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Compare fleet van insurance

Insure several vans for your business while saving time and money.

A fleet van insurance policy offers all the protection of traditional commercial van insurance, but could save you the time of having to take out individual policies for each van one at a time. How each policy works varies by state and company, but basic levels and types of coverage can be compared across the board to give you a good idea of what’s best for your business.

How does fleet van insurance work?

Fleet van insurance is a subsection of commercial auto insurance and works by protecting multiple vans and drivers under one policy instead of having to take out separate policies. An insurance company will have its own guidelines as to the minimum and maximum number of vans that can be insured under a fleet policy.

With some commercial auto policies, drivers are allowed to drive every van insured under the policy. Other policies may not include this “any driver” coverage, so drivers will only be allowed to drive the vans they’re registered as a named driver for.

You’ll want to keep your insurer updated if you get new vans or drivers to make sure they’re fully covered.

Do I need fleet van insurance?

If you own more than one van that’s used for business purposes, you’ll need to get fleet van insurance. Examples of businesses that commonly need commercial fleet van insurance include:

  • Delivery businesses
  • Shipping businesses
  • Transportation companies
  • Construction companies
  • Electricians
  • Catering companies

What’s the difference between fleet van insurance and commercial van insurance?

Fleet van insurance is mostly the same as a standard single commercial van insurance policy. The main difference is that a fleet van policy can insure several, possibly even hundreds, of vans under one policy.

What van coverage do I need?

The minimum level of coverage for all drivers will vary based on where your business is based and where the vans will typically be going. Just like traditional commercial van insurance, fleet van insurance offers:

  • Bodily injury. You’re covered in the event that one of your employees injures someone while operating a company van.
  • Property damage. Property not owned by you is covered if your van is involved in an accident.
  • Collision. Damages from collisions with other vehicles and objects are covered under this.
  • Comprehensive. Provides coverage for noncollision damage, such as someone breaking in or a large tree branch falling on your van.
  • Personal injury. Your driver and any passengers get their medical bills paid for with this protection.
  • Uninsured and underinsured motorist. You’ll still receive compensation if another driver who is uninsured or underinsured is involved in a collision with one of your vans.
  • Rental coverage. Get the cost of rentals covered or reimbursed while your van is in the shop.
  • Roadside assistance. A tow or a jump can end up being pricey, so you may opt for coverage that includes roadside assistance to deal with these costs.

Compare fleet van insurance

Name Product AM Best financial rating Available states
Progressive commercial car insurance
All 50 states
Cover nearly any business vehicle from box trucks to limos with big savings from discounts, safety programs and a single deductible.
Not rated
All 50 states except Alaska & Hawaii
Compare multiple quotes for business auto insurance to find the cheapest rates from this online commercial insurance broker.
The Hartford commercial car insurance
All 50 states
The Hartford’s customized auto insurance policies protect your business fleet with well-rounded coverage and a safe driving program.
Allstate commercial car insurance
All 50 states
Customized, industry-specific polices like leased car coverage plus quick claims filing.
Liberty Mutual commercial car insurance
All 50 states
Take advantage of telematics to monitor and improve employees' driving and save on insurance premiums.

Compare up to 4 providers

How much does fleet van insurance cost?

It’s impossible to predict how much you’ll pay without getting a quote, because costs can vary wildly. Your premiums will be based on:

  • How many vans you’re insuring. The more vans you insure, the more you’ll pay — but the cost per van may go down as your fleet size increases.
  • Where you operate. You’ll pay more if you live in areas that have a lot of accidents or crime.
  • What types of vans you have. Large, powerful vans will cost more to insure than smaller vans with smaller engines.
  • How far you drive. The more you drive on a daily basis, the more you’ll pay.
  • Who your drivers are. You can save money by hiring drivers with safe driving records.

How can I get cheap fleet van insurance?

If you’re planning to insure several vans under one fleet van policy, a few simple tips may help with your decision:

  • Coverage levels. Check whether you can insure each van at different coverage levels if needed.
  • Features and benefits. Compare the features and benefits of fleet van insurance with separate van insurance policies.
  • Policy terms and conditions. Check the fine print to understand how you might be affected if one of the named drivers is involved in an accident. Will your no-claims bonus be affected? And if so, how?
  • Affordability. Can you afford to pay the insurance premiums for all the vans in one go? Consider your cash flow and how it’ll be affected by getting one bill at renewal rather than separate, smaller bills for each van.
  • Shop around. Do your research to see whether you’ll save any money with a fleet van insurance policy. In certain situations, you may end up paying more despite fleet van insurance seeming like a hassle-free option. However, keep in mind that the cheapest policy isn’t always the best policy so check the coverage details carefully.

Pros and cons of fleet van insurance


  • Save time by insuring ten or more vans under just one fleet van policy.
  • Renew the insurance for all your vans on the same date.
  • Add new vans and drivers quickly and easily as your fleet grows.


  • Young and inexperienced drivers as well as high-risk drivers will likely push the overall premiums up.
  • Paying for all of the insurance in one go can be a big financial hit.
  • The cost of fleet van insurance might not always be cheaper than individual van insurance policies.

What isn’t covered by standard fleet policies?

Since fleet van insurance is more or less the same as commercial van insurance, just expanded, you’ll find a lot of the same exemptions.

  • Driving while under the influence of alcohol or drugs
  • Driving a van that isn’t roadworthy
  • Driving without a valid licence or driving an unregistered van
  • Driving a van while it’s overloaded
  • Driving a van with damaged tires
  • Modifying a van without informing the insurer
  • Hiring out your van
  • Failing to report all accidents
  • Failing to update any personal details
  • Failing to pay for your premiums
  • Using the van for rideshare work

Bottom line

Fleet van insurance can tighten up an otherwise cumbersome part of managing your vehicles. Consider what it can save you in terms of cost and time and compare your options before taking out a policy to get the best coverage for your investments.

Frequently asked questions about fleet insurance

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