Exactly How Much Van Insurance Costs in the US

These are the average van insurance prices in the US for personal and commercial use:

Average personal auto insurance cost for vans – $1,329 per year.
Average commercial auto insurance cost for cargo vans – $4,750 per year.

But these prices are only estimates as your van insurance policy cost is based on many factors such as your driving record, age, and where you live.

The type of auto insurance policy (personal or commercial) that you’ll need depends on how the van is used.

For example, if you use your van for daily commute, a personal auto insurance policy will be your best bet, but if you use it for business/work purposes, then you’ll need a commercial auto insurance policy.

To give you a better idea of just how much your van insurance policy might cost, in this article I’ll cover the following topics:

Sample quotes for a personal van insurance policy.
Sample quotes for a commercial van insurance policy.
Average personal van insurance cost in the US.
Average commercial van insurance cost in the US.
Sample quotes for a personal van insurance policy.
Sample quotes for a commercial van insurance policy.
The primary factors that influence the price of van insurance.

Average Van Insurance Cost in the US

The average van insurance policy in the US costs around $142 per month or roughly $1,329 per year.

These prices are quite similar to the insurance premiums for the typical sedan, which has the same average monthly price, but the annual rate is usually higher at $1,700.

However, don’t forget that these are only rough estimates as the specific quote depends on the particular insurance company and what you use your van for.

For example, if you use the van for your daily commute to work or school, you’ll need a personal auto insurance policy.

Average Commercial Van Insurance Cost in the US

The average commercial cargo/delivery van insurance policy costs approximately between $3,300-$6,200 per year.

However, your exact insurance premium is affected by factors such as the state you live in, as some states require higher insurance coverage than others.

To give you a clue, here’s what the minimum and maximum annual commercial auto insurance policy costs are in a few specific states:

California: $574-$1,804.
Florida: $2,565-$3,370.
Maine: $486-$1268.
Michigan: $5282-$8723.
Minnesota: $983-$2271.
Montana: $641-$2525.
Oregon: $1136-$2205.
Texas: $890-$2594.

Note that you might encounter large price variations even within the same state.

Sample Quotes of Van Insurance For Personal Use

Below I’ve gathered a few sample van insurance quotes for personal (non-commercial) use from some of the leading auto insurance companies in the US.

However, note that the monthly coverage range and the corresponding prices are estimates only.

1. State Farm Van Insurance

State Farm is the largest auto insurance company in the US that offers van insurance premiums based on 6-month packages.

Note that the Drive Safe & Save mobile app enrollment option wasn’t used when generating this sample van insurance quote.

6-Month Package Quote

There are 3 variations of State Farm’s 6-month premium pricing that include the following coverage packages:

Package Option #1 – Basic Coverage

Monthly plan price breakdown:

Monthly cost:
$78.06 per month ($69.48 of this amount is for the liability cover)

Policy coverage:

Bodily injury – $25,000/$50,000
Property damage – $15,000
Comprehensive coverage type – Not included
Collision deductible – Not included
Uninsured motor vehicle (property damage deductible) – Not included
Medical payments – Not included
Emergency road coverage – Not included
Additional fees – $0.08 (Colorado Auto Theft Prevention Authority fee)

Available extra:
For an extra $11.68 per month they can provide uninsured motor vehicle (bodily injury cover) – $25,000/$50,000

Package Option #1 – Basic Coverage

6-month plan price breakdown:

Overall cost: $468.39 total premium ($416.91 of this amount is for the liability cover)

Policy coverage:

Bodily injury – $25,000/$50,000
Property damage – $15,000
Comprehensive coverage type – Not included
Collision deductible – Not included
Uninsured motor vehicle (bodily injury) – $25,000/$50,000 (this costs $70.08 as part of the $468.39 overall cost mentioned above)

Uninsured motor vehicle (property damage deductible) – Not included

Medical payments – Not included

Emergency road coverage – Not included

Additional fees – $0.50 (Colorado Auto Theft Prevention Authority fee).

