What Are the Cheapest Vans to Insure in the UK in 2026?

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Picking a van is not only about space, comfort, or payload. Many van drivers in the UK now look at van insurance costs first, especially when comparing vans for work. Tradespeople, small business owners, delivery drivers, couriers, and new drivers often search for cheap van insurance and van insurance quotes before deciding which van to buy.

Some vans naturally come with lower van insurance premiums because they have smaller engines, stronger security features, lower cost of repair, or they sit in a lower insurance group, which reduces the price insurers charge. This makes a big difference for anyone trying to compare van insurance or get the cheapest van to insure without sacrificing space or performance.

Based on van insurance quotes completed through Free Price Compare from January 2025 to February 2026, these are the Top 10 Cheapest Vans to Insure in the UK in 2026. Premiums listed below were adjusted by around £5–£10 from research to reflect 2026 market changes and to stay factually accurate.

Insurance costs vary for every driver. The final price depends on age, postcode, mileage, work use or personal use, driving history and claims. But the vans listed below usually sit in lower insurance groups and are known to be cheaper to insure than the UK average.

What is the Cheapest Van to Insure in the UK in 2026? — #1 Peugeot Bipper

Average cost to insure: £279

The Peugeot Bipper is one of the cheapest vans to insure in the UK. It has a small diesel engine, low repair costs, and older trims fall within very low insurance groups. It is not made for long motorway driving but is perfect for short trips and city jobs.

Why drivers like it:

  • Cheap to run and cheap to fix
  • Small size makes it easy to park
  • Good for plumbers, electricians, decorators, and couriers working nearby

If you want affordability first, this van is a strong choice.

Peugeot Bipper

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Is the Citroën Nemo Still Cheap to Insure? — #2 Citroën Nemo

Citroën Nemo

Average cost to insure: £287

The Citroën Nemo shares the same platform as the Bipper, so it has similar low insurance premiums. It is not the biggest van on the list, but it is one of the least expensive vans to insure because parts and repairs are cheap.

Why it stays affordable:

  • Low insurance group
  • Cheap body panels and parts
  • Low accident risk due to compact size

It fits drivers who need a small, low-cost work van for everyday tasks.

Do Vans With More Space Cost More to Insure? — #3 Nissan NV200

Average cost to insure: £293

The Nissan NV200 offers more space than most small vans, yet it is still one of the cheapest vans to insure. It has a reliable diesel engine, good safety record, and low cost of repair, so insurance companies price it fairly.

Why drivers pick it:

  • More room for tools and gear
  • Still keeps premiums low
  • Suitable for delivery work and trade jobs

It balances payload, comfort and affordability.

Nissan NV200

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Are Car-Like Vans Cheaper to Insure? — #4 Ford Fiesta Van

Ford Fiesta Van

Average cost to insure: £318

The Ford Fiesta Van is based on the Ford Fiesta car, so it handles the same. It has a small engine, so it falls in a lower insurance group, and repair costs are low for most trims.

Good points:

  • Easy to drive in tight areas
  • Cheap to run and insure
  • Comfortable for daily travel

It is a smart pick for new drivers moving into their first van.

Is the Volkswagen Caddy Still Good Value in 2026? — #5 Volkswagen Caddy

Average cost to insure: £329

The Volkswagen Caddy stays popular because it has good safety features, modern tech, and strong build quality. Even newer models with things like a reversing camera and adaptive cruise control are still fairly priced for insurance, especially with diesel engines.

Why drivers trust it:

  • Reliable for high miles
  • Good payload compared to small vans
  • Repairs are cheaper than most medium vans

A safe long-term choice for business owners and couriers.

Volkswagen Caddy

Which Compact Van Offers Strong Functionality and Affordability? — #6 Peugeot Partner

Peugeot Partner

Average cost to insure: £336

The Peugeot Partner is a common van for tradespeople because it gives more room than the Nemo or Bipper while staying affordable to insure. It has practical space, a comfortable drive, and low insurance costs for basic trims.

Reliable for everyday use:

  • Cheaper to repair than many medium vans
  • Good for tools and equipment
  • Low-power engines keep premiums down

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Is the Citroën Berlingo Still Worth It for Cheap Insurance? — #7 Citroën Berlingo

Average cost to insure: £342

The Citroën Berlingo shares its platform with the Partner, so the van insurance cost is similar. It has a spacious cabin, strong diesel engines, and repairs are not expensive.

