Can An LLC Own A Vehicle And Use Personal Auto Insurance? 
Typically no , however their are some companies that will write the LLC on a personal policy . First ask yourself why you would want a personal policy instead of a commercial policy when you are trying to separate liability . You can purchase commercial policies in various increments starting at $ 100,000 in coverage . This premium should be commensurate with a personal policy premium . Also , a commercial policy will allow for more drivers to be listed on the policy and provide coverage for all the members of the LLC . Ask your accountant why the LLC would want to own the vehicle ? Then get with your insurance agent to find the best coverage for you which will include a risk assessment on what you have to lose . Example , you have $ 200,000 worth of equipment in that van , where is the coverage for the destruction of that equipment ? Personal policies will look to your home or renters insurance , whereas a commercial policy can include coverage for transportation to and from the events . Personal policy maybe cheaper , but it may also not cover you for an accident . 