The minimum amount of liability coverage required for drivers in Virginia is 30/60/20.
This means, $30,000 per person, up to $60,000 per accident for bodily injury or death. Property damage coverage is up to $20,000 per accident.
Uninsured/Underinsured Motorist coverage and Personal Injury Protection is optional. If you choose to not carry those coverages, you will need to sign a rejection form.
Drivers are able to adjust their liability coverage to higher limits, which will better protect them in an accident for which they are found liable for. If you do not carry adequate liability limits to match your assets, you could risk the possibility of being sued if your limits aren’t able to cover the accident appropriately.
Motorcycle Insurance Virginia: Which Companies Offer It?
There are many Insurance companies that offer motorcycle insurance, such as Geico, Progressive, Dairyland, and Allstate.
All of these companies have been around for years and specialize in these types of products!
When choosing an insurance company to purchase a policy with, make sure to explore other lines of insurance to make sure you are getting the best, cheapest price possible.
Many of these companies are able to insure not only your motorcycle, but your auto and home too. By bundling your products together, you are maximizing your discounts and saving the most money you can by keeping your prices affordable.
Coverage Options for Motorcycle Insurance Virginia Policies
Luckily, motorcycle insurance is very customizable, which helps to keep your premium cheap.
If you only need liability coverage on an older bike you may have purchased out right, you can leave all the extras off and only pay for what you need.
Maybe you do not necessarily want full coverage, and the cost that may come with it, but you are interested in Roadside or Trip interruption. You are able to add these coverages to your policy for a matter of dollars extra, or free of charge depending on the company, and still be considered liability insurance.
If you are financing a motorcycle that may require you to carry full coverage insurance, no worries – we got your back! With all the available discounts offered, we can still find you an affordable price on full coverage.
| Motorcycle Insurance Virginia: Coverage Options |
|---|
| Roadside/Trip Interruption |
| Optional Equipment |
| Guest Passenger Liability |
| Uninsured Motorist Property damage |
| Trip Interruption |
| Physical Damage Plus |
| Transport Trailer Coverage |
| Rental Reimbursement |
| Liability |
| Carried Contents |
| Collision |
| Roadside |
| Uninsured Motorist Bodily Injury |
| Diminishing Deductible |
| Comprehensive |
| Safety Riding Apparel |
Motorcycle Insurance Virginia: Motorcycle Laws You Need to Know
- All drivers under age 18 in Virginia are required to wear helmets, and encouraged to wear eye protection.
- You must have working turn signals and a rearview mirror as well as daytime headlights.
- You must carry at least the State Minimum Insurance requirements in Virginia to be legal on the road and have your motorcycle titled and registered in your name.
- In order to obtain a motorcycle license, or permit, you must pass a written exam and pay any applicable fees. Check with your local DMV to see if you can schedule an appointment for licensing online.
Discounts to Ask Your Agent About
Discounts to inquire about are bundle discount, auto pay/eft discount, paperless, pay in full, advanced quoting, continuous insurance discount, multiple motorcycles, safety course completion, rider affiliation group, and several other discounts!
A Pay in full discount would mean you are paying for the entire premium up front (which is very inexpensive for motorcycle insurance) and can lead to great savings. Also, you do not have to worry about another monthly bill, which is nice.
If you can’t afford a full payment, you can opt to do auto pay, which generally saves $5-$7 a month alone.
There are other discounts that are automatically applied to the quote, such as advanced quoting, multiple products, and continuous insurance.
You may not need to ask your agent about these discounts, as a good agent is trained to do this on their own(but always ask just in case they forget!).
| Motorcycle Insurance Virginia: Discount Types |
|---|
| MC Endorsement on License |
| Vehicle Usage & Mileage |
| Homeownership Discount |
| PIF Discount |
| Responsible Driver |
| Married Discount |
| Prior Insurance |
| Paperless |
| Operators Safety Course |
| EFT Discount |
| HOG Discount |
| Prompt Payment |
| Motorcycle Rider Group Discount |
| Association Membership |
| Anti Lock Brakes |
| Years of Riding Experience |
| Advanced Quote |
| Continuous Insurance Discount |
| Garaged or Locked Storage |
| Multi Lines Discount |
| Operator’s Education Course |
| Multi Policy |
| Approved Safety Course |
| Education Discount |
Don’t miss out on these motorcycle insurance discounts!
