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Comprehensive Local Motorcycle Insurance Guide

Virginia Motorcycle Insurance

Motorcycle Registrations in VA

^ There are 199,489 registered motorcycles in Virginia, the 15th highest number in the nation. [1]

Motorcycle Insurance in VA by City

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Motorcycle Insurance Providers in Virginia

VA Motorcycle Insurance

VA Motorcycle Insurance in Virginia

Motorcycle Insurance Coverage Requirements in Virginia

  • Minimum Liability Limits in VA: 25/50/20 [2]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 20  Required coverage up to $20,000 for property damage in an accident

  • Insurer Verification of Insurance in VA [2]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurer must verify financial responsibility or insurance after an accident or arrest.
    • Insurer must verify randomly selected insurance policies upon request.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Virginia Motorcycle Insurance Liability Requirements

Required Motorcycle Insurance Coverage in Virginia

Mandatory motorcycle insurance coverage for riders in the state of Virginia.

  • Motorcycle Insurance Requirements in VA [2]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage
    • Note: It is compulsory to buy physical damage insurance or pay an Uninsured Motorists Vehicle (UMV) fee to the state Department of Motor Vehicles.

Motorcycle Helmet Laws in Virginia

    • Motorcycle helmets required for all riders. [3]

Motorcycle Insurance Laws & Regulations in Virginia

Motorcycle License Regulations in Virginia [4]

Detailed information about Virginia laws and regulations regarding obtaining and maintaining a motorcycle license in the state.

Motorcycle License Regulations in Virginia
  • Motorcycle License Laws in VA
    • Applicants must pass a special examination including a written examination and a road test before being issued a license.
    • A motorcycle written or road test may be waived for licensed members, spouses of a member, or dependents of a member of the United States Armed Services who has successfully completed a basic motorcycle rider course approved by the United States Armed Services.

Motorcycle Equipment Laws in Virginia [4]

Various regulations and laws in Virginia regarding riders and passengers of motorcycles, as well as the equipment used on bikes.

  • Motorcycle Equipment Laws in VA
    • Operators and any passengers thereon must wear protective helmets.
    • Every person operating a motorcycle must wear a face shield, safety glasses, or goggles, or have his motorcycle equipped with safety glass or a windshield, at all times while operating the vehicle.
    • Each passenger is required to have a permanently affixed seat and footrest.
    • Handlebars may not be higher than 15 inches above the level of the motorcycle's seat.
    • There is no passenger age restriction in the state of Virginia.

Rider & Driver Facts in Virginia

Rider & Driver Facts in Virginia

Virginia Motorcycle Registrations

  • Registered Riders in VA [1]
    • In 2012, Virginia totaled 199,489 motorcycles registrations.
    • This number ranks 15th in the United States by state (including Washington, D.C.).
    • Note: VA ranked 11th in the nation in total auto registrations (all vehicle types) in 2011.

Virginia Highway Facts

  • Speed Limits in VA [3]
    • Rural interstates: 70 mph
    • Urban interstates: 70 mph
    • Other roads: 55 mph
  • Consumption of Motor Fuel in VA [5]
    • Virginia ranked 12th in the U.S. in 2011 in total motor fuel consumption.

Virginia Accident Reporting Regulations

  • Accident Reporting in VA [4]
    • Crashes are required to be immediately reported in cases of death or injury.
    • Crashes are required to be immediately reported when property damage exceeds $1,000.

Additional information about Virginia

About Virginia

Virginia as a whole has an approximate population of 8,001,024, which ranks 11th in the nation. [6]

VA Motorcycle Insurance

VA Motorcycle Insurance

To learn more about Motorcycle Insurance in Virginia, or for additional resources related to Virginia Motorcycle Insurance, visit the Virginia Department of Insurance.

Did you know?

Many insurance companies offer discounts on insurance for graduates of motorcycle training courses.

Virginia Cities


1. ^ Federal Highway Administration

2. ^ Property Casualty Insurers Association of America (PCIAA)

3. ^ Insurance Institute for Highway Safety (IIHS)

4. ^ AAA Digest of Motor Laws and/or Virginia DOT

5. ^ U.S. Department of Transportation

6. ^ United States Census Bureau (2010)