Commercial Auto Insurance in Virginia

If your Virginia business relies on vehicles to get the job done, commercial auto insurance can help keep your operations running smoothly. From delivery vans in Richmond to contractor trucks in Roanoke, GEICO offers reliable coverage for a wide range of business vehicles. Let us help you find the right protection so you can focus on what matters most: growing your business.

What is Commercial Auto Insurance in Virginia?

Commercial auto insurance covers vehicles used for business purposes, whether you’re delivering goods or hauling tools to a job site. Unlike personal auto insurance, which covers your vehicle for everyday use like commuting or running errands, commercial auto insurance provides protection tailored to business operations. This includes higher liability limits, coverage for multiple drivers, and options for vehicles like box trucks, cargo vans, and utility pickups. It’s important to make sure that all drivers of the vehicle(s) are listed under the policy too.

With GEICO’s Commercial Auto insurance, policyholders can also drive vehicles for personal use without needing a separate policy.

Who Needs Commercial Auto Insurance in Virginia?

If you use your vehicle for work beyond just commuting, chances are you need commercial auto insurance. Types of professionals that typically need commercial auto policies include:

• Electricians, plumbers, and HVAC professionals who transport tools and equipment to job sites
• Carpenters, painters, and general contractors using work vans or trucks
• Landscapers and snow plow services with trailers or expensive equipment
• Caterers and food vendors delivering meals, supplies, or running mobile kitchens
• Long-haul trucking companies transporting goods across Virginia or out of state
• Real estate agents, sales professionals, and other businesses that drive to conduct business off-site

Minimum Virginia Commercial Auto Insurance Requirements

Virginia law only requires a minimum amount of liability insurance for commercial auto policies. Below are the general requirements. However, some businesses may be required to carry higher limits depending on the type of vehicle being insured and its intended use. We suggest consulting with a GEICO insurance specialist before purchasing a policy.

FMCSA and USDOT Compliance for Commercial Vehicles in Virginia

FMCSA (Federal Motor Carrier Safety Administration) and USDOT (U.S. Department of Transportation) rules are safety and legal standards that businesses must follow when using commercial vehicles, especially if they cross state lines or work in certain industries.

In Virginia, if your business uses commercial vehicles, you must have a USDOT number, keep track of safety records, follow rules about driving hours, do regular vehicle checks, and make sure drivers are qualified. Having commercial auto insurance is a big part of following these rules—it not only meets legal requirements but also shows that your business can pay for accidents or damage if something goes wrong.

Without the right insurance, your business could face fines, be forced to stop operating, or get into legal trouble. That’s why it’s so important for Virginia businesses to have the proper coverage to stay safe and follow the rules.

Optional Commercial Auto Coverages & Add-Ons in Virginia

In Virginia, businesses are required to have a minimum amount of commercial auto liability insurance. But many businesses also choose to add extra coverage to make sure they’re fully protected if an accident happens.

GEICO offers several optional coverages for commercial auto insurance in Virginia that can give business owners extra peace of mind:

• Liability Coverage: Pays for injuries or damage you cause to other people or their property in an accident.
• Collision Coverage: Helps pay for damage to your own vehicle after a crash, no matter who’s at fault.
• Comprehensive Coverage: Covers things like theft, vandalism, or damage from storms or other events not related to a crash.
• Medical Payments Coverage: Helps pay medical bills for you and your passengers if you're hurt in an accident.
• Uninsured/Underinsured Motorist Coverage: Protects you if someone hits you and they don’t have enough or any insurance.
• Emergency Roadside Service: Provides help if you get locked out, have a flat tire, need a jump start, or break down.
• Rental Reimbursement: Helps cover the cost of a rental vehicle while yours is being repaired after a covered accident.
• Expanded Towing: Pays for your vehicle to be towed to the repair shop of your choice.

Virginia-Specific Commercial Auto Coverage Requirements

Some commercial drivers in Virginia may need to file an SR-22 or FR-44 form if they’ve had serious driving problems, like a DUI, driving without insurance, or causing an injury in a hit-and-run. These forms show the DMV that you have the required amount of insurance for a certain time—usually three years. If your business vehicle is involved in one of these cases, GEICO can file the SR-22 or FR-44 for you online and help keep your business running smoothly.