Package Option #2 – Standard Coverage

Monthly plan price breakdown:

Monthly cost: $266.61 per month ($76.80 of this amount is for the liability cover).

Policy coverage:

Bodily injury – $50,000/$100,000

Property damage – $50,000

Comprehensive coverage type – Comprehensive (this costs $64.14 as part of the $266.61 monthly cost mentioned above).

Collision deductible – $500.

Uninsured motor vehicle (bodily injury) – $50,000/$100,000 (this costs $18.69 as part of the $266.61 monthly cost mentioned above)

Uninsured motor vehicle (property damage deductible) – Not included.

Medical payments – $5,000 (this costs $12.40 as part of the $266.61 monthly cost mentioned above).

Emergency road coverage – Included (this costs $0.43 as part of the $266.61 monthly cost mentioned above).

Additional fees – $0.08 (Colorado Auto Theft Prevention Authority fee).

Package Option #2 – Standard Coverage

6-month plan price breakdown:

Overall cost: $1,599.71 total premium ($460.79 of this amount is for the liability cover).

Policy coverage:

Bodily injury – $50,000/$100,000Property damage – $50,000

Comprehensive coverage type – Comprehensive (this costs $384.81 as part of the $1,599.71 overall cost mentioned above)

Comprehensive deductible – $500 coverage

Collision deductible – $500 (this costs $564.48 as part of the $1,599.71 overall cost mentioned above)

Uninsured motor vehicle (bodily injury) – $50,000/$100,000 (this costs $112.13 as part of the $1,599.71 overall cost mentioned above)

Uninsured motor vehicle (property damage deductible) – Not included

Medical payments – $5,000 (this costs $74.39 as part of the $1,599.71 overall cost mentioned above).

Emergency road coverage – Included (this costs $2.61 as part of the $1,599.71 overall cost mentioned above).

Additional fees – $0.50 (Colorado Auto Theft Prevention Authority fee).

Package Option #3 – Premium Coverage

Monthly plan price breakdown:

Monthly cost: $292.53 per month ($84.01 of this amount is for the liability cover).

Policy coverage:

Bodily injury – $100,000/$300,000

Property damage – $100,000

Comprehensive coverage type – Comprehensive (this costs $64.14 as part of the $292.53 monthly cost mentioned above)

Comprehensive deductible – $500 coverage

Collision deductible – $500 (this costs $94.08 as part of the $292.53 monthly cost mentioned above)

Uninsured motor vehicle (bodily injury) – $100,000/$300,000 (this costs $31.65 as part of the $292.53 monthly cost mentioned above)

Uninsured motor vehicle (property damage deductible) – Not included

Medical payments – $5,000 (this costs $12.40 as part of the $292.53 monthly cost mentioned above)

Emergency road coverage – Included (this costs $0.43 as part of the $292.53 monthly cost mentioned above)

Car rental and travel expenses – $25 per day or up to a maximum of $600 (this costs $5.74 as part of the $292.53 monthly cost mentioned above)

Additional fees – $0.08 (Colorado Auto Theft Prevention Authority fee).

Package Option #3 – Premium Coverage

6-month plan price breakdown:

Overall cost:

$1,755.21 total premium ($504.08 of this amount is for the liability cover).

Policy coverage:

Bodily injury – $100,000/$300,000

Property damage – $100,000

Comprehensive coverage type – Comprehensive (this costs $384.81 as part of the $1,755.21 overall cost mentioned above)

Comprehensive deductible – $500 coverage

Collision deductible – $500 (this costs $564.48 as part of the $1,755.21 overall cost mentioned above)

Uninsured motor vehicle (bodily injury) – $100,000/$300,000 (this costs $189.92 as part of the $1,755.21 overall cost mentioned above)

Uninsured motor vehicle (property damage deductible) – Not included

Medical payments – $5,000 (this costs $74.39 as part of the $1,755.21 overall cost mentioned above)

Emergency road coverage – Included (this costs $2.61 as part of the $1,755.21 overall cost mentioned above)

Car rental and travel expenses – $25 per day or up to a maximum of $600 (this costs $34.42 as part of the $1,755.21 overall cost mentioned above)

Additional fees – $0.50 (Colorado Auto Theft Prevention Authority fee).

