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 Passenger Van Insurance

Passenger vans carry multiple people at once, which means liability exposure multiplies with each person on board. We write Virginia commercial coverage for employer shuttles, group transportation, and for-hire van services.

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What Passenger Van Insurance Covers

Commercial auto liability covers bodily injury and property damage during passenger transport. Carrying multiple passengers amplifies the injury exposure from any accident, and liability limits should reflect the number of occupants and their potential injury claims.

Physical damage covers the van. Uninsured and underinsured motorist coverage protects your passengers when another driver is at fault and underinsured.

Commercial auto liability with multi-passenger limits
Physical damage
Uninsured/underinsured motorist
For-hire passenger transport options

Passenger Van Uses We Insure

We insure Virginia employers running employee shuttle services, hotels and resorts providing airport transfers, nonprofits transporting clients, senior care facilities moving residents, and for-hire shuttle and group transportation services.

Virginia Requirements for Passenger Transport

Passenger vans operating for hire in Virginia need intrastate operating authority, for-hire vehicle registration, and minimum liability limits based on seating capacity. FMCSA regulates interstate for-hire passenger carriers under Parts 365 and 387, including vans designed to transport 9 to 15 passengers for compensation. Church and nonprofit vans transporting members may follow separate permit rules under Virginia law.

What Affects Your Passenger Van Premium

Seating capacity, for-hire vs. employee-only use, driver history, operating territory, and prior loss experience all affect pricing.

How to Get a Passenger Van Quote

Have your van details, seating capacity, driver list, use description, and prior insurance history ready. Call (703) 551-2000 or request a quote online.

FAQ

Passenger Van 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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