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.
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.
Prepare for your Virginia adventure
Make sure your motorcycle is in ride-ready condition.
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
The factors behind your insurance rates
Learn about the costs and considerations of motorcycle insurance.
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
Ready to insure your ride?
Before securing your policy in Virginia, check out our motorcycle insurance recommendations.
How to get a motorcycle insurance quote
Insurance quotes are quick and free. You’ll just need to:
Have your bike’s year, make, model, and vehicle identification number (VIN) on hand.
Answer some additional questions about your bike (e.g. customizations, where it’s kept, whether you’ve taken a rider safety course, etc.).
Select the coverages you want.
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
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.
