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 Livestock Trailer Insurance

Livestock haulers carry perishable cargo that can perish from heat, stress, or accident. We write Virginia coverage for cattle, hog, and poultry transport operations built around agricultural hauling realities.

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What Livestock Trailer Insurance Covers

Commercial auto liability is the primary road coverage. Motor truck cargo or a livestock mortality rider covers the animals themselves during transport. Trailer physical damage covers the trailer body, dividers, and ventilation systems.

Livestock transport is regulated under the federal Twenty-Eight Hour Law, which limits consecutive confinement on interstate hauls and affects rest, feed, and water planning.

Commercial auto liability
Livestock/animal mortality coverage
Trailer physical damage
FMCSA compliance

Livestock Trailer Operations We Insure

We insure cattle haulers running between Virginia farms and auction houses, hog transport for swine operations, poultry haulers for broiler operations, and mixed livestock transport across Virginia's Shenandoah Valley and Southside farming regions.

FMCSA and Virginia Agricultural Requirements

For-hire interstate livestock haulers with a combined GVWR over 10,001 pounds typically need FMCSA operating authority and MCS-90 endorsement. Virginia also has agricultural inspection requirements for animals entering the state. Agricultural vehicle exemptions apply to some intrastate farm-to-farm moves.

What Affects Your Livestock Trailer Premium

Species and average animal value per load, haul distance, operating territory, driver history, and prior losses all affect pricing.

How to Get a Livestock Trailer Quote

Have your trailer details, the species you haul, your typical load value, operating territory, and prior loss history ready. Call (703) 551-2000 or request a quote online.

FAQ

Livestock 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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