Motorcycle Insurance for Virginia
Virginia motorcycle insurance for riders who know the roads.
From Skyline Drive to the Back of the Dragon on Route 16, Roamly works with carriers who understand how Virginians actually ride.
Virginia at a Glance
Requirement | Details |
|---|---|
Minimum liability | 50/100/25 ($50k bodily injury per person, $100k per accident, $25k property damage), in effect since January 1, 2025. Uninsured/underinsured motorist coverage matching those limits is also part of a Virginia policy. |
Helmet law | Required for every operator and passenger. Helmets must meet Snell, ANSI, or federal DOT standards. Operators also need a face shield, safety glasses, or goggles unless the bike has a windshield or safety glass. |
Lane splitting | Illegal. Two motorcycles may ride side by side in one lane, but riding between lanes of traffic isn't allowed. |
Inspection | Annual safety inspection required (as of September 2026, the motorcycle inspection charge is $12). Since July 1, 2024, paying a fee in place of insurance is no longer an option. |
Requirements and regulations may change. Verify with the Virginia Department of Motor Vehicles and the State Corporation Commission's Bureau of Insurance for the most current information.
What you need to know about Motorcycle Insurance in Virginia
Virginia raised its liability minimums in 2025 and scrapped the pay-a-fee-instead option in 2024, so plenty of riders are carrying policies built for the old rules. Here's what actually shapes your policy now.
Virginia's 50/100/25 Minimum
Since January 1, 2025, the state requires $50k/$100k bodily injury and $25k property damage — up from 30/60/20. Uninsured and underinsured motorist coverage at matching limits comes with it. If your policy hasn't been reviewed since the change, it's worth a look.
Agreed Value for Custom Builds
Your Street Bob with the ape hangers and custom tank isn't a stock bike. Roamly works with carriers who may value your sweat equity, not some database guess.
Peer-to-Peer Rental Coverage
Want to list your bike on Twisted Road or Riders Share when you're not riding it? Many personal policies exclude rental use, so check yours first. Roamly works with carriers who may be able to help.
SR-22 and FR-44 Filings
Virginia uses two certificates: an SR-22 for things like unpaid judgments or driving uninsured, and an FR-44 after a DUI, with liability limits double the SR-22 amounts. Roamly works with carriers that file both, so the paperwork gets done right. No judgment.
Protection Beyond Basics
Rent Your Bike Without Losing Coverage
Virginia's riding season runs long, but even a daily rider has weeks when the bike just sits. Listing it on Twisted Road or Riders Share can help it earn its keep, but many personal policies exclude rental use — check yours before you hand over the keys. Roamly works with carriers who may cover your bike even when it's rented through legitimate platforms, which may help you earn from your bike while keeping it protected. Coverage terms, conditions, and availability vary by state and policy.
What Virginia Actually Requires
Virginia mandates 50/100/25 liability coverage, and every registered bike has to carry it. That's $50k per person and $100k per accident for bodily injury, plus $25k for property damage, with uninsured/underinsured motorist coverage at matching limits. The old option of paying the state a fee to register an uninsured vehicle ended July 1, 2024. Add a Snell-, ANSI-, or DOT-compliant helmet for you and your passenger, and eye protection unless your bike has a windshield. The minimums keep you legal, but they won't go far if you total a Heritage Classic or hurt someone badly. We'll help you figure out what makes sense for your situation.
Custom Builds Get Real Value
You built your bike the way you wanted it: Vance & Hines exhaust, Corbin seat, custom paint, and upgraded suspension. Stock book value doesn't account for the work you put in or the parts you upgraded. Roamly works with carriers who offer Agreed Value coverage options — we'll help document your build so it can be insured for what it's actually worth, which can make a claim smoother if you ever need to file one.
LEGAL DISCLAIMERS
Roamly is a licensed insurance agency. Insurance policies referenced are offered through Roamly and underwritten by third-party carriers including Progressive, National General, Foremost, Safeco, Nationwide, Dairyland, Mercury, and Plymouth Rock, among others. Not all products or coverages are available in every state. Coverage terms, conditions, limits, deductibles, exclusions, and availability vary by state, carrier, and policy. This page is provided for general information and is not a contract of insurance. See the actual policy for a full description of coverages, terms, and conditions. Virginia law references current as of September 2026 — confirm current requirements with the State Corporation Commission's Bureau of Insurance and the Virginia Department of Motor Vehicles.
Why Roamly?
Tailored coverage
We know a cruiser isn't a sport bike. Roamly helps you find the coverage that fits with how you ride, from dirt trails to open roads.
Custom parts protection
Most insurers offer minimal coverage for custom parts. Our partners provide up to $20,000 in coverage for your aftermarket mods and custom work.
Track day coverage
Most insurers don’t cover organized track events, riding schools, and time trials. Push your limits. We’ll make sure you’re covered.
Virginia Motorcycle Insurance Quotes in Minutes
Virginia motorcycle insurance for riders who know the roads.
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Liberty Mutual Insurance Company, Foremost Insurance Company, National General Insurance, and others.
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