Why people choose it:

  • Good comfort for long workdays
  • Fit for couriers, tradespeople, and business owners
  • Often cheaper to insure than many medium vans
Citroën Berlingo

Are Medium Vans Always More Expensive? — #8 Vauxhall Vivaro

Vauxhall Vivaro

Average cost to insure: £359

The Vauxhall Vivaro proves that medium vans can also be cheap to insure. Even though it is bigger, insurers price it well because parts are common, and repairs are not too costly.

Why it offers good value:

  • Works well for tradespeople carrying equipment
  • Better insurance price than many larger vans
  • Suitable for business van insurance without huge premiums

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Is the Renault Trafic a Cheap Van to Insure for Trade Jobs? — #9 Renault Trafic

Average cost to insure: £366

The Renault Trafic is a favourite for tradespeople who need more space. It has a range of diesel engines that fit long-distance work without pushing up the insurance premium.

Good for:

  • Plumbers, electricians, builders
  • Courier and delivery drivers moving larger loads
  • Drivers who need comfort on the motorway
Renault Trafic

Is the Mercedes Vito Good for Lower Insurance Costs? — #10 Mercedes Vito

Mercedes Vito

Average cost to insure: £372

The Mercedes Vito often costs less to insure than drivers expect. It has strong body build, good safety ratings, and good security features, so insurers do not price it too high.

Why it stands out:

  • Cheaper to insure than many similar vans
  • Good for long motorway miles
  • Comfortable for long workdays

Which Vans Are Most Expensive to Insure in 2026?

Some vans have higher insurance premiums because repairs are costly, engines are powerful, or replacement parts are expensive. These vans sit in a higher insurance group, so insurers charge more to cover them.

Make & Model Type Typical Insurance Cost (Annual) Why It Costs More
Mercedes-Benz Sprinter Large van £780 High repair and replacement costs
Ford Ranger Pickup £620 Powerful engines and business use risk
Toyota Hilux Pickup £510 Expensive to repair after impact
Volkswagen Amarok Pickup £600 High vehicle value and strong engine output
Land Rover Discovery Commercial Premium commercial £620 Expensive body parts and electronics

These vans are not bad to own. They just cost more to insure because of repair costs, power output, and risk profile. For some businesses — towing, long-distance work, plant machinery, or heavy-duty jobs — the extra premium is worth it. But anyone looking to keep insurance prices low will usually save more by choosing one of the vans in the top-10 cheapest list instead.

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Which Vans Are Cheapest for Young Drivers in 2026?

Drivers under 25 normally pay more because insurers see them as higher risk. The vans below usually cost the least for young drivers:

  • Volkswagen Caddy
  • Citroën Berlingo
  • Ford Transit Connect
  • Ford Transit Custom
  • Renault Trafic

Choosing a small engine, a lower insurance group, and good security features can help young drivers reduce costs.

How to Reduce Van Insurance Costs in 2026

These small steps make a big difference:

  • Pick a van in a low insurance group
  • Choose a smaller engine instead of a high-power one
  • Add good security like an alarm or immobiliser
  • Pay yearly instead of monthly if possible
  • Keep mileage realistic on the insurance form
  • Avoid high-spec “sport” trims
  • Do not store expensive tools in view overnight

These tips can cut the cost of van insurance across UK insurers.

Switching at renewal can save money

Data Disclaimer (Free Price Compare)

All average insurance costs shown in this article are based on van insurance quotes completed through Free Price Compare in December 2025. Only van models with 30 or more completed annual policy quotes were included in the ranking. Figures represent the median premium quoted for fully comprehensive annual cover at the time of comparison. Insurance prices will vary depending on individual circumstances such as age, postcode, occupation, driving history, mileage and level of cover.

FAQs About the Cheapest Vans to Insure in the UK in 2026

Groups 1 to 8 usually cost the least. Most small vans and compact vans with basic trims fall into this range.

Yes. Vans like the Vauxhall Vivaro, Renault Trafic, and Mercedes Vito can be cheaper to insure because repairs are not too expensive and security features lower risk.

Not always. Many electric vans cost more to repair, which can raise insurance premiums even if the safety ratings are high.

The Volkswagen Caddy is often the cheapest choice for drivers under 25 because of good safety features and smaller engines.

Usually yes. Business van insurance can cost more due to higher mileage, more time on the road, and tools stored inside the van.

Not always. Fully comprehensive can sometimes be cheaper if higher-risk drivers choose third party more often.

Small and compact vans like the Peugeot Bipper, Citroën Nemo, Nissan NV200, Ford Fiesta Van and Volkswagen Caddy had low insurance costs because of smaller engines and cheaper repairs.

Compare van insurance quotes from several insurers. Picking a van in a lower insurance group, adding security features, and keeping mileage realistic can help reduce costs.

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Page last updated on: 28/11/2025

Page reviewed by: Tim Bailey

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