The Cheapest Van Insurance Companies of 2026
GEICO is the cheapest car insurance company for vans, with an average premium of $73 per month.
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Written byKat Tretina
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Kat TretinaInsurance Writer
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Edited byNick Versaw
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Nick VersawSenior Managing Editor
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Reviewed byDavid C. Marlett, Ph.D., CPCU
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David C. Marlett, Ph.D., CPCUExpert Reviewer, Insurance
Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
Updated
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Insuring a van is relatively inexpensive compared to other vehicles.
The average cost to insure a van is $132 per month, which is about 10% less than the average cost for all vehicles, based on Compare.com data.
But van insurance rates depend on several factors, including which insurance company you choose and your coverage options. So it’s a good idea to shop around and compare quotes from several companies to find the cheapest insurance for your van.
Key Takeaways
Van drivers pay an annual average of $1,584 for car insurance.
GEICO, State Farm, and Allstate are three of the cheapest insurers for vans, on average.
The Honda Odyssey is the cheapest minivan to insure, with average monthly premiums of $117.
Cheapest Van Insurance Companies
Each insurance company has its own formula to calculate risk levels when setting rates, so premiums vary by company. You could save hundreds on your policy by switching insurers for your van.
The table below shows the average monthly premiums from several of the cheapest van insurance companies.
Company | Average Monthly Premium |
|---|---|
| GEICO | $73 |
| State Farm | $74 |
| Allstate | $82 |
| American Family | $96 |
| Progressive | $107 |
| Nationwide | $115 |
| Travelers | $121 |
| Farmers | $147 |
| Liberty Mutual | $181 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
How Much Does Van Insurance Cost?
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Van insurance costs $91 per month for a liability-only policy and $172 per month for full coverage on average, according to Compare.com data.
But how much you pay to insure your van depends on several factors, including your age, location, gender, mileage, and driving history. Younger drivers tend to pay the highest rates because they have less driving experience. A history of accidents or speeding tickets will also typically lead to higher rates.
In some states, insurers can also consider your credit history. Drivers with good credit tend to pay less for coverage.
Insurance companies will also consider your van’s make, model, age, and value. More expensive vehicles are costlier to insure. Your coverage limits, selected coverages, and chosen deductible also affect your premium.[1]
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Average Costs to Insure Popular Vans
Newer vans with higher values and updated features and technology tend to be more expensive to insure due to their higher repair and replacement costs.
The table below shows the average and cheapest monthly premiums for some of the most popular vans in the U.S., based on Compare.com data.
Van Model | Average Monthly Premium | Cheapest Insurer | Cheapest Monthly Premium |
|---|---|---|---|
| Chrysler Pacifica | $131 | GEICO | $48 |
| Chrysler Voyager | $137 | GEICO | $50 |
| Honda Odyssey | $117 | State Farm | $43 |
| Kia Carnival | $152 | GEICO | $56 |
| Toyota Sienna | $131 | State Farm | $46 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
The Honda Odyssey is the least expensive van to insure, at an average of $117 per month, likely due to its strong safety record. The 2025 Honda Odyssey was an Insurance Institute for Highway Safety (IIHS) top safety pick.[2]
The Kia Carnival is the most expensive van to insure, with an average monthly premium of $152, likely due to high theft rates and costly trim packages. In the past, Kia has been a frequent target for vehicle theft, and some new Kia Carnival trims can be well over $50,000. But you can still likely find affordable coverage by shopping around and comparing rates.
The Best Van Insurance Companies
Vans are increasing in popularity thanks to their spacious cargo room and functionality. They also tend to cost less than SUVs, making them an affordable alternative for some drivers. Below are some of our top picks for the best van insurance companies.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $81/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $147/mo |
3.9
A solid optionBased on 791 verified guest reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.4 | 2.9 |
How drivers feel about GEICO
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 301 GEICO reviews
Verified Review
Reviewed in Florida on August 5, 2026
Very poor. I called to get a quote for a potential vehicle upgrade to a Tesla. The cost was acceptable. Based on the quote, I purchased the Tesla. The day I picked up the Tesla, I called to add the vehicle to my policy and was informed that the quote I just got had increased by another $500. That was a shock, and I immediately canceled my policy and went to Progressive.
Verified Review
Reviewed in Virginia on August 5, 2026
The experience is fine. I’ve been with Geico for a very long time.
Verified Review
Reviewed in California on August 3, 2026
GEICO is a great company. It’s sad that I won’t be able to afford it soon—$373 is a little too high for my budget.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO could be a good choice if you want to keep premiums low to insure your van. It has lower-than-average insurance rates for vans and lots of discount options that could lower your rate even more. Some unusual discounts include savings for homeownership, plus employment or group membership discounts.
Pros
Much lower-than-average premiums
Long list of discounts
Sells mechanical breakdown coverage
Cons
Lower-than-average claims satisfaction rating
Small network of insurance agents
Doesn’t sell gap insurance
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $105/mo |
3.9
A solid optionBased on 938 verified guest reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
How drivers feel about State Farm
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 364 State Farm reviews
Verified Review
Reviewed in Georgia on August 8, 2026
Good experience with auto insurance, but it was extremely expensive. Poor experience with home insurance.
