How to Get Motorcycle Insurance in Virginia

Motorcycle riding in Virginia offers freedom, adventure, and a unique connection to the open road. From the scenic Blue Ridge Parkway to the bustling streets of Richmond and Norfolk, thousands of riders enjoy the thrill of two-wheeled travel every day. But with that freedom comes responsibility—and one of the most critical responsibilities is securing proper motorcycle insurance. In Virginia, motorcycle insurance is not just recommended; it’s legally required. Failing to carry the minimum coverage can result in fines, license suspension, and even vehicle impoundment. This guide provides a comprehensive, step-by-step walkthrough on how to get motorcycle insurance in Virginia, including legal requirements, cost-saving strategies, provider comparisons, and real-world examples to help you make informed decisions.

Whether you’re a first-time rider purchasing your first bike or an experienced motorcyclist looking to switch policies, understanding the nuances of Virginia’s insurance landscape is essential. This tutorial breaks down every phase of the process—from understanding state mandates to comparing quotes and finalizing your policy—with clarity and precision. By the end, you’ll know exactly how to secure affordable, compliant, and comprehensive motorcycle insurance tailored to your riding habits and budget.

Step-by-Step Guide

Step 1: Understand Virginia’s Mandatory Motorcycle Insurance Requirements

Before you even begin shopping for insurance, you must understand what the Commonwealth of Virginia legally requires. Virginia Code § 46.2-706 mandates that all motorcyclists carry liability insurance to operate on public roads. The minimum coverage limits are:

• Bodily Injury Liability: $25,000 per person / $50,000 per accident
• Property Damage Liability: $20,000 per accident

These figures represent the absolute minimum. They cover injuries you cause to others and damage to their property, such as another vehicle or a fence. However, they do not cover your own injuries or damage to your motorcycle. Many riders opt for higher limits due to the rising costs of medical care and vehicle repairs. In urban areas like Northern Virginia, where traffic density and accident rates are higher, increasing your liability limits to $100,000/$300,000/$50,000 is a prudent move.

Virginia also offers an alternative to traditional insurance: the Virginia Motor Vehicle Security Deposit Program. This allows riders to deposit $50,000 in cash or securities with the Department of Motor Vehicles (DMV) as proof of financial responsibility. However, this option is impractical for most riders due to the high upfront cost and lack of coverage for your own damages. Insurance remains the standard, affordable, and recommended path.

Step 2: Assess Your Coverage Needs Beyond the Minimum

While meeting the state’s minimum is legally sufficient, it may leave you financially exposed. Consider these additional coverage types:

• Uninsured/Underinsured Motorist Coverage (UM/UIM): Protects you if you’re hit by a driver without insurance or with insufficient coverage. In Virginia, over 12% of drivers are uninsured—among the highest rates in the U.S. UM/UIM is not mandatory but highly recommended.
• Collision Coverage: Pays for repairs to your motorcycle after an accident, regardless of fault. Essential if your bike is newer or financed.
• Comprehensive Coverage: Covers non-collision damage from theft, fire, vandalism, hail, or animal strikes. Crucial for riders who store bikes outdoors or in high-theft areas.
• Medical Payments Coverage (MedPay): Covers your medical expenses after a crash, regardless of fault. Unlike health insurance, MedPay pays immediately and often includes passengers.
• Accessory Coverage: Protects custom parts like saddlebags, windshields, exhaust systems, or GPS units that aren’t included in standard policies.
• Roadside Assistance: Offers towing, battery jump-starts, and tire changes—a valuable add-on for long-distance riders.

For riders who commute daily, live in high-crime neighborhoods, or ride frequently during inclement weather, combining collision, comprehensive, UM/UIM, and MedPay creates a robust safety net. If you’re financing your motorcycle, your lender will likely require collision and comprehensive coverage.

Step 3: Gather Required Information

Before requesting quotes, collect the following documents and details:

• Your full legal name and date of birth
• Virginia driver’s license number
• Motorcycle make, model, year, and VIN (Vehicle Identification Number)
• Current odometer reading
• Estimated annual mileage
• Primary garaging address (where the bike is stored overnight)
• Driving history: accidents, tickets, or claims from the past 3–5 years
• Details of any motorcycle safety courses completed (e.g., Virginia Rider Training Program)
• Existing insurance policy numbers (if switching providers)

Having this information ready streamlines the quoting process. Many online platforms allow you to enter details once and receive multiple quotes simultaneously. Accurate data ensures you’re not overpaying or underinsured.

