CarInsurance.com Insights
- It costs an average of $2,208 for van insurance in 2025, or $184 per month.
- Liability-only insurance for vans averages $77 per month.
- Older minivans typically have the cheapest van insurance rates.
- Progressive offers the cheapest van insurance at $1,904 annually or $159 monthly.
Vans are hard-working, practical, and family-friendly—and they’re also cheap to insure. Our study of more than 67 million car insurance quotes found that the average monthly premium for full coverage van insurance is $184.
Still, you can find cheaper van insurance by choosing an older model vehicle, asking for discounts, or selecting liability-only coverage (if it makes sense for your situation).
What is the average cost of van insurance in 2025?
CarInsurance.com analyzed millions of car insurance quotes to find out how much van insurance costs, on average.
In 2025, the average annual cost of van insurance will be $2,208, or $184 per month. The annual average premium for liability-only insurance will be $929, or $77 per month.
Breaking it down a little further, drivers pay an average of $2,172 for cargo and passenger vans ($181 monthly) compared to $2,315 annually for minivans ($193 monthly). For liability-only insurance, van drivers pay an average of $930 annually compared to $926 annually for minivan drivers.
However, your particular van insurance costs will vary depending on your location, vehicle, driving history and other factors.
Cheapest van insurance by make and model
The cheapest van insurance for 2023 models is for the Ford Transit Connect. The average annual premium for the 2023 Transit Connect is $2,031, or $169 monthly. Other 2023 vans with the cheapest car insurance, on average, include the Chevrolet Express ($173 monthly), Honda Odyssey ($175 monthly), Chrysler Voyager ($176 monthly) and GMC Savana ($177 monthly).
See the table below for the cheapest van insurance by make and model for 2023 van models.
| Make & model | Average monthly rates | Average six-month rates | Average annual rates |
|---|---|---|---|
| Chevrolet Express | $173 | $1,040 | $2,079 |
| Chrysler Pacifica | $192 | $1,155 | $2,310 |
| Chrysler Voyager | $176 | $1,054 | $2,108 |
| Ford Bronco | $179 | $1,073 | $2,145 |
| Ford Transit | $183 | $1,101 | $2,202 |
| Ford Transit Connect | $169 | $1,016 | $2,031 |
| GMC Savana | $177 | $1,062 | $2,123 |
| Honda Odyssey | $175 | $1,048 | $2,097 |
| Kia Carnival | $186 | $1,115 | $2,230 |
| Mercedes-Benz Metris | $179 | $1,077 | $2,154 |
| Mercedes-Benz Sprinter | $199 | $1,195 | $2,389 |
| Ram ProMaster | $182 | $1,094 | $2,188 |
| Toyota Sienna | $189 | $1,133 | $2,266 |
Cost of van insurance by make and model over time
The cost of insuring a minivan increases steadily as newer model years are introduced. Older vans like the Chrysler Town and Country or Dodge Grand Caravan generally have lower premiums, but once these models are discontinued, replacements like the Chrysler Pacifica and Kia Carnival show higher average rates.
Across all brands, insurance costs rise with each model year because newer vehicles have higher repair bills, advanced technology and higher overall values. The data show annual premiums for popular vans such as the Honda Odyssey and Toyota Sienna climbed by several hundred dollars between 2014 and 2023, with monthly costs edging closer to $200 for the newest models.
Chrysler Town and Country/Chrysler Pacifica
The Town and Country rates averaged under $1,800 a year before the model was retired in 2016. The Chrysler Pacifica’s replacement starts higher and continues to climb, reaching more than $2,300 annually by 2023. The Town and Country was replaced with the Chrysler Pacifica beginning in 2017.
The table below shows rates for multiple model years of the Chrysler Pacifica and Chrysler Town and Country.
| Make/model | Model year | Average annual rates | Average monthly rates | Average six-month rates |
|---|---|---|---|---|
| Chrysler Town & Country | 2014 | $1,669 | $139 | $835 |
| Chrysler Town & Country | 2015 | $1,714 | $143 | $857 |
| Chrysler Town & Country | 2016 | $1,799 | $150 | $900 |
| Chrysler Pacifica | 2017 | $1,833 | $153 | $916 |
| Chrysler Pacifica | 2018 | $1,891 | $158 | $946 |
| Chrysler Pacifica | 2019 | $1,946 | $162 | $973 |
| Chrysler Pacifica | 2020 | $2,072 | $173 | $1,036 |
| Chrysler Pacifica | 2021 | $2,151 | $179 | $1,075 |
| Chrysler Pacifica | 2022 | $2,247 | $187 | $1,124 |
| Chrysler Pacifica | 2023 | $2,310 | $192 | $1,155 |
Dodge Grand Caravan
The Grand Caravan was among the least expensive vans to insure, with annual rates around $1,600 in 2014. Even by its final model year in 2020, premiums stayed under $2,000, making it a budget-friendly option compared to newer vans. The Grand Caravan was discontinued after 2020.