State Farm Auto-Insurance Sample Quote Details:

These are the details I used when getting quotes, I designed them to get the most average quote possible.

Van – Mercedes-Benz Metris van 2020 model (4-cylinder, 4×2 drivetrain).
Policyholder details – Male driver, College degree (associate), married, homeowner, valid US driver’s license (of 3 or more years).
Auto-insurance status – Not currently insured and no prior auto-insurance in the last 31 days.
Vehicle ownership – The policyholder is the owner.
Occupation – Electronics repair technician.
Annual mileage – 11,000 miles.
Accidents, violations, or claims – No.
Vehicle use – Commuting (to work or school).

2. Geico Van Insurance

Geico is the second-biggest auto insurance company in the US (after State Farm), and they offer 6-month auto policy quotes with customizable coverages.

Note that I didn’t use the Geico DriveEasy mobile app option when generating this sample van insurance quote.

6-Month Geico Auto Policy

It’s worth pointing out that Geico doesn’t have different premium packages, instead, they give you a sample quote with customizable coverages.

6-month plan price breakdown:

Overall cost: $960.56 total premium or $883.75 if you pay in full.

Monthly cost: $165.02 per month.

Auto coverage:

Bodily injury liability (BI) – $25,000/$50,000 (this costs $104.34 as part of the $960.56 overall cost mentioned above)

Property damage liability (PD) – $25,000 (this costs $248.25 as part of the $960.56 overall cost mentioned above)

Medical payments (MED) – Not included

Uninsured and underinsured motorist – $25,000/$50,000 (this costs $101.22 as part of the $960.56 overall cost mentioned above)

Upgraded accident forgiveness – Not included.

Van coverage:

Comprehensive (excluding collision) – $1,000 deductible (this costs $285.36 as part of the $960.56 overall cost mentioned above)

Collision (COLL) – $1,000 deductible (this costs $216.68 as part of the $960.56 overall cost mentioned above)

Uninsured motorist property damage – Not included

Emergency Road Service (ERS) – Included (this costs $4.21 as part of the $960.56 overall cost mentioned above)

Rental reimbursement (RR) – Not included

Mechanical Breakdown Insurance – Not included.

Discounts:

Anti-theft device – $4.35

Good driver – $151.27

Driving experience – Included

Financial responsibility – Included

Homeowner – Included.

Geico Auto-Insurance Sample Quote Details:

These are the details I used when getting quotes, I designed them to get the most average quote possible.

Van – Mercedes-Benz Metris van 2020 model (4 doors, 4×2 drivetrain).
Policyholder details – Male driver, College degree (associate), married, homeowner, valid US driver’s license (of 3 or more years).
Auto-insurance status – Not currently insured and no prior auto-insurance in the last 31 days.
Vehicle ownership – The policyholder is the owner.
Occupation – Electronic technician.
Annual mileage – 10,000 to 10,999 miles.
Accidents, violations, or claims – No.
Vehicle use – Commuting (to work or school).

3. Liberty Mutual Van Insurance

Liberty Mutual ranks just below State Farm and Geico as the 3rd largest insurance company in the states. They offer 2 sample premium packages with plenty of coverage customization.

Note that I didn’t sign up for Liberty Mutual’s RightTrack discount program when adding the details for this sample insurance quote.

Customized Package Quote

Liberty Mutual has 2 customized packages that you can choose from:

Package Option #1 – Lower Premium Coverage

6-month plan price breakdown:

Monthly cost: $92.92 per month.

Policy coverage for others (when you’re at fault):

Bodily injury liability – $25,000 per person/$50,000 per accident

Property damage liability – $25,000 per accident.

Coverage for you and any passengers in the vehicle:

Uninsured motorist – $25,000 per person/$50,000 per accident

Medical payments – Not included.Coverage for your vehicles – Not included.

