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 Horse Trailer Insurance

Horse trailers carry animals whose value can run into six figures. We write Virginia commercial coverage for equine transport businesses and operations that regularly haul horses for hire.

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What Horse Trailer Insurance Covers

Commercial auto liability covers the tow vehicle and trailer combination on the road. Trailer physical damage covers the trailer structure. For equine transport businesses hauling horses for others, on-hook or animal mortality coverage may be needed to protect the animals in your care.

Private owners hauling their own horses may use personal auto plus trailer coverage; businesses hauling horses for a fee need commercial coverage.

Commercial auto liability for tow vehicle
Trailer physical damage
Animal mortality options for in-transit horses
Hired and non-owned auto

Horse Trailer Operations We Insure

We insure equine transport businesses moving horses between farms, competitions, and clinics; trainers and farms hauling horses for clients; and organizations running regular horse transport routes in Virginia.

Virginia Requirements

Virginia requires commercial auto liability for business-use tow vehicles. Interstate horse transport must meet importing state animal health entry requirements, including certificates of veterinary inspection where required. Virginia Horse Center and major competition venues typically require minimum liability limits in vendor and hauler contracts.

What Affects Your Horse Trailer Premium

Number of horses per load, value of animals typically transported, operating territory, and the age and value of the trailer affect pricing.

How to Get a Horse Trailer Quote

Have your trailer details, tow vehicle information, a description of the horses you transport and their values, and prior insurance history ready. Call (703) 551-2000 or request a quote online.

FAQ

Horse 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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