Bodily injury liability
Covers medical care for someone injured in an at-fault accident.
Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure
If you have an older van that you use for day-to-day getting around, you can save money by getting a policy with the minimum required coverage. But if you have a newer or customized van, it might be worth it to get coverage that’ll protect your investment.
Yes, nearly every state requires you to either have insurance or prove you can pay for damages after an accident. While each state sets their own insurance laws, necessary coverage will include some combination of:
Covers medical care for someone injured in an at-fault accident.
Covers repairs to someone else’s car, home or property in an accident you cause.
Covers healthcare and lost income after an accident regardless of fault.
Covers damage caused by a driver without enough coverage to pay for costs.
Buying additional coverage beyond your state’s required minimums can help protect both you and your van after an accident.
Pays to repair or replace your car after an accident.
Covers anything other than a collision, such as vandalism, theft and weather.
Pays the remainder of your car loan if your car is totaled.
Pays for a rental car if your van is damaged in an accident.
Call for a tow, jump or roadside help if your car breaks down.
Get a new car if your vehicle is totaled or stolen.
Helps with medical costs after a car accident, no matter who’s at fault.
Covers vet bills if your pet gets hurt in a car accident.
If you live in your van, designed the interior yourself or have customized it in any way, there are a few specialized things you should look for in a policy:
To save on your van insurance without sacrificing coverage you need:
Compare car insurance for popular vans and minivans and get customized insurance rates and coverage to consider.
There are a number of factors that go into how your insurer calculates your premiums, including:
Black box or telematics van insurance policies are available to most drivers and will usually see monthly premiums calculated based on real data collected about a driver’s current performance.
Black box van insurance customers must first have a black box device fitted into their van, which uses GPS technology to continually monitor the driver’s performance, braking habits, speed, distance traveled and which roads are taken. Insurers use that driving information to decide your insurance rate. Safer drivers pose less of a risk so they pay less for car insurance.
If you’re a safe and careful driver despite being young or inexperienced, telematics insurance could help to save you money. Similarly, if you’re a high risk driver of any age, a black box policy could help to prove to your insurance provider that you’re a good driver. Getting black box insurance lets you take control of your driving and prove your worth to your insurer, which could translate into cheaper insurance.
Benefits of a telematics van insurance policy include:
Vans often come with special insurance requirements, but that doesn’t mean they’re hard to insure. And if you take advantage of available discounts and compare insurance providers, they don’t have to be expensive either.
See why Colorado’s car accident deaths are up 39%, based on NHTSA crash data.
Find out gas costs based on your city, state or make and model.
Get the scoop on Utah’s latest car crash stats, plus the factors involved.
Trek through 10 factors that affect car insurance costs and which states have the best and worst affordability.
Compare 19 usage-based insurance companies and their key features side by side.
See real prices from brand name insurance companies in this site’s user-friendly quote tool.
Take care when driving in Texas, the deadliest US state for car accidents.
Dive into statistics about fatalities and the types of accidents happening in New York.
Compare car insurance rates and features that serve Stockton.
California is one of the deadliest states in the US for car accidents. No joke.