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 Refrigerated Trailer Insurance

Reefer trailer breakdowns cause load losses that can run into six figures. We write Virginia coverage with reefer breakdown protection built in so a mechanical failure doesn't become an uncovered loss.

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What Refrigerated Trailer Insurance Covers

Trailer physical damage covers the refrigerated trailer and the reefer unit attached to it. Motor truck cargo with a reefer breakdown endorsement covers the load if it spoils due to a mechanical failure of the refrigeration system, not just due to a collision or comprehensive loss.

Without a reefer breakdown endorsement, cargo claims arising purely from refrigeration unit failure are typically excluded from standard motor truck cargo policies.

Trailer physical damage including reefer unit
Motor truck cargo with reefer breakdown
Commercial auto liability
High-value cargo limit options

Reefer Trailer Configurations We Insure

We insure standard 53-foot refrigerated trailers, shorter 48-foot regional reefer units, multi-temperature split trailers, and pharmaceutical-grade temperature-controlled trailers. Trailer-mounted Thermo King and Carrier reefer units are both covered.

FMCSA and Virginia Requirements

For-hire interstate reefer carriers need FMCSA operating authority and MCS-90 endorsement. Pharmaceutical shippers may require GDP-aligned carrier qualifications and higher contractual cargo limits.

What Affects Your Reefer Trailer Premium

Cargo type and value, reefer unit age and maintenance record, haul territory, and driver history all affect pricing. Pharmaceutical loads typically carry higher cargo limits than grocery freight.

How to Get a Reefer Trailer Quote

Have your trailer details, reefer unit specifications, cargo type and value, haul territory, and prior loss history ready. Call (703) 551-2000 or request a quote online.

FAQ

Refrigerated 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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