Generally, vans are more expensive to insure than cars as they’re mostly used for commercial purposes, and commercial auto insurance costs more.
However, if not for commercial usage (same annual mileage, usage, etc.), insuring a mid-size van can actually cost less than insuring a larger car (sedan).
For example, the average van insurance price obtained from the 3 leading insurance companies in the US is $171.57 per month, while car insurance rate is $173.43.
These rates are based on personal auto insurance quotes for a mid-size van (Mercedes-Benz Metris) and a large sedan (Ford Fusion).
This means that van insurance may actually be slightly cheaper, provided all other details such as usage and annual mileage are the same or very similar.
But more often than not, van insurance will cost more than car insurance because vans are typically used for commercial purposes, which means a higher insurance premium.
Insuring a large commercial van will obviously be more expensive than a small car used for daily commute.
It’s also worth noting that the insurance premium for your van will go up if it:
- Has any modifications.
- Carries tools or equipment.
- Has more than 5 seats.
- Is used for work/commercial purposes.
And to help you get a better idea about van insurance rates and how they stack up to car insurance prices, in this article, I’ll cover the following topics:
- The primary factors that affect van insurance cost.
- The average insurance rates for vans in the US and how they compare to car insurance prices.
- Actual examples from insurance companies, which show that van insurance may sometimes actually be slightly cheaper than car insurance.
- Tips to save on your van insurance.
Average Van vs Car Insurance Prices in the US
Below you’ll see a comparison between the average van insurance rates and how they compare to car insurance. These are based on actual prices that I’ve personally obtained from the leading insurance companies in the US:
Van Insurance Rates and How They Compare to Car Insurance Prices
| Vehicle | State Farm | Geico | Liberty Mutual |
| Van | $212.40 per month | $165.02 per month | $137.29 per month |
| Car | $186.85 per month | $175.67 per month | $157.79 per month |
Also, these are the raw monthly insurance prices i.e. without the “pay in full” discounts.
And any discounts for paying in full are only available if you buy insurance for a certain period (e.g. 6 months).
The Main Factors that Affect Van Insurance Cost
Insurance companies consider a wide range of factors to determine what your van premium will be, including the following primary things that affect insurance cost:
1. The Type of Van Insurance Policy
You typically have two insurance type options for a van, depending on what you use it for:
- Commercial (business) – This insurance will be your go-to policy type if you use your van for commercial purposes. It’s usually more expensive due to the increased risk of a claim.
- Personal – You can also go for personal van insurance, but only if you use it for personal purposes e.g. daily commute to and from work.
Also, if your van has commercial license plates, you’ll need commercial van insurance so that you don’t put your business at risk.
2. Any Extra Features Added to the Policy
Adding any extra features to your van insurance policy will most likely raise the price.
Depending on how your van is used, some of the most common van insurance options and add-ons that can increase your premium are:
- Roadside assistance coverage – This add-on covers roadside assistance in case you have to deal with a flat tire, a dead battery, etc.
- Gap coverage – This extra option for your policy is meant to pay the difference between the van’s loan amount and your standard insurance coverage.
- New vehicle replacement coverage – This policy add-on helps you pay for a new van if your current one needs to be replaced due to an accident. It only helps you pay for one of equal or lesser value.
3. The Model and Specifications of the Van
A more upmarket, expensive, and powerful van will cost more to insure as it’d be more expensive to replace if an accident occurs.
For example, you can expect a higher premium for a high roof, long wheelbase 4×4 V6 Mercedes-Benz Sprinter in high-end trim level than the same model but with an entry-level and a 4-cylinder engine.
4. The Number of Miles You Accumulate per Year
Doing lots of miles on a regular basis means that your premium will be higher than someone who’s only doing less than 10k miles per year.
Practical Tips to Lower Your Van Insurance
Although van insurance is a necessary expense, the following tips can help reduce the overall cost of your policy:
- Build up your no-claim bonus – Each year without making a claim means that you’ll get a discount on your next renewal.
