I’m looking into my whole junk removal idea some more, and I think the best option for a vehicle is a daycare bus with a wheelchair lift for the heavier items. ~$5000 for a spacious van with a large rear door is easily the second-best bang for your buck if you want space, only being beaten by a full-size bus. (Which is too big for comfort, for me)
But anyway, I can’t find any estimates for the average insurance cost of one. I’m guessing it’s higher than a normal car, of course, but how much higher?