Step 4: Compare Quotes from Multiple Providers

Never settle for the first quote you receive. Prices for identical coverage can vary by hundreds of dollars across insurers. Use comparison tools and contact at least three to five providers. Top insurers operating in Virginia include:

• Geico
• Progressive
• Allstate
• State Farm
• USAA (for military members and families)
• Liberty Mutual
• Farmers Insurance

Each company uses different algorithms to calculate risk. For example, Progressive often offers competitive rates for riders with prior claims, while Geico rewards those with clean records and multi-policy discounts. USAA consistently ranks among the lowest for military-affiliated riders.

When comparing, ensure you’re comparing apples to apples:

• Identical liability limits (e.g., 25/50/20)
• Same deductibles for collision and comprehensive (e.g., $500)
• Same add-ons (UM/UIM, MedPay, roadside assistance)
• Same policy term (typically 6 or 12 months)

Use online quote engines like NerdWallet, The Zebra, or Insurify to compare multiple providers side-by-side. These platforms aggregate real-time data and often reveal hidden discounts you might not know about.

Step 5: Apply for Discounts

Insurance companies offer numerous discounts that can reduce premiums by 20% to 40%. Common discounts in Virginia include:

• Motorcycle Safety Course Discount: Completing the Virginia Rider Training Program (VRTP) can earn you up to 15% off for 3–5 years.
• Multi-Policy Discount: Bundling your motorcycle insurance with auto, home, or renters insurance can save you 10–25%.
• Multi-Bike Discount: If you own more than one motorcycle, many insurers offer reduced rates on additional bikes.
• Anti-Theft Device Discount: Installing a GPS tracker, alarm, or immobilizer may qualify you for a 5–10% reduction.
• Low Mileage Discount: Riders who log fewer than 2,500 miles annually may receive reduced premiums.
• Good Student Discount: Full-time students with a B average or higher can receive up to 10% off.
• Claims-Free Discount: Maintaining a clean claims record for 3–5 years can lead to substantial savings.
• Pay-in-Full Discount: Paying your entire premium upfront instead of monthly installments often results in a 5–10% reduction.

Always ask your agent or insurer’s online portal: “What discounts am I eligible for?” Don’t assume they’ll automatically apply them. Document every discount you qualify for and request written confirmation.

Step 6: Choose Your Deductible Wisely

Your deductible is the amount you pay out-of-pocket before insurance kicks in for collision or comprehensive claims. Common deductibles range from $250 to $1,000. Choosing a higher deductible lowers your monthly premium but increases your financial responsibility after an accident.

For example:

• With a $250 deductible: Monthly premium = $55
• With a $1,000 deductible: Monthly premium = $38

That’s a $17 monthly savings—but you’d pay $750 more if you file a claim. If you have a healthy emergency fund and ride cautiously, a higher deductible makes sense. If you’re riding in areas with high debris, wildlife, or theft risk, a lower deductible may offer more peace of mind.

Step 7: Finalize and Purchase Your Policy

Once you’ve selected your insurer and coverage, you can purchase your policy online, over the phone, or in person. Most companies issue immediate proof of insurance via email or mobile app. This digital proof is legally valid in Virginia and can be shown to law enforcement or during DMV inspections.

After purchase:

• Save a digital and printed copy of your insurance card
• Update your motorcycle’s registration with the DMV if required
• Set calendar reminders for renewal dates (typically 6 or 12 months)
• Review your policy annually to ensure coverage still meets your needs

Virginia law requires you to carry proof of insurance while riding. Failure to produce it during a traffic stop can result in a $500 fine and a suspended registration. Always keep your insurance documentation accessible.

Step 8: Notify the Virginia DMV

When you purchase insurance, your provider will typically notify the Virginia DMV electronically. However, if you’re switching insurers or renewing after a lapse, you may need to submit proof manually. You can do this by:

• Uploading your insurance certificate through the DMV’s online portal: dmv.virginia.gov
• Mailing a copy of your insurance card to the DMV
• Visiting a local DMV office in person

Failure to maintain continuous coverage can trigger a suspension of your registration and driver’s license. Virginia uses the Motor Vehicle Insurance Verification System (MVIS) to monitor compliance. If your insurer reports a lapse, you’ll receive a notice from the DMV with instructions to reinstate your registration—often requiring payment of a reinstatement fee and proof of new coverage.

