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Should I get the Virginia state-minimum insurance requirements for my motorcycle?

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?

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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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