Are you searching for a Virginia Commercial Truck Insurance Quote? How about 3 quotes?
Compare VA Truck Insurance Quotes
To get the best deal on your semi truck insurance you need to shop around. Let us help by bringing you three Virginia Truck Insurance Agents that will compete for your business.
Just fill out our short online form and you’ll get three competitive quotes from three top agents in VA. Simple!
How Much Does Truck Insurance Cost In Virginia?
The average cost for commercial truck insurance in VA is $16,648.
Most premiums range from $14,244 to $16,894.
These cost estimates are based on truckers with one truck operations who need insurance for liability, cargo and physical damage. There are several variables that drive the cost such as: what you are hauling, your driving history, and how long you have been in business.
2 Real Examples Of Truck Insurance Costs In VA
1 Truck Based in Centreville
| Experience | Less Than 2 Years |
|---|---|
| Radius | Interstate, Unlimited Miles |
| Cargo | General Freight |
| Operation | For Hire |
| Premium | $14,465/yr |
1 Truck Based in Dumfries
| Experience | New Venture |
|---|---|
| Radius | Interstate, Below 500 Miles |
| Cargo | General Freight, Motor Vehicles |
| Operation | For Hire |
| Premium | $16,008/yr |
Perhaps the largest variable for what you will pay is the insurance company that you choose. For truck insurance, it’s common for prices to vary by thousands of dollars for the same trucker! Sometimes the difference can even be over $10,000 for the same operation.
You can’t control how long you’ve been in business, but you can control what insurance company you choose.
So it really pays to shop around. Our service makes it easy to get quotes from different companies, so you can zero in on the best coverage and cost combination for your trucking business. Compare quotes and lower your insurance costs here.
3 Truck Insurance Agents in Virginia
You need agents that specialize in truck insurance to get the right coverage at the best price. We’ve done the hard work for you and found three of the best truck insurance agents in VA. The agents will work hard to write your policy, but only one will emerge the champion. With three agents quoting your policy you will have much broader access to the whole market of truck insurance companies.
Shopping for truck insurance has never been this efficient. Don’t waste your time hunting down three agents. Instead, let them come to you. Let’s get started!
Commercial Truck Insurance Companies in Virginia
Finding the best trucking insurance company in VA for your outfit can result in huge savings. Some of the insurance carriers with the best premiums can be hard to find though.
The companies below write 82% of the truck insurance polices in VA.
Top 10 Truck Insurance Companies in VA
- Agency Insurance Company of Maryland / AIC
- Building Industry Insurance Association Inc
- Canal
- Erie
- Great West
- Lancer
- National Indemnity
- Northland
- OOIDA
- Progressive
There are also over a dozen truck insurance carriers in VA that have the remaining 18% marketshare.
You do have choices when it comes to insuring your truck and we can help you. It’s just a matter of smart comparison shopping to get the best price.
Compare quotes from different companies here.
Trucking Ins. Coverages
Virginia and the FMCSA have specific insurance requirements for semis. If you have your own authority, some coverages are mandatory, like primary liability. If you are a for-hire owner operator, you may be looking for physical damage truck insurance, bobtail coverage, and non trucking liability.
No matter what type of coverage your operation needs, you’ll get quotes from three truck insurance brokers. Click on a coverage below to learn more about it, then fill out our short form to get your quotes.
Virginia Truck Insurance Requirements
Virginia law asks local truck drivers and new ventures to have a minimum amount of liability insurance. The amount you need is determined by the type of freight you pull and where you pull it. If you don’t leave the state and your truck is more than 10,000 GVW, you must get a Virginia For-Hire Intrastate Operating Authority Number and have a minimum amount of insurance:
| $750,000 | Liability Insurance (General Freight) |
| $1,000,000 | Liability Insurance (Oil Transport) |
| $5,000,000 | Liability Insurance (Hazmat) |
| $300,000 | Liability Insurance (Household Goods) |
| $50,000/vehicle and $50,000/catastrophe | Cargo Insurance (All carriers) |
The insurance requirements for truck drivers who do insterstate work ask a little more. You must meet the above, and you must be in compliance with all the DOT truck insurance requirements recommended by the FMCSA. Most federal liability limits are $750,000 or $1,000,000.
Both Virginia and the FMCSA require certain filings be submitted by your insurance agent. Your agent or insurance company will prepare these filings for you. These forms show the government that all your semi truck insurance requirements are fulfilled. They must be filed before you can get your authority. Some common forms include:
- The BMC-100
- Form MCS-99
- Form E
- Form H
Specialized Insurance for Owner Operators in Virginia
Whatever type of operation you’re running, we have you covered. Our agents have access to cheap truck insurance for all of the following operation types:
Handy Virginia Trucking Resources
Virginia Department of Transportation
Virginia Department of Motor Vehicles
Virginia Department of Insurance
Your Business is Unique
You might be a local or a long hauler, a new venture or hotshot. You may be a leased owner operator from Norfolk or a fleet manager in Chesapeake. Maybe you haul hazardous materials or tobacco. All that to say, no two trucking companies are alike. Your insurance policies need to be put together just for you.
Since different truck insurance companies prefer different types of risks, it’s smart to shop around and find a company that is competitive with writing insurance for your specific situation. The bottom line is that you want cheap truck insurance without sacrificing coverage.
Get 3 Competitive quotes in all Virginia cities
No matter what city you live in our network of Virginia truck insurance brokers are ready to give you a quote. We cover all cities including…
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We also can give you multiple quotes in the neighboring states as well: MD, NC, WV, KY, TN
