Carrying passengers is the most heavily scrutinized use of a vehicle. NEMT companies, shuttles, church and nonprofit vans, and tour operators all need commercial auto — and Medicaid transportation brokers and facilities usually set their own minimum limits.
Typical annual premium (planning range, not a quote)Roughly $4,000–$10,000+/yr per vehicle depending on capacity, limits, and stateRun the cost estimator →
Requirements to expect
- Auto liability limits set by your state and by your broker contract — $1,000,000 is common for NEMT.
- Interstate for-hire passenger carriers: $1,500,000 federal minimum for vehicles seating 15 or fewer (including the driver) and $5,000,000 for 16 or more.
- Uninsured/underinsured motorist and medical payments coverage for passengers.
- Professional or abuse/molestation coverage for NEMT and youth programs.
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Get quotesFrequently asked questions
Do church vans need commercial auto?
A van owned by a church or nonprofit is titled to an organization and carries passengers, so it's insured on a commercial auto policy. Volunteer drivers using their own cars create a hired & non-owned exposure as well.
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Reviewed October 2026. General information only — not insurance or legal advice. Coverage terms vary by insurer and state.