Best Practices

1. Maintain Continuous Coverage

Even if you store your motorcycle during winter, do not cancel your policy. A lapse in coverage—even one day—can lead to higher premiums when you reinstate. Many insurers treat lapses as a red flag, increasing your rates by 20–50%. Instead, opt for “storage coverage,” which reduces your premium by eliminating collision and liability but retains comprehensive protection against theft or weather damage.

2. Review Your Policy Annually

Your riding habits, bike value, and personal circumstances change. Did you upgrade your bike? Add custom parts? Start commuting instead of weekend riding? These changes affect your coverage needs. Review your policy each year during renewal to ensure it still aligns with your lifestyle and asset value.

3. Avoid Underinsurance

Choosing the minimum liability limits may seem cost-effective, but one serious accident can result in lawsuits that exceed your coverage. If you’re found at fault in an accident causing $100,000 in injuries and you only have $25,000 coverage, you’re personally liable for the remaining $75,000. Your wages, savings, and assets could be at risk. Invest in higher limits—$100,000/$300,000/$50,000 is a common and affordable upgrade.

4. Use a Dedicated Motorcycle Policy

Some insurers offer “auto plus motorcycle” bundles, but avoid policies that treat your motorcycle as an afterthought. Dedicated motorcycle policies often provide better coverage for custom parts, roadside assistance, and rental reimbursement. They’re also more likely to be handled by agents who understand motorcycle-specific risks.

5. Document Everything

Take photos of your motorcycle from multiple angles before and after any incident. Keep receipts for modifications, repairs, and safety gear. If you’re ever involved in a claim, this documentation can substantiate your losses and speed up the settlement process.

6. Ride Defensively and Stay Legal

Safe riding reduces your chances of accidents and claims, which directly impacts your premiums. Always wear a helmet (Virginia law requires it for riders under 18, but recommended for all), use proper gear, obey speed limits, and avoid riding impaired. A clean driving record is your best long-term insurance strategy.

7. Consider Usage-Based Insurance

Some insurers, like Progressive, offer usage-based programs where your premium is based on actual riding behavior via a telematics device. If you ride infrequently and safely, this can lead to significant savings. However, if you ride aggressively or frequently at night, rates may increase. Evaluate whether the trade-off suits your riding style.

Tools and Resources

Virginia Department of Motor Vehicles (DMV)

The official source for all state requirements, registration, and insurance verification. Visit dmv.virginia.gov to check your registration status, submit proof of insurance, or report a lapse.

Virginia Rider Training Program (VRTP)

Offered by the Virginia Department of Motor Vehicles and community colleges, VRTP provides free or low-cost motorcycle safety courses. Completing the course qualifies you for insurance discounts and improves your riding skills. Find a course near you at dmv.virginia.gov/motorcycles/vrtp.

Insurance Comparison Platforms

• The Zebra: thezebra.com – Compares rates from over 100 insurers with detailed breakdowns.
• NerdWallet: nerdwallet.com – Offers expert analysis and personalized recommendations.
• Insurify: insurify.com – Uses AI to match you with insurers based on your profile.

Motorcycle Safety and Advocacy Organizations

• Motorcycle Safety Foundation (MSF): msf-usa.org – Offers advanced riding courses and safety resources.
• Virginia Motorcycle Riders Association (VMRA): vmra.org – Advocates for rider rights and provides local events and training.

Vehicle History and Value Tools

• Kelley Blue Book (KBB): kbb.com – Determines your motorcycle’s current market value for accurate coverage.
• Carfax: carfax.com – Checks for accident history if purchasing a used bike.

Discount and Savings Trackers

Use apps like Trim or Rocket Money to track your insurance spending, set renewal alerts, and identify opportunities to switch providers for better rates.

Real Examples

Example 1: First-Time Rider in Richmond

Jamal, 22, purchased a 2022 Honda CB500X for $7,200. He completed the VRTP course and lives in a low-crime neighborhood. He carries:

• Liability: 25/50/20
• Uninsured Motorist: 50/100
• Medical Payments: $2,500
• Comprehensive and Collision: $500 deductible

He bundles his policy with his parents’ auto insurance, receives a multi-policy discount, and qualifies for a good student discount. His annual premium: $410. Without discounts, it would have been $680. He saved $270 per year.