Van coverage:

Comprehensive – Not included

Collision – Not included

Ridesharing – Not available for the vehicle (MB Metris)

Better car replacement – Not available for the vehicle (MB Metris)

Glass coverage – Not available for this vehicle (MB Metris)

Uninsured motorist property damage – Not included

24-hour roadside assistance – Not included

Rental car reimbursement – Not available for this vehicle (MB Metris).

Included discounts for ($58.33 total per month):

Online purchase

Violation free

Homeowner

Preferred payment

Early shopper

Good payer

Claims free

Package Option #2 – Well-Balanced Coverage

6-month plan price breakdown:

Monthly cost: $181.67 per month.

Policy coverage for others (when you’re at fault):

Bodily injury liability – $25,000 per person/$50,000 per accident

Property damage liability – $25,000 per accident.

Coverage for you and any passengers in the vehicle:

Uninsured motorist – $25,000 per person/$50,000 per accident

Medical payments – $5,000.Coverage for your vehicles – Not included.

Van coverage:

Comprehensive – $1,000 deductible coverage

Collision – $1,000 deductible coverage

Ridesharing – Not available for the vehicle (MB Metris)

Better car replacement – Not available for the vehicle (MB Metris)

Glass coverage – Not available for this vehicle (MB Metris)

Uninsured motorist property damage – Not included

24-hour roadside assistance – Not included

Rental car reimbursement – Not available for this vehicle (MB Metris).

Included discounts for ($115.08 total per month):

Online purchase

Violation free

Homeowner

Preferred payment

Early shopper

Good payer

Claims free

Liberty Mutual Auto-Insurance Sample Quote Details:

These are the details I used when getting quotes, I designed them to get the most average quote possible.

Van – Mercedes-Benz Metris van 2020 model (basic trim, 4 doors, 4×2 drivetrain).
Policyholder details – Male driver, College degree (associate), married, homeowner, valid US driver’s license (of 3 or more years).
Auto-insurance status – Not currently insured and no prior auto-insurance in the last 31 days.
Vehicle ownership – The policyholder is the owner.
Occupation – Electronics repair technician.
Annual mileage – N/A.
Accidents, violations, or claims – No.
Current auto-insurance status – No current insurance (including in the last 30 days).
Vehicle use – Commuting (to work or school).

4. Progressive Van Insurance

Progressive offers auto-insurance with personalized coverage, and their insurance premium is based on 6-month packages.

6-Month Package Quote

Progressive offers a 6-month package with 3 policy coverage options:

Package Option #1 – Basic Coverage

6-month plan price breakdown:

Cost:

Monthly – $22.17 for the first month and 5 monthly payments of $45.67.

Overall – $250 total premium or $216 if you pay in full.

Additional fees – $0.50 (Colorado Auto Theft Prevention Authority fee).

Policy coverage (for everyone included in the policy):

Liability (BI/PD) – $25,000/$50,000/$15,000 (this costs $216 as part of the $216 overall cost mentioned above)

Uninsured and/or Underinsured Motorist (BI) – Not included.

Medical payments – Not included.

Van coverage: N/A (no coverage)

Package Option #2 – Choice Coverage

6-month plan price breakdown:

Cost:

Monthly – $23.87 for the first month and 5 monthly payments of $48.93

Overall – $268 total premium or $231 if you pay in full.

Additional fees – $0.50 (Colorado Auto Theft Prevention Authority fee).

Policy coverage (for everyone included in the policy):

Liability (BI/PD) – $25,000/$50,000/$15,000 (this costs $216 as part of the $231 overall cost mentioned above)

Uninsured and/or Underinsured Motorist (BI) – Not included

Medical payments – $5,000 (this costs $15 as part of the $231 overall cost mentioned above).

Van coverage: N/A (no coverage)

Package Option #2 – Recommended Coverage

6-month plan price breakdown:

Cost:

Monthly – $137.85 for the first month and 5 monthly payments of $268.13

Overall – $1478 total premium or $1244 if you pay in full.