The table below shows rates for multiple Dodge Grand Caravan model years.
| Make & model | Year | Average annual rates | Average monthly rates | Average 6-month rates |
|---|---|---|---|---|
| Dodge Grand Caravan | 2014 | $1,614 | $135 | $807 |
| Dodge Grand Caravan | 2015 | $1,667 | $139 | $834 |
| Dodge Grand Caravan | 2016 | $1,718 | $143 | $859 |
| Dodge Grand Caravan | 2017 | $1,781 | $148 | $890 |
| Dodge Grand Caravan | 2018 | $1,849 | $154 | $925 |
| Dodge Grand Caravan | 2019 | $1,909 | $159 | $954 |
| Dodge Grand Caravan | 2020 | $1,960 | $163 | $980 |
Honda Odyssey
The Odyssey shows a steady rise in premiums, starting around $1,600 yearly for 2014 models and climbing past $2,000 by 2023. It remains one of the most consistent vans in terms of gradual cost increases.
The table below shows rates for multiple Honda Odyssey model years.
| Make & model | Year | Average annual rates | Average monthly rates | Average 6-month rates |
|---|---|---|---|---|
| Honda Odyssey | 2014 | $1,595 | $133 | $797 |
| Honda Odyssey | 2015 | $1,661 | $138 | $831 |
| Honda Odyssey | 2016 | $1,703 | $142 | $851 |
| Honda Odyssey | 2017 | $1,737 | $145 | $869 |
| Honda Odyssey | 2018 | $1,807 | $151 | $903 |
| Honda Odyssey | 2019 | $1,866 | $155 | $933 |
| Honda Odyssey | 2020 | $1,913 | $159 | $956 |
| Honda Odyssey | 2021 | $1,952 | $163 | $976 |
| Honda Odyssey | 2022 | $2,013 | $168 | $1,007 |
| Honda Odyssey | 2023 | $2,097 | $175 | $1,048 |
Kia Sedona/Kia Carnival
Insurance rates for the Sedona ranged from about $1,750 in 2014 to more than $2,100 for a 2021 model. The Kia Carnival’s successor comes in even higher, topping $2,200 a year for 2023 models. The Kia Sedona was replaced by the Kia Carnival beginning in 2022.
The table below shows rates for multiple Kia Sedona and Kia Carnival model years.
| Make & model | Year | Average annual rates | Average monthly rates | Average 6-month rates |
|---|---|---|---|---|
| Kia Sedona | 2014 | $1,747 | $146 | $873 |
| Kia Sedona | 2015 | $1,830 | $153 | $915 |
| Kia Sedona | 2016 | $1,884 | $157 | $942 |
| Kia Sedona | 2017 | $1,937 | $161 | $968 |
| Kia Sedona | 2018 | $1,986 | $166 | $993 |
| Kia Sedona | 2019 | $2,042 | $170 | $1,021 |
| Kia Sedona | 2020 | $2,100 | $175 | $1,050 |
| Kia Sedona | 2021 | $2,145 | $179 | $1,072 |
| Kia Carnival | 2022 | $2,155 | $180 | $1,078 |
| Kia Carnival | 2023 | $2,230 | $186 | $1,115 |
Toyota Sienna
The Sienna begins around $1,700 annually in 2014 and rises to nearly $2,300 by 2023. Like the Pacifica, the Sienna shows one of the sharpest increases, with monthly premiums nearing $190 for the newest model year.
