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Virginia motorcycle insurance

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. And with the right motorcycle insurance company, you'll be able to enjoy the ride worry-free.

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.

What are the motorcycle insurance requirements in Virginia?

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

  • $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 per accident

Does Virginia have any optional motorcycle insurance coverage?

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

  • Medical expense benefits
  • Income loss benefits
  • Collision and other than collision
  • Helmet and safety apparel coverage
  • Physical damage plus endorsement
  • Replacement cost
  • Trip interruption
  • Transportation expenses
  • Towing and labor
  • Diminishing deductibles
  • Agreed value

Virginia motorcycle insurance discounts

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

  • Advance quote
  • Age 55 and older—defensive driving course discount  
  • Bike replacement (loyalty)
  • Claim-free renewal
  • Garaging
  • H.O.G.® member
  • Homeowner
  • Motorcycle endorsement
  • Multi-line
  • Multi-vehicle
  • Operator safety course
  • Paid-in-full
  • Prompt payer
  • Rider group
  • Transfer

Motorcycle rides in Virginia

  • Virginia’s 32-mile Back of the Dragon route may be short, but it’s thrilling. This route features more than 400 turns and three mountain passes. Check out our rider’s guide to plan your trip.
  • Planning a visit to Virginia’s Shenandoah National Park? Not only does Skyline Drive pass through the entire park, it’s also a must-ride motorcycle route. Learn more with our rider’s guide.
  • Here’s what you need to know to plan your ride on the Blue Ridge Parkway, what to expect when you get there, and all about the iconic roadway’s history.

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.


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.

No wonder Virginia is for (motorcycle) lovers!

Get insured and ride on.

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