Q: Should I get the Virginia state-minimum insurance requirements for my motorcycle?
Apr 23, 2021

I just bought my first motorcycle, and I need to insure it before I get on the road. I was thinking of just getting the Virginia state-minimum requirements because I don't plan on driving too much until I'm comfortable. Should I do this?

Answer provided by
Eric Schad
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“As a general rule, you should never get the state-minimum liability insurance in Virginia, or in any other state for that matter.

The state minimums typically won’t cover anything outside of a minor accident, so opting for a bit more coverage is a better idea.

Since you’re in Virginia, you’ll need liability coverage and uninsured/underinsured motorist coverage. A 250/500/100 policy should be enough to cover your expenses if an uninsured driver hits you, while the same limits will more than likely cover damage you cause to others.”

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