The table below shows rates for multiple Toyota Sienna model years.
| Make & model | Year | Average annual rates | Average monthly rates | Average 6-month rates |
|---|---|---|---|---|
| Toyota Sienna | 2014 | $1,689 | $141 | $845 |
| Toyota Sienna | 2015 | $1,766 | $147 | $883 |
| Toyota Sienna | 2016 | $1,815 | $151 | $907 |
| Toyota Sienna | 2017 | $1,863 | $155 | $932 |
| Toyota Sienna | 2018 | $1,910 | $159 | $955 |
| Toyota Sienna | 2019 | $1,994 | $166 | $997 |
| Toyota Sienna | 2020 | $2,032 | $169 | $1,016 |
| Toyota Sienna | 2021 | $2,167 | $181 | $1,084 |
| Toyota Sienna | 2022 | $2,180 | $182 | $1,090 |
| Toyota Sienna | 2023 | $2,266 | $189 | $1,133 |
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Insurance companies with cheap insurance rates for vans
We found the cheapest insurance companies for van insurance were Allstate, Farmers, Geico, Nationwide, Progressive and State Farm.
Progressive had the lowest average rates for van insurance: $1,904 per year, or $159 per month. That works out to $952 for a six-month premium.
Below are the average annual, monthly and six-month rates for van insurance with each company.
| Company | Average annual rates | Average monthly rates | Average 6-month rates |
|---|---|---|---|
| Progressive | $1,904 | $159 | $952 |
| Nationwide | $1,933 | $161 | $967 |
| Geico | $1,963 | $164 | $982 |
| State Farm | $2,010 | $168 | $1,005 |
| Farmers | $2,622 | $219 | $1,311 |
| Allstate | $2,871 | $239 | $1,436 |
What affects van insurance rates?
Many factors affect auto insurance rates for vans, which is why your rate is personalized. Here are some factors that will affect how much you pay for van insurance:
- Age: Van insurance for young drivers is typically higher – sometimes much higher. Teenagers’ average car insurance rate is about $2,400 more annually than the national average rate.
- Make and model: Vans are some of the least expensive vehicles to insure. They’re big, they’re safe and they’re not a magnet for theft like sports cars can be.
- Location: It’s more expensive to insure vans in densely populated areas like big cities, or in places where there are high crime rates.
- Credit history: Insurers in some states consider your credit history when setting rates, as they use it to create an auto insurance score to estimate how likely you are to file a claim. You’re more likely to get lower rates with a high credit score. However, California, Hawaii, Michigan and Massachusetts prohibit this practice.
- Driving history: If you have speeding tickets and other moving violations in your driving history, you’ll usually pay more for van insurance.
How can I save on van car insurance?
The best way to save on van insurance is to shop around and get quotes from multiple insurers.
Harrison Kennard, a certified financial planner at Lakewood Wealth Management in Ann Arbor, Michigan, recommends his clients shop for insurance at least once a year.
“We always say get three quotes as a minimum,” he says. “With rates going up as much as they have, a lot of times people save thousands of dollars on insurance just by getting second opinions.”
Change your deductible
Another way to save money is to adjust your deductible higher. You can keep the same level of coverage but pay a little more out of pocket if something goes wrong. If nothing goes wrong, you pocket the savings for yourself.
Lower your risk
You can save money by being a safe driver with good credit. Lenders see drivers with this profile as being less risky, so work on improving your credit by paying your debts on time. To show you’re a safer driver, you can sign up for a telematics program, which uses a mobile app or car attachment to track your driving habits and lower your rates for safe driving.
Ask about discounts for van insurance
Always ask your insurer what discounts you may qualify for. Typical discounts for van insurance include:
- Bundling discounts for combining homeowners/renters with auto insurance
- Paid-in-full discount
- Autopay discount
- Paperless discount
- Good student discount
- Safe driver discount
Frequently Asked Questions: Cheap van insurance
Are cargo vans more expensive to insure than passenger vans?
Our study found that cargo vans were slightly less expensive to insure than minivans, at an average of $2,172 annually or $181 per month. However, the rate to insure cargo vans vs. passenger vans was virtually the same.
Is liability-only enough for an older van?
Liability-only insurance may be enough for an older van if you can afford to replace the vehicle and it’s not being financed. People often don’t find it worth carrying full coverage on older cars with high mileage.
However, there may be exceptions if you are a high-risk driver or live in a high-risk area. Be aware that if you choose state minimum liability insurance, you may expose yourself to high out-of-pocket costs if you cause injury, death, or damage in an accident.
Which insurance company offers cheaper van insurance?
Progressive offers the cheapest full coverage van insurance compared to other providers, with an average monthly premium of $159, or $1,904 annually. Other low-cost van insurance companies include Allstate, Farmers, Geico, Nationwide and State Farm.
Resources & Methodology
Methodology
CarInsurance.com analyzed rates collected from Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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