Types of Vehicles Covered in Virginia

Virginia commercial auto insurance covers a wide range of vehicles used for business purposes, including:

• Business Vehicles: Cars, SUVs, and pickup trucks used for deliveries, errands, or other business tasks.
• Contractor Vehicles: Work vans and trucks used to carry tools, equipment, and supplies.
• Delivery & Service Vehicles: Vans or trucks used for making deliveries, doing repairs, or going to service calls—even refrigerated trucks.
• Food Trucks & Restaurant Vehicles: Food trucks, catering vans, and vehicles used for food delivery are protected against physical damage and damage to permanently attached equipment. However, food spoilage, foodborne illness, product liability (hot beverages), equipment breakdowns, and allergic reactions are not covered. Food-related illnesses fall under General Liability since the customer is “injured” by the business.
• Heavy Trucks: Big vehicles like tractor-trailers, dump trucks, box trucks, and flatbeds used to carry cargo or goods.
• Owner-Operator Trucks: Trucks or vans run by independent drivers, even if they’re leased to a company.
• Non-Trucking Liability: Covers trucks when they’re not carrying cargo or being sent on a job

Factors Affecting the Cost of Virginia Commercial Auto Insurance

The cost of commercial auto insurance in Virginia can be different for each business depending on a few important things. One big factor is the type of work you do—for example, a landscaping company that hauls heavy equipment will likely pay more than a real estate agent who just drives to house showings. The kind of vehicle you use and how often you use it also matters. Bigger trucks or vehicles that are driven a lot usually cost more to insure than smaller cars used only once in a while.

Your driving record—and your employees’—can affect your rate, too. Safe driving usually means lower prices, while past tickets or accidents can raise costs.

How to Save on Commercial Auto Insurance in Virginia

GEICO offers several car insurance discounts to help Virginia businesses get good coverage at a price they can afford, including:

• Pay in Full: You can save money by paying your entire bill at once instead of monthly payments.
• DriveEasyPro Rewards and Savings: Our telematics program can reward you with lower rates for safe driving. DriveEasy Pro is designed to help you understand your driving habits and may help you unlock savings.
• Vehicle Equipment Features: Business vehicles with certain safety features such as anti-lock brakes, airbags, anti-theft devices, or auxiliary running lamps may qualify for lower rates.
• Good Driving Record: Drivers with clean records may qualify for lower rates because they’re less likely to be involved in accidents.
• Defensive Driving Discount: Eligibility varies by state, but completing a defensive driving course may help you save even more.
• CDL Experience Discount: Based on the number of drivers with a Commercial Driver’s License (CDL), your business may be eligible for extra savings.

Why Choose GEICO for Virginia Commercial Auto Insurance?

When it comes to keeping your business safe on the road, GEICO has years of experience and is known for reliable coverage. We offer commercial auto insurance that fits your business, whether you use one work truck in Charlottesville or have several delivery trucks in Northern Virginia. No matter if you drive cars, vans, trucks, or special vehicles, GEICO has a plan that works for you.

Our coverage is flexible and works for many jobs, like construction, towing, catering, or real estate. We also make it easy to file claims quickly, so your business doesn’t slow down. With custom plans and great customer service, GEICO helps you get the right protection at a price that makes sense.

How to Get a Virginia Commercial Auto Insurance Quote from GEICO

Getting a commercial auto insurance quote from GEICO is quick and hassle-free. You can start your quote online, give us a call at 866-509-9444, or contact us online whatever works best for your schedule. Our goal is to make the process simple so you can get back to running your business.

To speed things up, make sure you have the following information ready:

• Business name and contact details
• Federal Employer Identification Number (EIN) or Social Security Number (SSN)
• Type of business and how vehicles are used
• Vehicle information (make, model, year, VIN, and type of business)
• Driver information (license numbers and driving history)
• Desired coverage limits and any existing insurance details