Verified Review
Reviewed in Georgia on August 4, 2026
Customer service is always excellent. My agent is knowledgeable and very professional. My insurance is expensive.
Verified Review
Reviewed in Florida on August 3, 2026
I don’t like how my policy coverage went up six months later. I’ll be shopping for new insurance.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm may be a good fit if you plan to use your van for rideshare services. While some rideshare companies require you to buy a stand-alone commercial vehicle policy, State Farm has a rideshare endorsement you can add to your existing personal policy. And this could save you money, compared to buying separate commercial van insurance.
State Farm also has lower-than-average rates for vans and a large network of agents offering personalized assistance.
Pros
Rideshare coverage available as an endorsement
Lower-than-average rates
Large agent network
Cons
Not available in Rhode Island or Massachusetts
Higher rates for drivers with past infractions
Doesn’t sell gap coverage
| User Reviews | 3.7 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $74/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $146/mo |
3.7
A solid optionBased on 551 verified guest reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.5 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.2 | 2.9 |
How drivers feel about Allstate
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 199 Allstate reviews
Verified Review
Reviewed in Missouri on August 8, 2026
Stay away. It started out cheap, then they raised my rate for no reason. The price is high, and they sold my policy to a different company with poor reviews.
Verified Review
Reviewed in Texas on August 5, 2026
Exceptional rep, but it’s often too expensive.
Verified Review
Reviewed in Texas on August 5, 2026
Great compared to others.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company
Allstate offers gap insurance, which can provide additional financial protection after an accident if you finance your van with a loan or lease. Allstate also offers vehicle protection plans you can add to get coverage for repairs not related to accidents. Plus, rates are relatively cheap for Allstate’s van insurance compared to other insurers.
Pros
Sells gap insurance
Offers vehicle protection plans
Relatively low rates
Cons
Lower-than-average claims satisfaction scores
Poor reviews from customers on Trustpilot about claim delays
Fewer discount programs than some competitors
What Van Insurance Covers
Van insurance is a type of auto insurance for minivans, camper vans, or cargo vans. Depending on your vehicle type and value, you may need one or more of the following types of van insurance:[3]
Liability: Liability insurance helps pay for bodily injury and property damage that you cause and is required by law in most states.
Collision: Collision insurance is a type of optional coverage that pays for repairs to your own van if you’re in an accident, no matter who’s at fault.
Comprehensive: Comprehensive coverage pays for repairs to your van from damage related to weather, animals, vandalism, or theft.
Gap: Gap insurance pays the difference between your van’s current value and your outstanding balance on your loan or lease if it’s stolen or totaled in an accident. Lenders generally require gap coverage when you finance a vehicle.
Rental car reimbursement and roadside assistance may also be worth considering for added financial protection when shopping around for van insurance.
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4.7 out of 5 based on 780 reviews
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How to Get Cheaper Van Insurance
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To reduce insurance premiums for your van, follow these five tips:
Sign up for a usage-based insurance (UBI) policy. UBI policies track vehicle use and driving habits. If you drive safely and cover fewer-than-average miles, it could help you save on premiums.
Take a safety class. Some insurers offer discounts for van drivers who complete approved safe driving or defensive driving courses.
Raise your deductible. If you have collision and comprehensive insurance, consider raising your deductible to lower your monthly premium. Just be sure you can afford to pay the higher deductible if you have to file a claim.
Ask about discount programs. Check with your insurance agent or insurer about available car insurance discounts. Common discounts you may qualify for include savings for low-mileage, safe drivers, good students, and vehicle safety or anti-theft features.
Compare van insurance quotes. Because rates vary significantly between insurers, compare quotes from several companies at least once per year to find the lowest insurance prices and best coverage for your van.
Cheap Van Insurance FAQs
If you own a van or are thinking about purchasing a new one, the following information may help you find cheap van insurance.
Which company has the cheapest van insurance?
In general, we found that GEICO and State Farm have the lowest average premiums for van insurance. Your exact rates depend on factors like your driving record and location, so it’s important to get quotes from several companies to find the lowest rates.
How much does van insurance cost per month?
On average, van drivers pay $91 per month for liability-only van insurance policies and $172 per month for full-coverage policies, according to Compare.com data.
What does van insurance cover?
A basic van insurance policy will meet state-minimum liability requirements, but liability insurance doesn’t cover your van. Full-coverage insurance includes comprehensive and collision insurance to protect your van.
Can you add a work van to your car insurance?
You generally can’t add a work van to your personal car insurance policy. But if you only use the van occasionally for business purposes, such as for rideshare jobs, you may be able to add an endorsement instead of buying a separate commercial auto policy for your van.
What’s the best way to find cheap van insurance?
To find cheap van insurance, request quotes from several insurance companies, including national and smaller regional companies. Also, ask insurers about potential discounts to reduce your rates.
Which minivan is the cheapest to insure?
We found that the Honda Odyssey is the cheapest minivan to insure. On average, Odyssey owners pay $117 per month for vehicle insurance, according to Compare.com data.
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Institute for Highway Safety. "2025 Honda Odyssey."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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)
Kat TretinaInsurance Writer
Nick VersawSenior Managing Editor
David C. Marlett, Ph.D., CPCUExpert Reviewer, Insurance
Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter