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.

Cars & Vans

Virginia Hearse Insurance

Hearses are specialized commercial vehicles that carry significant reputational and liability risk for funeral operations. We write Virginia commercial coverage for hearses and funeral coach fleets.

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What Hearse Insurance Covers

Commercial auto liability is the foundation, covering bodily injury and property damage during funeral processions and transfer runs. Physical damage covers the hearse body and chassis. Because hearses carry human remains, liability claims can have significant emotional damages components beyond standard vehicle accidents.

Some funeral homes also need garage liability or bailee coverage for vehicles in their care during the preparation process.

Commercial auto liability
Physical damage for hearse and funeral coach
Procession and transfer run coverage
Fleet options for multiple vehicles

Funeral Vehicle Types We Insure

We insure traditional full-size hearses, hearse-ambulance combinations, flower cars, first-call removal vehicles, and limousine-style funeral coaches. Both Cadillac and Lincoln chassis conversions are covered.

Virginia Requirements for Funeral Vehicles

Virginia requires commercial auto liability on all business-registered vehicles. Funeral escorts and processions are governed by Virginia Code and local ordinances. For-hire funeral transport may require a Virginia for-hire vehicle registration.

Note: for-hire livery is restricted in some states under Progressive's program; our advisors confirm Virginia-specific availability.

What Affects Your Hearse Premium

Vehicle value, mileage, driver history, number of units in the fleet, and prior loss experience all affect pricing.

How to Get a Hearse Insurance Quote

Have your vehicle schedule, driver list, and prior insurance history ready. Call (703) 551-2000 or request a quote online.

FAQ

Hearse 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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