- Keep your van in a garage – Parking your vehicle in a secure place (e.g. a garage or a private driveway) can help you save a bit off your insurance premium.
- Utilize auto insurance discounts – Insurance companies offer various discounts (e.g. 5% for enabling automatic premium payments or a 35% “good student” discount ).
- Drive safely – Avoid any traffic violations so that you don’t get a ticket and your insurance company will reward you with a lower premium.
- Improve your credit score – Try keeping your credit card balance way below the limits and make sure that you’re paying for your loans and/or covering your credit card payments on time for lower van insurance rates.
Conclusion
As a general rule of thumb, van insurance is not cheaper than car insurance, the price depends on the vehicle and how it’s used.
That’s because most vans are used for work as part of business fleet vehicles and commercial auto insurance costs more than personal auto insurance.
But when a van is used for personal reasons (e.g. daily commuting) and insured the same way most cars are (i.e. personal auto insurance), then you may find that van insurance can actually cost slightly less.
For example, the average insurance cost for a Mercedes-Benz Metris in the US is around $137.29 to $212.40 per month, while insuring a Ford Fusion will typically cost about $157.79 to $186.85 per month.
Eventually, your van insurance premium will largely depend on:
- How your van is used.
- The number of miles you do.
- The size, make, model and trim level of the van.
To get the most accurate insurance rate for your van, I’d recommend going to your preferred insurance company and requesting a quote directly from them. I have also done this job and have put the following quotes below, which you may find useful. These quotes helped me be sure that the information above is correct.
Examples of When Van Insurance May Be Cheaper
To show you that van insurance may sometimes be slightly cheaper than car insurance, I’ve personally requested sample insurance quotes from the big 3 insurance companies in the US – State Farm, Geico and Liberty Mutual.
For this example, both the van and the car quotes have the same/very identical annual mileage, use (personal), and model year (2020).
All of the quotes listed below are real and based on specific details to give you the most average price possible.
1. State Farm Car and Van Insurance Sample Quotes
State Farm offers car and van insurance premiums based on 6-month packages.
Note that I didn’t use the Drive Safe & Save mobile app enrollment option when generating these sample insurance quotes.
State Farm Van Insurance Sample 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)
| 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 – 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 extras: 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)
| 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 – 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 6-month 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)
| 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 – $500 (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)
| 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/$100,000. Property damage – $50,000. Comprehensive coverage – $500 (this costs $384.81 as part of the $1,599.71 overall 6-month cost mentioned above). Comprehensive deductible – $500 coverage. Collision deductible – $500 (this costs $564.48 as part of the $1,599.71 overall 6-month cost mentioned above). Uninsured motor vehicle (bodily injury) – $50,000/$100,000 (this costs $112.13 as part of the $1,599.71 overall 6-month 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 6-month cost mentioned above). Emergency road coverage – Included (this costs $2.61 as part of the $1,599.71 overall 6-month cost mentioned above). Additional fees – $0.50 (Colorado Auto Theft Prevention Authority fee). |
Package Option #3 – Premium Coverage (Monthly)
| 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 – $500 (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)
| 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 – $500 (this costs $384.81 as part of the $1,755.21 overall 6-month cost mentioned above). Comprehensive deductible – $500. Collision deductible – $500 (this costs $564.48 as part of the $1,755.21 overall 6-month cost mentioned above). Uninsured motor vehicle (bodily injury) – $100,000/$300,000 (this costs $189.92 as part of the $1,755.21 overall 6-month 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 6-month cost mentioned above). Emergency road coverage – Included (this costs $2.61 as part of the $1,755.21 overall 6-month 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 6-month cost mentioned above). Additional fees – $0.50 (Colorado Auto Theft Prevention Authority fee). |
State Farm Van Insurance Sample Quote Details:
These are the details I used when requesting the quotes to get the most average van insurance 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.
- Location – Colorado Springs, CO, US
- Annual mileage – 11,000 miles.
