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Compare motorcycle insurers offering coverage in Virginia. Narrow down options by roadside assistance, accident forgiveness and more to get a quote.
Virginia keeps basic insurance requirements and middle-of-the-road accident risk, all leading to the state’s low average premiums. Virginia also offers a wide selection of insurers, since many of the big names and regional insurers are available here.
The state average bike insurance premium of $470 per year falls below the national average of $518. Riders may pay a lower premium because Virginia has fewer bike fatalities than other states, according to a 2017 NHTSA motorcycle statistics report.
Always the median, Virginia has pretty standard insurance requirements, including:
However, Virginia is unique in that it allows all vehicle owners, including bike owners, to pay an uninsured driver fee of $500 if they don’t want to carry coverage. The fee doesn’t endorse riding without insurance but allows riders to operate their motorcycle uninsured at their own risk. If you go the uninsured route, you’ll be responsible for the costs in an accident.
Discover ways to save on your bike policy:
Even if you pick a quick option to get you on the road, you’ll likely have a low premium in Virginia. But consider multiple insurers for their coverage, value and discounts to make sure you get the best protection for your situation.
You’ll need to prove ownership and insurance before getting your license plate handed to you.
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Salvage your bike’s roadworthy reputation with a safety-focused rebuild and rebuilt title, then get insurance.
You might need specialty insurance for bike racing, unless your insurer gives the green light on noncompetitive events.
You won’t need a license if your bike falls under the state’s moped category. But you’ll need liability insurance to safely and legally drive in NC.
Get the coverage you need for your three-wheeler.
How to get coverage after a DUI.
What to expect with coverage and rates. Plus, how to save even without a license.
Compare reviews from the top motorcycle insurance companies.