Virginia truck insurance from people who only insure trucks
State & Co Insurance LLC is a family owned independent agency, and trucking insurance is all we do. Since 2010 we have helped owner-operators and small fleets get covered right, and we shop 15+ A-rated carriers to find the right fit instead of the first quote. We are licensed in 34 states, and Virginia is one of them.
Virginia freight is built on two corridors: I-81 running the length of the Shenandoah Valley and I-95 connecting the Northeast to the Southeast. The Port of Virginia in Norfolk moves major container freight, and the Northern Virginia corridor feeds the D.C. metro with distribution and construction freight. It is a state where port drayage, regional distribution, and long-haul all mix together.
Coverage built for Virginia truckers
- Primary liability. Virginia interstate carriers need the federal minimums filed to keep authority active, and $1,000,000 liability is the broker standard. Port and intermodal work often comes with its own insurance requirements, so we build your liability around your actual freight.
- Cargo coverage. Container freight from the Port of Virginia, retail distribution, and manufacturing goods all move through the state. $100,000 cargo is the common broker ask, and we check for exclusions that could hurt you on the freight you haul most.
- Physical damage. I-95 congestion, I-81 truck traffic, and coastal storms all threaten equipment in Virginia. We set your stated value honestly and pick a deductible you can live with, so a wreck or storm does not take you off the road.
- Non-trucking liability. If you are leased to a carrier, this covers your off-dispatch miles, personal runs and trips home. A small premium that closes a gap every leased driver has.
- Trailer interchange. Port of Virginia drayage and intermodal work means pulling chassis and containers owned by someone else. Interchange coverage protects you while that equipment is in your care.
- Workers comp / occupational accident. Virginia’s workers comp rules generally apply when you have employees. Leased-on owner-operators usually carry occupational accident instead. We will tell you which one fits your operation.
- General liability. Ports, warehouses, and shippers in Virginia often require general liability on top of your trucking policy. If your customer demands it, we add it.
New authority in Virginia
- Your BMC-91 filing. We file your proof of insurance with the FMCSA so your new authority activates without delays. You do not have to figure out the forms.
- Your UCR registration. Virginia interstate carriers register under the Unified Carrier Registration every year. We will make sure it is on your radar and help you stay compliant.
- Watch the minimum limits trap. Federal minimum is $750,000 liability for general freight, but new authority carriers on minimums will struggle to get loaded. Virginia brokers and port customers expect $1,000,000 liability and $100,000 cargo. Budget for it from day one.
What truck insurance costs in Virginia
A typical owner-operator running a full package (liability, cargo, physical damage) in Virginia usually lands around $12,000 to $18,000 per year. New authority carriers usually pay $18,000 to $30,000 or more in the first year. Virginia-specific note: heavy I-95 corridor running can mean higher premiums because of traffic density and accident rates, while regional work along I-81 and port drayage with a clean record can price more favorably.
Cities we serve across Virginia
- Norfolk home to the Port of Virginia and major container and intermodal freight.
- Richmond at the I-64/I-95 crossroads with distribution and manufacturing freight.
- Arlington in the Northern Virginia corridor feeding D.C. metro distribution and construction.
- Roanoke on I-81 with manufacturing and regional distribution freight.
- Harrisonburg in the Shenandoah Valley with food processing and ag freight on I-81.
Why truckers use an independent agent
We are independent, which means we shop your coverage across 15+ A-rated carriers instead of selling you one company’s policy. We re-shop your renewals so you are not stuck overpaying year after year. One call to us handles certificates, endorsements, and policy changes. And when something goes wrong, you call us, not a 1-800 number. We know your name and your operation.
Frequently asked questions
How much does truck insurance cost in Virginia?
Most owner-operators pay $12,000 to $18,000 per year for a full package. New authority carriers usually pay $18,000 to $30,000 or more in year one. Record, equipment, cargo, and lanes all factor in.
What are the minimum insurance limits in Virginia?
Interstate carriers need $750,000 liability for general freight and $300,000 for household goods under federal rules. Brokers typically require $1,000,000 liability and $100,000 cargo.
Can I get insurance with a brand new MC number in Virginia?
Yes. We insure new authority carriers in Virginia regularly. Expect higher first-year premiums and carry $1,000,000 liability and $100,000 cargo so you can book good freight.
Does Virginia require workers comp for truck drivers?
Virginia’s workers comp rules generally apply when you have employees. Most leased-on owner-operators carry occupational accident coverage instead. Tell us your setup and we will point you the right direction.
I do port drayage out of Norfolk. Anything I need to know?
Port work usually means trailer interchange or chassis coverage and sometimes higher cargo requirements from the steamship lines. We write port truckers and can build the policy to meet Port of Virginia requirements.
How fast can I get covered?
Usually we can quote you the same day and bind within 24 to 48 hours. Call (980) 475-8075 and we will get started.
State & Co Insurance LLC
11220 Elm Lane Suite 202, Charlotte, NC 28277
(980) 475-8075 | kevin@statecoinsurance.com
