Class 2 (under 10,000 lbs GVW) · 8,500–10,000 lbs
Sprinter vans, Ford Transits, RAM ProMasters, and other cargo vans under 10,000 lbs GVW are Class 2 commercial vehicles. They sit in a sweet spot for insurance: lighter and slower than box trucks (lower liability exposure), but commercial-use rating (higher than personal auto). This makes them the most cost-effective commercial vehicle for many last-mile delivery operations, mobile-service businesses (plumbers, HVAC, IT field service), and small-scale courier work.
$1,800–$3,500 per year per van (single van, $1M primary liability, $25K cargo, $500 deductible physical damage on $40K stated value, local radius).
If the van is used for business — even part-time delivery or mobile service — most personal auto carriers will deny a claim because the policy excludes commercial use. You need a commercial auto policy. The premium difference is real but the coverage gap on personal auto is catastrophic.
Yes. Adding additional vans to a single policy is the standard approach for delivery fleets — fleet rating starts at 5+ units with most carriers. Each van is scheduled with VIN, year, make, model, and stated value.
Class. Sprinter and most cargo vans are Class 2 (under 10K lbs GVW), rated as light commercial. Box trucks start at Class 5 (16K+ lbs GVW), rated as medium commercial. Same liability limit costs significantly less on a Sprinter because the exposure (weight, speed, kinetic energy in a crash) is much lower.
Tell us about your vehicle and how you use it — we'll come back with quotes from the carriers that fit your class best.
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