Commercial Truck Insurance
Virginia
Compliance-ready coverage for Old Dominion freight
From I-64 runs between the Port of Virginia and Richmond’s warehouse belt to poultry hauls in the Shenandoah Valley and haz-mat loads on I-95, GIA Group, LLC builds insurance programs that meet FMCSA rules and all Virginia DMV motor-carrier filing requirements.
Success Stories
Client case | Price per truck |
|---|---|
General Freight, Non-Trucking Liability, Physical Damage | $3,500 |
Dry van fleet, with claims, liability, cargo, physical damage, trailer interchange, and general liability | $13,100 |
Dry van, new venture, physical damage coverage only | $1,305 |
Large fleet, team drivers, liability, and cargo $250,000 with reefer breakdown | $11,000 |
Coverage
Who needs it
Serving Virginia truckers of all types
Owner-operators – Personalized policies with flexible terms.
Small to large fleets – Scalable options for growing operations.
New authorities – Support for new ventures and first-time DOT applicants.
Specialty haulers – Coverage for dump trucks, tow trucks, car haulers, flatbeds, and more.
Amazon Relay & freight brokers – Policies designed to meet load board and contract requirements.
Our advantages
Requirements
Virginia truck-insurance requirements
Liability limits – intrastate
$750 K CSL for vehicles > 10,000 lbs GVWR
$300 K CSL for 7,500–10,000 lbs
$1 M oil / $5 M placarded HM
Intrastate proof — Form E (liability) and Form H (cargo for household-goods carriers) filed electronically by insurer with Virginia DMV.
Interstate proof — BMC-91X / MCS-90 on record with FMCSA before authority activation.
Information reflects minimum requirements as of 2025 and is provided for general reference only. Actual insurance limits and filing obligations may vary depending on cargo type, operation size, or recent regulatory updates. Carriers should verify current requirements with the FMCSA, Virginia Department of Motor Vehicles, or a licensed insurance professional.
Cost explanation
What does truck insurance cost in Virginia?
Most for-hire carriers spend $9,000 – $18,000 per tractor per year. Rates trend higher on haz-mat and I-95 lanes, lower on intrastate agricultural routes. GIA shops several markets to secure the right balance of price and protection.
Facts
Service area
Serving Virginia truckers across the state
We write Virginia commercial-auto coverage statewide, including these freight hubs: Richmond, Norfolk, Virginia Beach, Roanoke, Charlottesville, Harrisonburg — plus every port gate, rail ramp, and I-81 / I-95 logistics corridor in between.