Additional fees – $0.50 (Colorado Auto Theft Prevention Authority fee).

Policy coverage (for everyone included in the policy):

Liability (BI/PD) – $250,000/$500,000/$100,000 (this costs $282 as part of the $1244 overall cost mentioned above)

Uninsured and/or Underinsured Motorist (BI) – $250,000/$500,000 (this costs $360 as part of the $1244 overall cost mentioned above)

Medical payments – Not included

Van coverage:

Comprehensive – $500 deductable (this costs $271 as part of the $1244 overall cost mentioned above)

Collision – $500 deductable (this costs $289 as part of the $1244 overall cost mentioned above).·

Uninsured Motorist (PD) – Not included.

Rental – $40 per day up to a maximum of $1,200 (this costs $42 as part of the $1244 overall cost mentioned above).

Roadside – Not included.

Progressive Auto-Insurance Sample Quote Details:

These are the details I used when getting quotes, I designed them to get the most average quote possible.

Van – Mercedes-Benz Metris van 2020 model (4-cylinder, 4×2 drivetrain).
Policyholder details – Male driver, College degree (associate), married, homeowner, valid US driver’s license (of 3 or more years).
Auto-insurance status – Not currently insured and no prior auto-insurance in the last 31 days.
Vehicle ownership – The policyholder is the owner.
Occupation – Electronics repair technician.
Annual mileage – 10,000 to 11,999 miles.
Accidents, violations, or claims – No.
Vehicle use – Commuting (to work or school).

5. Nationwide Van Insurance

In contrast to most of the other insurance companies, Nationwide doesn’t have several different premium packages.

Instead, they offer a single, yet customizable quote as an estimate.

6-Month Package Quote

Nationwide offered only one auto-insurance premium quote based on the details provided:

Nationwide Sample Coverage Plan

6-month plan price breakdown:

Cost:

Monthly – $201.28 for 6 months

Overall – $1,207.68 total premium.

Policy coverage for you and the passengers:

Bodily injury liability – $100,000/$300,000 (this costs $46.64 as part of the $1,207.68 overall cost mentioned above)

Property damage liability – $100,000 (this costs $24.70 as part of the $1,207.68 overall cost mentioned above).

Uninsured motorist bodily injury – $100,000/$300,000 (this costs $57.71 as part of the $1,207.68 overall cost mentioned above).

Medical payments – $5,000 (this costs $9.83 as part of the $1,207.68 overall cost mentioned above).

Uninsured motorists property damage liability – Not included.

Accident forgiveness – Not included.

Minor violation forgiveness – Not included.

Vanishing deductible – Not included.

Total loss deductible waiver – Not included.

Roadside assistance – Coverage plus (this costs $3.50 as part of the $1,207.68 overall cost mentioned above).

Identity theft – Not included.

Van coverage:

Comprehensive – $500 deductible (this costs $21.95 as part of the $1,207.68 overall cost mentioned above)

Collision – $500 deductible (this costs $32.28).

Original equipment manufacturer – Not included.

Rental reimbursement – $30 per day or up to $900 per accident (this costs $4.59 as part of the $1,207.68 overall cost mentioned above).

Loan/lease Gap – Not available.

New car replacement plus – Not included.

Discounts included:

Easy PayPassive Restraint

Paperless Policy

Select

New Vehicle

Accident-Free

Nationwide Auto-Insurance Sample Quote Details:

These are the details I used when getting quotes, I designed them to get the most average quote possible.

Van – Mercedes-Benz Metris van 2020 model (4 doors, 4×2 drivetrain).
Policyholder details – Male driver, College degree (associate), married, homeowner, valid US driver’s license (of 3 or more years).
Auto-insurance status – Not currently insured and no prior auto-insurance in the last 31 days.
Vehicle ownership – The policyholder is the owner.
Occupation – Electronics repair technician.
Annual mileage – 10,000 miles.
Accidents, violations, or claims – No.
Current auto-insurance status – No current insurance (including in the last 30 days).
Vehicle use – Commuting (to work or school).

