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 Limousine Insurance

Traditional limousine and stretch limo operations are classified as contract passenger carriers in Virginia, requiring commercial coverage that a personal policy can't provide. We write coverage that keeps Virginia limo operators compliant and protected.

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What Limousine Insurance Covers

Commercial livery liability is the core coverage, paying for bodily injury and property damage during for-hire passenger transport. Physical damage covers the limousine body and chassis. Uninsured and underinsured motorist coverage protects passengers injured by uninsured drivers.

Virginia classifies traditional limousine service as contract passenger carrier transportation, which requires intrastate operating authority, minimum liability limits based on seating capacity, and for-hire vehicle registration. Note: for-hire passenger carrier availability may vary by state under Progressive's program.

Commercial livery liability
Physical damage
Uninsured/underinsured motorist
For-hire compliance support

Limousine Types We Insure

We insure traditional stretch limousines, SUV limousines, exotic car conversions used for special events, party buses categorized as limos, and standard sedans operated as for-hire livery.

Virginia Requirements for Livery Operations

Contract passenger carriers and other for-hire motor carriers in Virginia need intrastate operating authority, for-hire vehicle registration, and minimum commercial liability limits based on vehicle seating capacity. Platform-based premium rideshare such as Uber Black follows Virginia's separate TNC rules instead.

What Affects Your Limousine Premium

Vehicle value, type (standard sedan vs. stretch), number of passengers, operating territory, driver history, and prior loss experience all affect pricing.

How to Get a Limousine Insurance Quote

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

FAQ

Limousine 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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