Cargo van insurance costs vary  WIDELY from state to state. Other factors that affect insurance cost include: driving record value of your unit radius of operation type of cargo and yes, credit   Read our list of 10 tips to reduce your commercial truck insurance rates. Or give us a call at (330) 864-1511 to run a preliminary quote to give you a ballpark number. It only takes 5 minutes and will be your most accurate guess before you take a leap.