What commercial vehicle insurance is required in Virginia?

Virginia requires liability coverage on every registered vehicle, and as of January 1, 2025 the state minimum is 50/100/25 ($50,000 bodily injury per person, $100,000 per accident, $25,000 property damage). Commercial operators almost always carry substantially higher limits, and motor carriers hauling for hire or operating in interstate commerce often need federal filings such as the MCS-90 endorsement and FMCSA authority. The right limits depend on your vehicle weight, cargo, and where you operate. Our licensed advisors can confirm exactly what your operation needs.

How much does commercial truck insurance cost in Virginia?

Premiums depend on your vehicle type and weight class, your radius of operation, the limits you carry, your loss history, and the driving records of everyone behind the wheel. A local contractor van running short routes around Fairfax will price very differently from a tri-axle dump truck hauling long-haul or a tow operator on call statewide. Because we are an independent agency, we compare options across multiple carriers to find the right fit rather than quoting a single rate. Call (703) 551-2000 and we can talk through the factors that apply to your operation.

Buses & Motor Homes

Virginia Bus Insurance

Buses carry more passengers than any other vehicle on the road, and the liability exposure scales with every seat. We write Virginia commercial coverage for charter buses, transit buses, and employer shuttles with limits that match the risk.

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What Bus Insurance Covers

Commercial auto liability is the primary coverage, and the per-occurrence limits must be adequate for a bus full of passengers. FMCSA requires for-hire carriers operating buses with seating for 16 or more passengers (including the driver) to maintain a minimum of $5 million in liability.

Physical damage covers the bus chassis and body. Uninsured and underinsured motorist coverage protects passengers when another driver is at fault. Medical payments provides first-party coverage for passenger injuries regardless of fault.

Commercial auto liability (up to $5M for large buses)
Physical damage
Uninsured/underinsured motorist
Medical payments for passengers

Bus Types We Insure

We insure over-the-road motor coaches, smaller transit buses, minibuses (15–30 passengers), cutaway buses, double-decker charter buses, and commuter shuttle buses. Note: under Progressive's program, church-owned vehicles that transport passengers to and from home and school/daycare are not eligible.

FMCSA and Virginia Requirements for Bus Operations

For-hire bus operators in interstate commerce are regulated by FMCSA under 49 CFR 365. Buses designed for 16 or more passengers need operating authority and must maintain $5 million in liability. Buses designed for 15 or fewer passengers need $1.5 million. Virginia intrastate for-hire passenger carriers follow tiered minimums of $350,000 for one to six passengers, $1.5 million for seven to 15, and $5 million for 16 or more, plus for-hire vehicle registration.

What Affects Your Bus Premium

Seating capacity, for-hire vs. employee-only use, operating territory, driver qualifications, and prior loss history all affect pricing. Charter and tour bus operations are rated differently than fixed-route transit operations.

How to Get a Bus Insurance Quote

Have your bus details, seating capacity, driver list, use description, and prior insurance history ready. Call (703) 551-2000 or request a quote online.

FAQ

Bus Insurance FAQs

What commercial vehicle insurance is required in Virginia?: Virginia requires liability coverage on every registered vehicle, and as of January 1, 2025 the state minimum is 50/100/25 ($50,000 bodily injury per person, $100,000 per accident, $25,000 property damage). Commercial operators almost always carry substantially higher limits, and motor carriers hauling for hire or operating in interstate commerce often need federal filings such as the MCS-90 endorsement and FMCSA authority. The right limits depend on your vehicle weight, cargo, and where you operate. Our licensed advisors can confirm exactly what your operation needs.
How much does commercial truck insurance cost in Virginia?: Premiums depend on your vehicle type and weight class, your radius of operation, the limits you carry, your loss history, and the driving records of everyone behind the wheel. A local contractor van running short routes around Fairfax will price very differently from a tri-axle dump truck hauling long-haul or a tow operator on call statewide. Because we are an independent agency, we compare options across multiple carriers to find the right fit rather than quoting a single rate. Call (703) 551-2000 and we can talk through the factors that apply to your operation.

Written & reviewed by

Cascade Commercial Lines Team

Licensed Commercial Insurance Advisors, Cascade Insurance Group

The Cascade Trucks Insurance team is the commercial lines division of Cascade Insurance Group, an independent agency based in Manassas, Virginia. Our licensed advisors place commercial auto, trucking, and fleet coverage for Virginia operators every day, working across multiple carrier partners to match dump truck, tow truck, contractor, and livery businesses with the right protection. The guides we publish reflect day-to-day experience with Virginia DMV requirements, FMCSA filings, and the coverages that keep commercial vehicles compliant and on the road.

Licensed property & casualty advisors in Virginia
Commercial auto, trucking & fleet specialists
Independent agency representing multiple carriers
Based in Manassas, VA, serving operators statewide

Last reviewed: 2026-06-11

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