Best Rates for Liability Only Coverage
When purchasing a motorcycle, a good rule of thumb even for auto products, is to consider the age and value of the bike.
- If a bike is over 10 years of age, it may be most cost effective to carry liability only coverage.
- A new bike may require full coverage, that way it is completely covered in the event it is damage or totaled in an accident.
Once a bike reaches a certain age, the value of it goes down and the cost for full coverage may be more expensive over time than the true value of the motorcycle.
Liability coverage is generally very cheap, and on average customers can pay as little as $5 a month, depending on their location and the bike (year, make, model, etc).
| City in Virginia | Avg. Liability Rates |
|---|---|
| Dale City | $134.00 |
| Waynesboro | $127.00 |
| Blacksburg | $114.00 |
| Norfolk | $100.00 |
| Virginia Beach | $130.00 |
| Buckhall | $134.00 |
| Cave Spring | $107.00 |
| Brambleton | $96.00 |
| Christiansburg | $134.00 |
| Mechanicsville | $101.00 |
| Ashburn | $127.00 |
| Hopewell | $120.00 |
| Meadowbrook | $122.00 |
| Suffolk | $108.00 |
| Tysons | $131.00 |
| Alexandria | $102.00 |
| McNair | $135.00 |
| Idylwood | $101.00 |
| Burke Centre | $105.00 |
| Harrisonburg | $118.00 |
| Richmond | $118.00 |
| Bailey’s Crossroads | $132.00 |
| Portsmouth | $127.00 |
| Staunton | $100.00 |
| Manassas | $109.00 |
| Danville | $125.00 |
| Hampton | $121.00 |
| Lake Ridge | $105.00 |
| Herndon | $119.00 |
| Roanoke | $109.00 |
| Centreville | $116.00 |
| Chester | $103.00 |
| West Falls Church | $118.00 |
| Chantilly | $119.00 |
| Salem | $129.00 |
| Sudley | $130.00 |
| Rose Hill | $117.00 |
| Springfield | $112.00 |
| Cherry Hill | $108.00 |
| Annandale | $109.00 |
| Merrifield | $122.00 |
| Bon Air | $97.00 |
| Leesburg | $102.00 |
| McLean | $106.00 |
| Radford | $127.00 |
| Short Pump | $118.00 |
| Sterling | $117.00 |
| Chesapeake | $118.00 |
| Linton Hall | $120.00 |
| Newport News | $99.00 |
| Neabsco | $113.00 |
| Lorton | $112.00 |
| Reston | $117.00 |
| Marumsco | $123.00 |
| Kingstowne | $116.00 |
| Laurel | $125.00 |
| Winchester | $105.00 |
| Oakton | $112.00 |
| Lincolnia | $131.00 |
| Culpeper | $107.00 |
Most Affordable Full Coverage Options for Motorcycle Insurance in Virginia
Full coverage may be needed if you are financing or making payments on a newer motorcycle. Comprehensive coverage will cover things like theft, vandalism, and impact with an animal. While, Collision coverage covers an impact with another vehicle or object. When you choose full coverage, you can pick your deductible, which will help determine the overall cost of your premium.
A higher deductible means lower premium, lower deductible would mean, higher premium. The deductible is what you would be responsible for paying in the event of an accident/claim, if you were found at fault.
