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Virginia motorcycle insurance

Illustration of Skyline Drive in Shenandoah National Park in VirginiaIllustration of Skyline Drive in Shenandoah National Park in Virginia


The tourism slogan for Virginia is “Virginia is for lovers.” Well, you're certain to fall in love with riding in this scenic state. Full of historic attractions, bountiful shorelines, and natural beauty, the state makes for an attractive destination for bikers.

What’s required of all motorcycle riders in Virginia?

According to the Virginia DMV, all motorcyclists have to pass a rider test that includes a written and driving portion. The test measures driving ability and knowledge of safety measures for operators, passengers, and other riders.

While on the road, the law requires every motorcycle owner and passenger to wear a helmet. In addition, riders must wear a face shield, safety glasses, or goggles—or the bike must have safety glass or a windshield.

Motorcycles aren’t allowed in high-occupancy vehicle (HOV) lanes. At times, motorcycles don’t trigger traffic light sensors. So, in Virginia, when a motorcycle rider approaches an intersection with a traffic light, the bike can go through a red light if the rider comes to a complete stop and waits for two complete traffic light cycles or waits for two minutes—whichever is shorter.

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Prepare for your Virginia adventure

Make sure your motorcycle is in ride-ready condition.

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What are the motorcycle insurance requirements in Virginia?

When buying motorcycle insurance coverage in Virginia, the minimum insurance coverage limits for liability are:

  • $25,000 for bodily injury liability per person

  • $50,000 for bodily injury liability per accident

  • $20,000 for property damage liability per accident

  • $25,000 for uninsured/underinsured motorist bodily injury per person

  • $50,000 for uninsured/underinsured motorist bodily injury per accident

  • $20,000 for uninsured/underinsured motorist property damage

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The factors behind your insurance rates

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Does Virginia have any optional motorcycle insurance coverage?

You can get various other forms of insurance in Virginia. We have plenty of policy and liability coverage options to help protect you and your bike:

  • Medical expense

  • Income loss

  • Collision and other than collision

  • Helmet and safety apparel coverage

  • Physical Damage Plus

  • Replacement cost

  • Trip interruption

  • Transportation expenses

  • Towing and labor

  • Diminishing deductibles

  • Agreed value

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Ready to insure your ride?

Before securing your policy in Virginia, check out our motorcycle insurance recommendations.

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3 steps to get a free motorcycle insurance quote

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Provide information about yourself, your bike, and your riding history.
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Input details on other people who ride your motorcycle.
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Select the coverages you want and see what discounts you could qualify for.

Virginia motorcycle insurance discounts

The cost of a motorcycle insurance policy can be as low as $6 per month in Virginia. To enjoy affordable rates, we offer these money-saving insurance discounts:

  • Advance quote

  • Defensive driving course

  • Bike replacement (loyalty)

  • Claim-free renewal

  • Garaging

  • Harley Owners Group (H.O.G.) member

  • Homeowner

  • Motorcycle endorsement

  • Multi-line

  • Multi-vehicle

  • Operator safety course

  • Paid-in-full

  • Prompt payer

  • Rider group

  • Transfer

Sites to see in Virginia

Chesapeake Bay Bridge-Tunnel (CBBT)

Selected as one of the seven engineering wonders of the modern world, the Chesapeake Bay Bridge-Tunnel is a 17.6-mile mix of roads and tunnels. It crosses the Chesapeake Bay, two rivers, and a harbor. The CBBT takes 30 minutes to travel, with nothing but water on both sides of you, waves crashing just feet below, and land so distant it barely kisses the horizon. Plan ahead when you make this ride—congestion and weather can spoil the fun, especially considering the $18 fee during peak season.

Virginia Beach

Virginia Beach is the most populated city in Virginia. That’s no surprise given its miles of beaches. Visitors flock here, too, taking advantage of the hundreds of hotels, motels, and restaurants. This leads to a lot of traffic. So, while the boardwalk is an obvious place for a pitstop, consider swinging by the Association for Research and Enlightenment for an off-the-beaten-path destination. The center was founded by Edgar Cayce, who gave 14,306 psychic readings while in a self-induced sleep. The center extolls Cayce's beliefs in food as therapy, among other things. You don't have to be a believer to appreciate the tour.

Want to explore Virginia off the beaten path? We have coverage options for your ATVs, UTVs, and dirt bikes.

Get a Virginia motorcycle insurance quote

Virginia has beauty, history, plenty of great food, beaches, and much more. Getting on the road in this state is easy—it's figuring out which spot to visit first that’s the challenge.

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