicles often require business van insurance. But how much you pay depends on many factors, like the van’s make, model, mileage, and use.

    For example, if you’re purchasing a cargo van for your business and not social use, you’d need commercial van insurance. A personal van insurance policy won’t cover a commercial van that you use 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

  1. Kelley Blue Book. "Best Minivans of 2024 and 2025."
  2. Insurance Institute for Highway Safety. "2024 Honda Odyssey."
  3. Insurance Information Institute. "How to save money on car insurance."
Sarah Archambault
Sarah Archambault

Sarah Archambault enjoys helping people figure out how to manage their finances and credit. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans. Her work has been featured on Credit Karma, Experian, LendingClub, Sound Dollar and USA Today Blueprint. She also writes for national insurers, banks and financial institutions like Aetna, MassMutual, Stripe, and UnitedHealthcare. 

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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