6. The General Van Insurance

The General is an insurance agency that focuses exclusively on auto insurances, including van insurance premiums.

1-Year Van Insurance Policy Quote

The General provides a very basic entry-level coverage premium that you can tweak and adjust to suit your needs.

To give you a better idea of how much the different coverage options of The General are, below I’ve added a more balanced policy quote in addition to the entry-level premium:

Coverage Option #1 – Basic Entry-Level Plan

1-year plan price breakdown:

Cost:

Monthly – $76.56 for the first month and then $87.74 for the remaining 11 months.

Overall – $908 total premium.

Additional fees – Policy fee ($35) and capta fee ($1.00).

Policy coverage:

Liability bodily injury/property damage – $15000/$25,000/$50,000(this costs $872 as part of the $908 overall cost mentioned above)

Uninsured/underinsured motorist bodily injury – Not included.

Uninsured motorist property damage – Not included.

Medical payments – Not included.

Accidental death benefit – Not included.

Rental reimbursement – Not included.

Van coverage:

Comprehensive deductible – Not includedCollision deductible – Not included.

Custom equipment – Not included.

Double deductible option – Not included.

Towing and labor – Not included.

Coverage Option #2 – More Balanced (Customized) Policy

1-year plan price breakdown:

Cost:

Monthly – $280.14 for the first month and then $291.25 for the remaining 11 months.

Overall – $3,484 total premium.

Additional fees – Policy fee ($35) and capta fee ($1.00).

Policy coverage:

Liability bodily injury/property damage – $25,000/$50,000/$15,000 (this costs $960 as part of the $3,484 overall cost mentioned above)

Uninsured/underinsured motorist bodily injury – $25,000/$50,000 (this costs $421 as part of the $3,484 overall cost mentioned above).

Uninsured motorist property damage – Not included.

Medical payments – $5,000 (this costs $223 as part of the $3,484 overall cost mentioned above).

Accidental death benefit – Not included.

Rental reimbursement – $20 per day for 30 days (this costs $55 as part of the $3,484 overall cost mentioned above).

Van coverage:

Comprehensive deductible – $500 (this costs $922 as part of the $3,484 overall cost mentioned above)

Collision deductible – $500 coverage (this costs $735 as part of the $3,484 overall cost mentioned above).

Custom equipment – Not included.

Double deductible option – Not included.

Towing and labor – Not included.

The General Auto-Insurance Sample Quote Details:

These are the details I used when getting quotes, I gave them to get the most average quote possible.

Van – Mercedes-Benz Metris van 2020 model (4 doors, 4×2 drivetrain).
Policyholder details – Male driver, College degree (associate), married, homeowner, valid US driver’s license (of 3 or more years).
Auto-insurance status – Not currently insured and no prior auto-insurance in the last 31 days.
Vehicle ownership – The policyholder is the owner.
Occupation – Electronics repair technician.
Annual mileage – 10,000 miles.
Accidents, violations, or claims – No.
Current auto-insurance status – No current insurance (including in the last 30 days).
Vehicle use – Commuting (to work or school).

7. Dairyland Van Insurance

Dairyland offers several van insurance packages (from state minimum to state plus car) with decent coverage customization options.

6-Month Van Insurance Package Quote

There are 3 variations of Dairylands’s 6-month premium packages that include the following coverage:

Package Option #1 – State Minimum Insurance Plan

6-month plan price breakdown:

Cost:

Monthly – $60.18 per month for the first month and then $56.07 for the next 5 months

Overall – $340.55 total premium.

Policy coverage:

Bodily injury – $25,000/$50,000 (this costs $154.95 as part of the $340.55 overall cost mentioned above)

Property damage – $15,000 (this costs $120.29 as part of the $340.55 overall cost mentioned above).·

Uninsured motor vehicle (bodily injury) – Not included.

Medical payments – $5,000 (this costs $43.49 as part of the $340.55 overall cost mentioned above).

