Virginia Business Passenger Car Insurance
A personal auto policy won't cover your employees driving company sedans to client meetings or sales calls. We write Virginia commercial auto coverage for passenger cars used for business.
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Business Passenger Car Insurance overview
What Business Passenger Car Insurance Covers
Commercial auto liability is the key coverage, paying for bodily injury and property damage caused during business driving. Physical damage covers the car itself. Hired and non-owned auto extends coverage to rented cars and employees' personal vehicles used for business.
Company cars driven by employees need to be on the commercial policy, not on individual employees' personal policies, to ensure consistent coverage.
- Commercial auto liability
- Physical damage: collision and comprehensive
- Hired and non-owned auto
- Medical payments
Business Car Uses We Insure
We insure Virginia companies with passenger cars used by sales teams, insurance agents, real estate professionals, consultants, healthcare providers, and government contractors. Any vehicle that an employee drives to a client site, sales call, or business meeting needs commercial coverage.
Virginia Requirements
Virginia requires commercial auto liability on all business-registered vehicles. As of January 1, 2025, the state minimum is 50/100/25. Most Virginia businesses carry higher limits to protect company assets.
What Affects Your Business Car Premium
Vehicle value, driver MVR records, annual business mileage, and the number of drivers listed all affect pricing.
- Vehicle year, make, and value
- Driver ages and MVR records
- Annual business miles
- Number of listed drivers
How to Get a Business Car Insurance Quote
Have your vehicle schedule, driver list with license numbers, annual mileage estimate, and prior insurance history ready. Call (703) 551-2000 or request a quote online.
Business Passenger Car 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.
- How fast can I get a commercial vehicle insurance quote?
- In many cases we can turn around a commercial vehicle quote the same day, and straightforward single-vehicle policies are often quoted within a few hours. To move quickly, have your vehicle details (year, make, model, VIN, GVW), driver information and license numbers, your radius of operation, and any prior insurance or loss history ready. Call (703) 551-2000 or request a quote online and a licensed advisor will follow up promptly.
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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