- Accidents, violations, or claims – No.
- Vehicle use – Commuting (to work or school).
State Farm Car Insurance Sample Quotes
And this is the sample car insurance quote that I personally obtained from State Farm:
Package Option #1 – Basic Coverage (Monthly)
| Monthly plan price breakdown: |
| Monthly cost: $74.89 per month ($61.37 of this amount is for the liability cover). |
| Policy coverage: Bodily injury – $25,000/$50,000. Property damage – $15,000. Comprehensive coverage – Not included. Collision deductible – Not included. Uninsured motor vehicle (property damage deductible) – $25,000/$50,000 (this costs $13.44 as part of the $74.89 monthly cost mentioned above). Medical payments – Not included. Emergency road coverage – Not included. Additional fees – $0.08 (Colorado Auto Theft Prevention Authority fee). |
| Available extras: N/A |
Package Option #1 – Basic Coverage (6-Month)
| 6-month plan price breakdown: |
| Overall cost: $449.38 total premium ($368.24 of this amount is for the liability cover). |
| Policy coverage: Bodily injury – $25,000/$50,000. Property damage – $15,000. Comprehensive coverage – Not included. Collision deductible – Not included. Uninsured motor vehicle (bodily injury) – $25,000/$50,000 (this costs $80.64 as part of the $468.39 overall 6-month 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)
| Monthly plan price breakdown: |
| Monthly cost: $229.28 per month ($71.09 of this amount is for the liability cover). |
| Policy coverage: Bodily injury – $50,000/$100,000. Property damage – $50,000. Comprehensive coverage – $500 (this costs $48.98 as part of the $229.28 monthly cost mentioned above). Collision deductible – $500 (this costs $70.82 as part of the $229.28 monthly cost mentioned above). Uninsured motor vehicle (bodily injury) – $50,000/$100,000 (this costs $21.50 as part of the $229.28 monthly cost mentioned above). Uninsured motor vehicle (property damage deductible) – Not included. Medical payments – $5,000 (this costs $16.09 as part of the $229.28 monthly cost mentioned above). Emergency road coverage – Included (this costs $0.71 as part of the $229.28 monthly cost mentioned above). Additional fees – $0.08 (Colorado Auto Theft Prevention Authority fee). |
Package Option #2 – Standard Coverage (6-Month)
| 6-month plan price breakdown: |
| Overall cost: $1,375.70 total premium ($426.53 of this amount is for the liability cover). |
| Policy coverage: Bodily injury – $50,000/$100,000. Property damage – $50,000. Comprehensive coverage – $500 (this costs $293.89 as part of the $1,375.70 overall 6-month cost mentioned above). Collision deductible – $500 (this costs $424.93 as part of the $1,375.70 overall 6-month cost mentioned above). Uninsured motor vehicle (bodily injury) – $50,000/$100,000 (this costs $129.02 as part of the $1,375.70 overall 6-month cost mentioned above). Uninsured motor vehicle (property damage deductible) – Not included. Medical payments – $5,000 (this costs $96.57 as part of the $1,375.70 overall 6-month cost mentioned above). Emergency road coverage – Included (this costs $4.26 as part of the $1,375.70 overall 6-month cost mentioned above). Additional fees – $0.50 (Colorado Auto Theft Prevention Authority fee). |
Package Option #3 – Premium Coverage (Monthly)
| Monthly plan price breakdown: |
| Monthly cost: $256.40 per month ($77.76 of this amount is for the liability cover). |
| Policy coverage: Bodily injury – $100,000/$300,000. Property damage – $100,000. Comprehensive coverage – $500 (this costs $48.98 as part of the $256.40 monthly cost mentioned above). Uninsured motor vehicle (bodily injury) – $100,000/$300,000 (this costs $36.42 as part of the $256.40 monthly cost mentioned above). Uninsured motor vehicle (property damage deductible) – Not included. Medical payments – $5,000 (this costs $16.09 as part of the $256.40 monthly cost mentioned above). Emergency road coverage – Included (this costs $0.71 as part of the $256.40 monthly cost mentioned above). Car rental and travel expenses – $25 per day or up to a maximum of $600 (this costs $5.53 as part of the $256.40 overall monthly cost mentioned above). Additional fees – $0.08 (Colorado Auto Theft Prevention Authority fee). |
Package Option #3 – Premium Coverage (6-Month)
| 6-month plan price breakdown: |
| Overall cost: $1,538.43 total premium ($466.57 of this amount is for the liability cover). |