Emergency road coverage – Not included

Additional fees – $0.08 (Colorado Auto Theft Prevention Authority fee)

Van coverage:

Uninsured motorist property damage – Not included

Comprehensive deductible – Not included

Collision deductible – Not included.

Roadside assistance – Not included

Special equipment – Not included

Car loan protection – Not included

Package Option #2 – State Plus Insurance Plan

6-month plan price breakdown:

Cost:

Monthly – $86.19 per month for the first month and then $82.09 for the next 5 months

Overall – $496.65 total premium.

Policy coverage:

Bodily injury – $25,000/$50,000 (this costs $154.95 as part of the $496.65 overall cost mentioned above)

Property damage – $15,000 (this costs $120.29 as part of the $496.65 overall cost mentioned above).·

Uninsured motor vehicle (bodily injury) – $25,000/$50,000 (this costs $156.08 as part of the $496.65 overall cost mentioned above).

Medical payments – $5,000 (this costs $43.49 as part of the $496.65 overall cost mentioned above).

Emergency road coverage – Not included.

Additional fees – $0.08 (Colorado Auto Theft Prevention Authority fee).

Van coverage:

Uninsured motorist property damage – Not included

Comprehensive deductible – Not included.

Collision deductible – Not included.

Roadside assistance – Not included.

Special equipment – Not included.

Car loan protection – Not included.

Package Option #3 – State Plus Car Insurance Plan

6-month plan price breakdown:

Cost:

Monthly – $251.35 per month for the first month and then $247.34 for the next 5 months

Overall – $1488.03 total premium.

Policy coverage:

Bodily injury – $50,000/$100,000 (this costs $304.40 as part of the $1488.03 overall cost mentioned above)

Property damage – $25,000 (this costs $172.92 as part of the $1488.03 overall cost mentioned above)

Uninsured motor vehicle (bodily injury) – $50,000/$100,000 (this costs $253.08 as part of the $1488.03 overall cost mentioned above)

Medical payments – $5,000 (this costs $43.49 as part of the $1488.03 overall cost mentioned above)

Emergency road coverage – Not included

Additional fees – $0.08 (Colorado Auto Theft Prevention Authority fee).

Van coverage:

Uninsured motorist property damage – Not included

Comprehensive – $1,000 deductible (this costs $263.64 as part of the $1488.03 overall cost mentioned above).

Collision – $1,000 deductible (this costs $358.09 as part of the $1488.03 overall cost mentioned above).

Roadside assistance – $100 coverage.Special equipment – Not included.Car loan protection – Not included.

Dairyland Auto-Insurance Sample Quote Details:

These are the details I used when getting quotes, I designed them to get the most average quote possible.

Van – Mercedes-Benz Metris van 2020 model (4 doors, 4×2 drivetrain).
Policyholder details – Male driver, College degree (associate), married, homeowner, valid US driver’s license (of 3 or more years).
Auto-insurance status – Not currently insured and no prior auto-insurance in the last 31 days.
Vehicle ownership – The policyholder is the owner.
Occupation – Electronics repair technician.
Annual mileage – 10,000 miles.
Accidents, violations, or claims – No.
Current auto-insurance status – No current insurance (including in the last 30 days).
Vehicle use – Commuting (to work or school).

Sample Quotes of Van Insurance For Commercial Use

Finding a commercial van insurance quote for your small business requires a lot of specific information, meaning that it was quite difficult to find insurance companies that are willing to share a sample quote just for exemple puroposes.

But I still managed to come across one company that provided a sample quote basic on pretty generic details and information, so you have an idea of how much commercial van insurance costs.

Progressive Commercial Van Insurance

Progressive offers 2 specific commercial insurance policies (12 or 6 months):

Commercial Insurance Policy Option #1 – 12-Month Policy

1) Automatic Payments

Cost:

Overall – $1,290 total premium.

Available monthly payment plans:

$215.05 now and then 10 monthly payments of $112.50.

$258 now and then 9 payments of $119.67.

$258 now and then 5 payments of $211.40.

