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Virginia Commercial Truck Insurance

by Fred Podris. Updated on Aug 27, 2020

Are you searching for a Virginia Commercial Truck Insurance Quote?  How about 3 quotes?

3 Virginia Semi Truck Insurance 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!

VA Trucking Insurance Quotes

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

ExperienceLess Than 2 Years
RadiusInterstate, Unlimited Miles
CargoGeneral Freight
OperationFor Hire
Premium$14,465/yr

1 Truck Based in Dumfries

ExperienceNew Venture
RadiusInterstate, Below 500 Miles
CargoGeneral Freight, Motor Vehicles
OperationFor 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

Analysis performed by CTIHQ in 2020 using data from fmcsa.dot.gov. The VA truck insurance carriers listed above are based on their market share for 1-truck, interstate operations.

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 Commercial Truck InsuranceVirginia 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.

  • Primary Liability
  • General Liability
  • Physical Damage
  • Motor Truck Cargo
  • Bobtail Insurance
  • Non Trucking Liability Insurance
  • Trailer Interchange
  • Uninsured Motorist
  • Workers Compensation
  • Trucking Umbrella Policy

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:

$750,000Liability Insurance (General Freight)
$1,000,000Liability Insurance (Oil Transport)
$5,000,000Liability Insurance (Hazmat)
$300,000Liability Insurance (Household Goods)
$50,000/vehicle and $50,000/catastropheCargo 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:

  • Less Than Truckload
  • Auto Hauling
  • Intermodal Trucking
  • Refrigerated Trucking
  • Flatbed Trucking
  • Log Trucking
  • Livestock Hauling
  • New Venture
  • Hazmat Hauling
  • Hot Shot Trucking

Handy Virginia Trucking Resources

Virginia State FlagVirginia Department of Transportation

Virginia Department of Motor Vehicles

Virginia Trucking Association

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…

  • Virginia Beach
  • Norfolk
  • Chesapeake
  • Arlington
  • Richmond
  • Newport
  • Alexandria
  • Hampton
  • Roanoke
  • Portsmouth
  • Staunton
  • Suffolk
  • Lynchburg
  • Centreville
  • Dale City
  • Reston
  • Harrisonburg
  • McLean
  • Tuckahoe
  • Charlottesville
  • Danville
  • Blacksburg
  • Leesburg
  • Lake Ridge
  • Burke
  • Annandale
  • Manassas
  • Mechanicsville
  • Linton Hall
  • Oakton

We also can give you multiple quotes in the neighboring states as well: MD, NC, WV, KY, TN
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Disclaimer: Commercial Truck Quotes LLC is a nationally licensed insurance agency and has created the content of this website with the aim to provide you the most up to date and accurate information possible. This information, however, does not come with any warranty, and should not be received as personal financial advice. Insurance terminology varies from state to state. Your coverages and how they are governed are decided by the language in your insurance policy.
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