| Policy coverage: Bodily injury – $100,000/$300,000. Property damage – $100,000. Comprehensive coverage – Included. Comprehensive deductible – $500 coverage. (this costs $293.89 as part of the $1,538.43 overall 6-month cost mentioned above). Collision deductible – $500 (this costs $424.93 as part of the $1,538.43 overall 6-month cost mentioned above). Uninsured motor vehicle (bodily injury) – $100,000/300,000 (this costs $218.53 as part of the $1,538.43 overall 6-month cost mentioned above). Uninsured motor vehicle (property damage deductible) – Not included. Medical payments – $5,000 (this costs $96.57 as part of the $1,538.43 overall 6-month cost mentioned above). Emergency road coverage – Included. Car rental and travel expenses – $25 per day or up to a maximum of $600 (this costs $33.18 as part of the $256.40 overall 6-month cost mentioned above). Additional fees – $0.50 (Colorado Auto Theft Prevention Authority fee). |
State Farm Car Insurance Sample Quote Details:
Here are the details I used when requesting the quotes to give you the most average car insurance quote possible.
- Car – Ford Fusion 2020 model S 4-door sedan (gasoline engine).
- 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.
- Location – Colorado Springs, CO, US
- Annual mileage – 11,000 miles.
- Accidents, violations, or claims – No.
- Vehicle use – Commuting (to work or school).
2. Geico Car and Van Insurance Sample Quotes
Geico offers car and van insurance based on 6-month insurance policies with customizable coverages.
Keep in mind that I didn’t use the Geico DriveEasy mobile app option when generating the sample quotes below.
Geico Van Insurance Sample Quote
Geico doesn’t offer different insurance packages – just one sample quote that you can customize per your needs.
Here’s how much their van insurance costs:
| 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 6-month cost mentioned above). Property damage liability (PD) – $25,000 (this costs $248.25 as part of the $960.56 overall 6-month 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 6-month 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 6-month cost mentioned above). Collision (COLL) – $1,000 deductible (this costs $216.68 as part of the $960.56 overall 6-month 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 6-month cost mentioned above). Rental reimbursement (RR) – Not included. Mechanical Breakdown Insurance – Not included. |
| Discounts (included in the policy by default): Anti-theft device – $4.35. Good driver – $151.27. Driving experience – Included. Financial responsibility – Included. Homeowner – Included. |
Geico Van Insurance Sample Quote Details:
These are the details I used when getting quotes that I designed to get the most average van insurance 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.
- Location – Colorado Springs, CO, US
- Vehicle use – Commuting (to work or school).
Geico Car Insurance Sample Quote
And this is how much their car insurance costs:
| 6-month plan price breakdown: |
| Overall cost: $1,024.44 total premium or $942.53 if you pay in full. |
| Monthly cost: $175.67 per month. |
| Auto coverage: Bodily injury liability (BI) – $25,000/$50,000 (this costs $130.29 as part of the $1,024.44 overall 6-month cost mentioned above). Property damage liability (PD) – $25,000 (this costs $249.14 as part of the $1,024.44 overall 6-month cost mentioned above). Medical payments (MED) – Not included. Uninsured and underinsured motorist – $25,000/$50,000 (this costs $96.31 as part of the $1,024.44 overall 6-month cost mentioned above). Upgraded accident forgiveness – Not included. |
| Car coverage: Comprehensive (excluding collision) – $1,000 deductible (this costs $254.00 as part of the $1,024.44 overall 6-month cost mentioned above). Collision (COLL) – $1,000 deductible (this costs $289.71 as part of the $1,024.44 overall 6-month cost mentioned above). Uninsured motorist property damage – Not included. Emergency Road Service (ERS) – Included (this costs $4.49 as part of the $1,024.44 overall 6-month cost mentioned above). Rental reimbursement (RR) – Not included. |
| Discounts (included in the policy by default): Anti-theft device – $3.87. Good driver – $194.19. Driving experience – Included. Financial responsibility – Included. Homeowner – Included. |
Geico Car Insurance Sample Quote Details:
These are the details I used when getting quotes that I designed to get the most average car insurance quote possible.