$322.50 and then 9 payments of $112.50.

$322.50 now and then 3 monthly payments of $327.50.

$516.00 now and then 2 quarterly payments of $392.

$645.00 now and then 1 monthly payment of $650.00.

Additional fees – $5.00 (per payment).

2) Pay by Mail

Cost:

Overall – $1,290 total premium or $1,155 if you pay in full.

Available monthly payment plans:

$215.05 now and then 10 payments of $119.50.

$258 now and then 10 monthly payments of $115.20.

$258 now and then 9 payments of $126.67.

$258 now and then 5 payments of $218.40.

$322.50 now and then 9 payments of $119.50.

$322.50 now and then 3 monthly payments of $334.50.

$322.50 now and then 3 quarterly payments of $334.50.

$516 now and then 2 quarterly payments of $399.

$645 now and then 1 monthly payment of $657.

Additional fees – No.

Commercial Insurance Policy Option #2 – 6-Month Policy

1) Automatic Payments

Cost:

Overall – $658 total premium.

Available monthly payment plans:

$263.20 now and then 2 payments of $202.40.Additional fees – $5.00 (per payment).

2) Pay by Mail

Cost:

Overall – $658 total premium or $588 if you pay in full.

Available monthly payment plans:

$263.20 now and then 2 payments of $209.40$329 now and then 1 quarterly payment of $341.

Additional fees – No.

Progressive Basic Commercial Policy Coverage

Bodily injury and property damage liability – $25,000/$50,000/$15,000 (this costs $1,022 as part of the $1,290 overall cost mentioned above).
Uninsured/underinsured motorist bodily injury – $25,000/$50,000 (this costs $268 as part of the $1,290 overall cost mentioned above).
Comprehensive – Not included.
Collision – Not included.
Uninsured motorist property damage – Not included.
Medical payments – Not included.
Rental reimbursement – Not included.
Roadside assistance – Not included.
Special business-related coverages – Not included.

Progressive Commercial Auto-Insurance Quote Details:

These are the details I used when getting quotes, I designed them to get the most average quote possible.

Van – Mercedes-Benz Sprinter cargo van 2020 model (4×2 drivetrain).
Actual GVW (gross vehicle weight) – 5,001 to 10,000 GVW.
Primary vehicle use – Business purposes only.
Business structure – Individual/sole proprietorship
Business type – Contractor (carpentry).
Business owner details – Licensed for at least 5 years, associate degree.
Auto-insurance status – Not currently insured and no prior auto-insurance in the last 30 days.
Vehicle ownership – Owned.
Accidents, violations, or claims – No.
USDOT number – N/A.
Social security number provided – No.

The Main Factors that Affect Van Insurance Cost

The specific price of your van insurance premium depends on various factors that insurance companies use to determine how much you’d have to pay per month and/or per year.

These are the 10 most common aspects that affect the overall cost of your van insurance policy:

Your driving record.
The amount of driving experience you have.
The make, model, and year of your van.
Your age.
The condition of your credit score.
The state and city that you live in.
Previous insurance history.
Marital status.
Your gender.
Number of miles you do annually.

Keep in mind that some of these factors, such as your driving history and vehicle type (make, model, year, etc.) have a weightier impact on the van insurance policy cost.

Conclusion

The average auto insurance cost for non-commercial vans is approximately $1,329 annually, while the average commercial auto insurance for vans is around $4,750 annually.

But don’t forget that the specific price for your van vary greatly from these estimates as each auto insurance policy is influenced by a number of important factors such as:

Driving history.
Make, model, and year of the van.
Annual mileage.
Age of the driver.
Location.

While the type of auto insurance (personal or commercial) that you choose will largely depend on what your van is used for.

If you use it for driving to work or school, then a basic auto insurance policy for personal use would do just fine.

However, if your van is used for work (e.g. as a delivery van), then you’d have to opt for a commercial auto policy.

And to get the most accurate van insurance policy quote, you’ll have to choose an insurance company and share the required details so that you’ll know how much the policy will cost in your case.