How does age affect the cost of van insurance?

Drivers under 21 typically paid around 4 times as much for van insurance as drivers aged 40 to 49 across all policies in the twelve months to 30 September 2026. Across all policies, drivers aged 21 to 24 typically paid around twice as much as drivers aged 40 to 49, and drivers aged 25 to 29 around 33% more. In every band from 50 to 59 upwards, drivers typically paid less than drivers aged 40 to 49, across all policies and like for like.

How much does van insurance cost at each age?

Across all policies, drivers under 21 typically paid around 4 times as much as drivers aged 40 to 49 in the twelve months to 30 September 2026. Like for like, drivers under 25 taken together typically paid around twice as much as drivers aged 40 to 49. Like for like compares only policies for own goods use with comprehensive cover, so that what the van is used for and the level of cover are the same for every age group compared. Inside that group there were too few policies for drivers under 21 to show that band on its own, so the like for like column combines under 21 with 21 to 24. The table shows every age band compared with drivers aged 40 to 49, across all policies and like for like.

Figures are based on a twelve month sample of UK van insurance policies arranged through the VanCompare panel, covering 1 October 2025 to 30 September 2026. Each figure is the median for that group, chosen so a small number of very high premiums does not distort the picture. These are comparisons between groups rather than tests of one factor in isolation, so groups can differ in more than the factor named. Individual prices depend on individual circumstances and the price you are quoted may differ.

How much is van insurance for young drivers?

Across all policies, drivers aged 21 to 24 typically paid around twice as much as drivers aged 40 to 49 in the twelve months to 30 September 2026, and drivers aged 25 to 29 around 33% more. Like for like, drivers aged 25 to 29 typically paid around 32% more than drivers aged 40 to 49, and drivers under 25 taken together around twice as much. The gap to drivers in their forties was widest before 25 and narrowed through the twenties and thirties, across all policies and like for like.

Our guide to van insurance for young drivers has more on what young drivers can do, and drivers under 25 can compare quotes through our under 25 van insurance page.

At what age does van insurance get cheaper?

Across all policies, the typical premium at 23 was around 22% lower than at 22 in the twelve months to 30 September 2026, and at 24 around 21% lower than at 23. The fall from 22 to 23 was the largest single-year fall between 21 and 34 across all policies, and the largest between 22 and 34 like for like, where the typical premium at 23 was around 23% lower than at 22. The table shows the change in the typical premium from one age to the next, across all policies.

In the twelve months to 30 September 2026, the typical premium at 34 was around 59% lower than at 21 across all policies, more than half. Like for like, the typical premium at 34 was around 56% lower than at 22, more than half. The fall was not a straight line. After 24 the single-year changes were smaller, across all policies and like for like. Across all policies, the typical premium at 28 was around 1% higher than at 27, and at 30 around 2% higher than at 29.

Do older drivers pay less for van insurance?

Yes: in the twelve months to 30 September 2026, every age band from 50 to 59 upwards typically paid less than drivers aged 40 to 49, across all policies and like for like. Drivers aged 50 to 59 typically paid around 19% less than drivers aged 40 to 49 across all policies, and around 17% less like for like. Drivers aged 60 to 69 typically paid around 34% less than drivers aged 40 to 49 across all policies, and around 30% less like for like. Drivers aged 70 and over typically paid around 38% less than drivers aged 40 to 49 across all policies, and around 27% less like for like.

Across all policies, drivers aged 70 and over typically paid the least of any age group in the twelve months to 30 September 2026. Like for like, drivers aged 60 to 69 typically paid the least.

Drivers aged 60 and over can compare quotes through our van insurance over 60 page. Whatever your age, class of use is declared, not chosen: your class of use must match what the van is actually used for, whether that is social, domestic and pleasure, own goods or hire and reward. Our guide to classes of use for van insurance explains what each class covers.

FAQs

How much more do drivers under 21 pay for van insurance?

Drivers under 21 typically paid around 4 times as much as drivers aged 40 to 49 across all policies in the twelve months to 30 September 2026. Like for like, drivers under 25 taken together typically paid around twice as much as drivers aged 40 to 49.

Is van insurance cheaper once you turn 25?

Across all policies, the typical premium at 25 was around 5% lower than at 24 in the twelve months to 30 September 2026; like for like, the typical premium at 25 was around 6% lower than at 24. The larger falls came earlier, between 22 and 24, across all policies and like for like.

Does van insurance keep getting cheaper after 30?

From 30 to 34 the typical premium was lower at every age than at the age before, across all policies and like for like, in the twelve months to 30 September 2026. Across all policies, the typical premium at 31 was around 3% lower than at 30, at 32 around 2% lower than at 31, at 33 around 1% lower than at 32 and at 34 around 3% lower than at 33.

Do drivers aged 70 and over pay less for van insurance than drivers in their sixties?

Across all policies, yes: drivers aged 70 and over typically paid around 38% less than drivers aged 40 to 49 in the twelve months to 30 September 2026, and drivers aged 60 to 69 around 34% less. Like for like, drivers aged 60 to 69 typically paid the least, around 30% less than drivers aged 40 to 49, with drivers aged 70 and over at around 27% less.

How much more do drivers in their thirties pay for van insurance than drivers in their forties?

Drivers aged 30 to 39 typically paid around 15% more than drivers aged 40 to 49 across all policies in the twelve months to 30 September 2026, and around 13% more like for like.

How much lower is van insurance at 34 than in your early twenties?

In the twelve months to 30 September 2026, the typical premium at 34 was around 59% lower than at 21 across all policies, more than half. Like for like, the typical premium at 34 was around 56% lower than at 22, more than half.

Bottom line

Whatever your age, the details on your quote need to be accurate. Your class of use must match what the van is actually used for, and the same goes for every other fact you declare.

If you are under 25, compare again at every renewal rather than letting a policy roll over, because your age at renewal is one of the details every insurer prices on. The same applies at every age: a price that suited you a few years ago may not be the right one now.

To see prices for your own age, van and use, compare van insurance quotes.