- Car – Ford Fusion 2020 model.
- 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 – 12,000 to 12,999 miles.
- Accidents, violations, or claims – No.
- Location – Colorado Springs, CO, US
- Vehicle use – Commuting (to work or school).
3. Liberty Mutual Car and Van Insurance
Liberty Mutual offers 2 auto insurance 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 these sample insurance quotes.
Liberty Mutual Van Insurance Sample Quote
This is how much you can expect to pay for a Liberty Mutual van insurance based on the customized sample quote that I requested:
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 (Mercedes-Benz Metris). Better car replacement – Not available for the vehicle (Mercedes-Benz Metris). Glass coverage – Not available for this vehicle (Mercedes-Benz Metris). Uninsured motorist property damage – Not included. 24-hour roadside assistance – Not included. Rental car reimbursement – Not available for this vehicle (Mercedes-Benz 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 (Mercedes-Benz Metris). Better car replacement – Not available for the vehicle (Mercedes-Benz Metris). Glass coverage – Not available for this vehicle (Mercedes-Benz Metris). Uninsured motorist property damage – Not included. 24-hour roadside assistance – Not included. Rental car reimbursement – Not available for this vehicle (Mercedes-Benz Metris). |
| Included discounts for ($115.08 total per month): Online purchase. Violation free. Homeowner. Preferred payment. Early shopper. Good payer. Claims free. |
Liberty Mutual Van 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).
Liberty Mutual Car Insurance Sample Quote
And these are the Liberty Mutual car insurance sample quotes that I generated for your reference:
Custom Package Option #1 – Lower Premium Coverage
| Monthly plan price breakdown: |
| Monthly cost: $87.17 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. |
| Car coverage: Comprehensive – Not included. Collision – Not included. Ridesharing – Not available for the vehicle (Ford Fusion). Better car replacement – Not available for the vehicle (Ford Fusion). Glass coverage – Not available for this vehicle (Ford Fusion). Uninsured motorist property damage – Not included. 24-hour roadside assistance – Not included. Rental car reimbursement – Not available for this vehicle (Ford Fusion). |
| Included discounts for ($53.58 total per month): Online purchase. Violation free. Homeowner. Preferred payment. Early shopper. Good payer. Claims free. |
Custom Package Option #2 – Well-Balanced Coverage
| Monthly plan price breakdown: |
| Monthly cost: $228.42 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. |
| Car coverage: Comprehensive – $500 deductible coverage. Collision – $500 deductible coverage. Ridesharing – Not available for the vehicle (Ford Fusion). Better car replacement – Not available for the vehicle (Ford Fusion). Glass coverage – Not available for this vehicle (Ford Fusion). Uninsured motorist property damage – Not included. 24-hour roadside assistance – Not included. Rental car reimbursement – Not available for this vehicle (Ford Fusion). |
| Included discounts for ($144.08 total per month): Online purchase. Violation free. Homeowner. Preferred payment. Early shopper. Good payer. Claims free. |
Liberty Mutual Car Insurance Sample Quote Details:
These are the details I used when getting quotes, I designed them to get the most average car insurance quote possible.
- Car – Ford Fusion 2020 model (S trim, 4 doors sedan).
- 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).
- Location – Colorado Springs, CO, US
- Vehicle use – Commuting (to work or school).