Since motorcycle insurance is very affordable to begin with, the difference in price with the deductibles may not be much at all.
| City in Virginia | Average Full Coverage |
|---|---|
| Tysons | $212 |
| Leesburg | $178 |
| Mechanicsville | $222 |
| Salem | $205 |
| Idylwood | $189 |
| Brambleton | $181 |
| Hampton | $223 |
| Cave Spring | $233 |
| Christiansburg | $199 |
| Charlottesville | $208 |
| Harrisonburg | $213 |
| Herndon | $213 |
| Oakton | $185 |
| Burke | $188 |
| Sudley | $218 |
| Buckhall | $236 |
| Radford | $181 |
| Lincolnia | $238 |
| Cherry Hill | $210 |
| Montclair | $197 |
| Fairfax | $197 |
| Laurel | $213 |
| Chester | $175 |
| Dale City | $198 |
| Staunton | $203 |
| South Riding | $186 |
| Kingstowne | $215 |
| West Springfield | $213 |
| Tuckahoe | $209 |
| Roanoke | $214 |
| Meadowbrook | $238 |
| Hopewell | $230 |
| Sterling | $219 |
| Culpeper | $208 |
| West Falls Church | $211 |
| Fredericksburg | $195 |
| Waynesboro | $197 |
| Linton Hall | $181 |
| Rose Hill | $200 |
| Danville | $207 |
| Virginia Beach | $238 |
| Ashburn | $195 |
| Franconia | $238 |
| Springfield | $202 |
| Lynchburg | $200 |
| Portsmouth | $204 |
| Richmond | $235 |
| Suffolk | $214 |
| Woodlawn CDP | $213 |
| Petersburg | $239 |
| Bailey’s Crossroads | $216 |
| McNair | $229 |
| Arlington | $207 |
| Chantilly | $215 |
| Short Pump | $206 |
| Merrifield | $212 |
| McLean | $191 |
| Winchester | $178 |
| Newport News | $202 |
Motorcycle Insurance Virginia: How do You Get a Motorcycle License?
In order to get a motorcycle license in Virginia, you must have a current Virginia drivers license, or permit.
You can either take a written exam, or pass a driving course approved by the state.
Safety courses are additional classes you are able to take if you wish, and they can often lead to great discounts on your insurance policy.
Once you’ve passed your exam or driving test, you will be issued a Motorcycle license.
Make sure to bring all proper documentation providing your residency, along with any fees associated with the application.
Motorcycle Insurance Virginia: Rating Factors that affect Your Insurance Premiums
The main factors that determine motorcycle insurance premiums are the type of motorcycle (year, make, model, CC size). The drivers experience will determine the price, such as their age, gender, marital status, driving experience and whether or not they have a history of safe driving, or if they have any violations. Another factor in the price determination is the area that you live in, and the amount of accidents, claims, and uninsured drivers in that area.
A smaller city with fewer drivers, will result in cheaper insurance prices. You can do your part by driving safe on the road at all times, and help keep insurance premiums low and affordable for everyone. If you have received any violations, such as accidents or tickets, you can take a driving course which may help reduce the amount of points on your license.
| Motorcycle Insurance Virginia: Rating Factors |
|---|
| Occupation |
| Credit |
| Rider Age |
| Driving History |
| Gender |
| Coverages |
| Year (Make / Model) |
| Location |
| Riding Frequency |
| Rider Experience |
| Type of Bike (Engine Size) |
Safety Tips For Riding Your Motorcycle
Safety is number 1 priority while operating a motorcycle, or even riding as a passenger.
Motorcyclist can be hard to see at times because of blind spots on the road, which can lead to crashes and fatalities. So always make sure you are doing your best to remain visible!
It is important to educate yourself as a motorcyclist to understand the dangers and what you can do to always drive defensively and protect yourself.
Before taking off for a ride, make sure to check the weather conditions and prepare yourself for the unexpected.
Keep all documentation with you, such as drivers license, registration, and insurance ID cards.
Make sure you do a thorough check of the bike before each trip, ensuring the tire pressure is good, headlights, taillights, blinkers, and breaks are all working properly.
Always use turn signals while operating, and maintain a safe speed and distance between others on the road.
Safety riding courses are always available, and always recommended even for experienced drivers.
Motorcycle Insurance Virginia: Frequently Asked Questions
- What is the best insurance for motorcycles?
Dairyland Insurance is best for sports bikes, and progressive is cheapest for Harleys or classics.
- Is motorcycle insurance required in Virginia?
Yes, by Virginia law, you must carry at least the minimum liability limits.
- Is motorcycle insurance worth it?
Yes, not only is it required, motorcycle insurance is worth it.
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|---|
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Last Updated on by Veronica Moss