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.

Trailers

Virginia Dry Freight Trailer Insurance

Dry van trailers are the backbone of freight transport. We write Virginia coverage for the standard 53-foot van, the 48-foot regional trailer, and everything in between.

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What Dry Freight Trailer Insurance Covers

Trailer physical damage covers the dry van against collision, fire, theft, and other covered losses. Motor truck cargo covers the freight inside. Commercial auto liability for the combination unit must meet FMCSA minimums for interstate for-hire carriers.

Many carriers insure trailers on a separate trailer-interchange or non-owned trailer policy when operating under a lease arrangement with a motor carrier.

Trailer physical damage
Motor truck cargo for palletized and general freight
Commercial auto liability
Trailer interchange coverage

Dry Van Configurations We Insure

We insure 53-foot standard dry vans, 48-foot regional trailers, lift-gate-equipped trailers, roller-floor trailers for heavy loads, and food-grade dry van trailers. Both leased and owned trailers are covered.

FMCSA and Virginia Requirements

For-hire interstate dry freight carriers need FMCSA operating authority and financial responsibility at a minimum of $750,000. Trailers used in trailer interchange must carry trailer-interchange coverage under the motor carrier's policy or separately.

What Affects Your Dry Freight Trailer Premium

Trailer age and declared value, freight type and value, haul territory, and driver history all affect pricing.

How to Get a Dry Freight Trailer Quote

Have your trailer details, freight type, haul territory, and prior insurance history ready. Call (703) 551-2000 or request a quote online.

FAQ

Dry Freight Trailer 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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