Example 2: Experienced Rider in Northern Virginia

Sarah, 38, owns a 2021 Harley-Davidson Street Glide with $18,000 in custom accessories. She rides 8,000 miles annually and commutes to Washington, D.C. She carries:

• Liability: 100/300/50
• Uninsured Motorist: 100/300
• Comprehensive and Collision: $250 deductible
• Accessory Coverage: $5,000
• Roadside Assistance: Included

She chose Progressive for their custom parts coverage and accident forgiveness. Her annual premium: $980. She previously paid $1,400 with another insurer by switching and adding a GPS tracker for a 7% discount.

Example 3: Seasonal Rider in Roanoke

David, 55, owns a 2019 Yamaha FJR1300 and only rides from April to October. He opted for storage coverage during winter months, which reduced his annual premium from $720 to $310. His storage policy includes comprehensive coverage for theft and weather damage. He reinstated full coverage in March with no lapse and no penalty.

Example 4: Military Rider in Norfolk

Lt. Ramirez, U.S. Navy, purchased a 2020 Kawasaki Ninja 650. As a USAA member, he received:

• Liability: 100/300/50
• UM/UIM: 100/300
• Collision and Comprehensive: $500 deductible
• Free roadside assistance

His annual premium: $365—$200 less than the average quote from non-military insurers. He also received a 10% discount for completing the MSF course.

FAQs

Do I need motorcycle insurance if I don’t ride often?

Yes. Virginia law requires insurance for any motorcycle registered and operated on public roads—even if you ride only occasionally. If you store your bike and don’t ride at all, you can switch to storage coverage, which maintains comprehensive protection at a lower cost.

Can I use my car insurance to cover my motorcycle?

No. Car insurance policies do not extend to motorcycles. You must purchase a separate motorcycle insurance policy. However, many insurers allow you to bundle both policies for a discount.

What happens if I get pulled over without insurance?

You’ll face a $500 fine and a suspension of your vehicle registration and driver’s license. You’ll also be required to pay a $600 uninsured motorist fee to the DMV and provide proof of future coverage to reinstate your privileges.

Is uninsured motorist coverage required in Virginia?

No, but it’s strongly recommended. Over 12% of Virginia drivers are uninsured, according to the Insurance Information Institute. Without UM/UIM coverage, you could be left paying for your own medical bills and repairs after an accident caused by an uninsured driver.

Can I get insurance without a motorcycle license?

You can purchase insurance without a motorcycle license, but you cannot legally ride the motorcycle until you have one. Some insurers require a valid license to issue a policy, while others allow you to add coverage while you’re training. Check with your provider.

How does my credit score affect my motorcycle insurance rate?

In Virginia, insurers are permitted to use credit-based insurance scores to determine premiums. A higher credit score often correlates with lower rates, as statistically, policyholders with better credit file fewer claims. Maintaining good credit can save you hundreds annually.

Does wearing a helmet lower my insurance premium?

Not directly. However, completing a safety course—which often includes helmet use education—does qualify you for discounts. Wearing a helmet reduces injury severity, which can prevent claims and keep your rates low over time.

Can I insure a custom or modified motorcycle?

Yes, but standard policies may not cover aftermarket parts. You must add accessory or custom parts coverage to protect upgrades like exhausts, seats, windshields, or electronics. Provide receipts to your insurer for accurate valuation.

How long do I have to get insurance after buying a motorcycle?

You must have insurance before you register the motorcycle with the DMV. Most dealerships require proof of insurance before handing over the keys. If you’re buying privately, secure coverage before riding the bike off the property.

Will my insurance cover me if I ride in another state?

Yes. Virginia motorcycle insurance policies typically provide coverage throughout the U.S. and Canada. However, if you move to another state permanently, you must update your policy to meet that state’s requirements.

Conclusion

Getting motorcycle insurance in Virginia is a straightforward process—but only if you approach it with knowledge and intention. The state’s minimum requirements are just the starting point. True protection comes from understanding your personal risk profile, evaluating your riding habits, and selecting coverage that aligns with your financial and safety goals. Whether you’re a casual weekend rider or a daily commuter, the right policy provides peace of mind, legal compliance, and financial security.

By following the steps outlined in this guide—understanding state mandates, comparing quotes, applying for discounts, and maintaining continuous coverage—you’ll not only meet the law but exceed it in terms of protection. Use the tools and resources provided to make informed decisions, and don’t hesitate to ask insurers about every possible discount. Real-world examples show that savings are achievable, and comprehensive coverage is within reach for every rider.

Remember: Motorcycle insurance isn’t just a legal formality—it’s your safety net on the road. Invest wisely, ride responsibly, and enjoy the journey with confidence.