Cheapest Van Insurance (2025)
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.
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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.
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
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.
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.
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.
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.
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.
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:
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.
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