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Compare motorcycle insurance in Virginia

This colonial state has a history of low-cost bike insurance, but also theft.

Updated

Fact checked

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.

Motorcycle insurance providers in Virginia

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
Optional
Yes (earned after 3 years with no accidents and 4 years of loyalty)
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
Allstate motorcycle insurance
Included free
Yes
All 50 states
One of the longest lists of coverage options for bikes, plus free perks like equipment coverage for your high-end riding gear.
Esurance motorcycle insurance
Included free
No
43 states
Cover pricey riding gear while snagging bike-specific discounts for motorcycle licensing or safety courses.
Liberty Mutual motorcycle insurance
Optional
No
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.
The General motorcycle insurance
Optional
No
43 states
Avoid riding interruptions with acceptance as a high-risk driver, help with filing an SR-22 and instant access to proof of insurance.
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Compare up to 4 providers

Average motorcycle insurance in Virginia

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.

Minimum motorcycle insurance requirements in Virginia

Always the median, Virginia has pretty standard insurance requirements, including:

  • $25,000 for bodily injuries per person
  • $50,000 for bodily injuries per accident
  • $20,000 for property damage per accident

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.

How can I save on motorcycle insurance in Virginia?

Discover ways to save on your bike policy:

  • Garage your bike. Virginia has its fair share of motorcycle theft. To prevent yours from getting stolen and receive savings on comprehensive coverage, store your bike in a garage or enclosed space.
  • Take a bike safety course. This state stands in the middle for bike fatalities, making it just as important to get defensive riding training so you can steer clear of accidents.
  • Revamp your bike with safety features. This small state has a variety of attractive riding terrain: beaches, mountains and city streets. If you plan to explore or commute regularly, consider adding features like antilock brakes or airbags and using protective gear for added safety and discounts.

Bottom line

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.

Frequently asked questions about Virginia motorcycle insurance

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