Affordable Commercial Auto Insurance Virginia
Protect Your Business Vehicles and Employees in Virginia
From the busy logistics hubs of Richmond to service fleets in Norfolk and construction crews in Roanoke, Virginia businesses rely on their vehicles to keep operations running. At Blake Insurance Group, we provide affordable commercial auto insurance in Virginia that protects your vehicles, drivers, and financial future—so you can stay focused on growing your business.
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Why Small Businesses in Virginia Need Commercial Auto Insurance
If your business owns or operates vehicles in Virginia, commercial auto insurance isn’t optional—it’s legally required. Even a minor fender bender involving a work truck or van can result in medical expenses, property damage, and legal liability. Without the right coverage, your business could face unexpected costs that threaten your bottom line.
Commercial auto insurance provides a financial safety net for your business and ensures compliance with Virginia state laws.
Coverage Options for Business Auto Insurance in Virginia
At Blake Insurance Group, we tailor your commercial auto policy to meet your business’s specific needs. Common coverage options include:
Liability Coverage – Required by law to cover property damage and injuries to others.
Collision Coverage – Pays for vehicle damage if your business vehicle is in a crash.
Comprehensive Coverage – Covers theft, fire, vandalism, falling objects, and weather-related damage.
Medical Payments Coverage – Covers medical expenses for your drivers and passengers.
Uninsured/Underinsured Motorist – Protects you if another driver causes an accident and lacks sufficient insurance.
Hired & Non-Owned Auto (HNOA) – Covers personal vehicles used for business and rentals.
Towing & Rental Reimbursement – Keeps your team on the road even after a loss.
Policies are flexible—choose what fits your vehicles, risk level, and business operations.
Who Needs Commercial Vehicle Insurance in Virginia?
You need commercial auto insurance in Virginia if your business:
Owns, leases, or rents vehicles for work
Uses personal vehicles for deliveries or client visits
Has employees driving for business purposes
Operates a service-based company that travels to job sites
Runs any kind of food truck, mobile service unit, or delivery operation
If you use a vehicle for anything beyond commuting, a commercial policy is necessary for proper protection and legal compliance.
Industries We Insure: Contractors, Delivery, Trucking, and More
At Blake Insurance Group, we provide commercial auto insurance to a wide range of industries across Virginia, including:
Construction and general contractors
HVAC, plumbing, and electricians
Landscaping and lawn care
Local freight and trucking companies
Delivery and courier services
Medical transport and NEMT
Food trucks and mobile service providers
Janitorial and cleaning companies
Whether you’re a sole proprietor or managing a team of 50, we have a solution for your business.
Fleet Insurance Solutions for Small and Mid-Sized Businesses in Virginia
If your business operates multiple vehicles, our fleet insurance programs are designed to make your life easier. With one policy, you can manage several vehicles and drivers while enjoying multi-vehicle discounts and streamlined claims.
Fleet benefits include:
Simplified billing and renewals
Flexible per-driver or per-vehicle coverage
Discounted premiums for safe drivers
Risk management tools for fleet owners
Fast support when you need to file a claim
We’ll work with you to develop a fleet plan that keeps your operations efficient and protected.
Why Choose Blake Insurance Group for Your Commercial Auto Insurance Needs
As an independent agency, Blake Insurance Group compares rates from multiple top-rated commercial auto carriers to ensure you get the best price and policy. We’re proud to serve Virginia’s small businesses with transparency, speed, and ongoing support.
Why clients choose us:
✅ Local knowledge of Virginia commercial insurance laws
✅ Personalized support from licensed agents
✅ Fast, free quotes from top-rated insurers
✅ Flexible policy options tailored to your business
✅ Easy claims handling and renewals
We’re here to help you insure smarter, not spend more.
Get a Fast, Free Quote for Commercial Auto Insurance in Virginia
Don’t wait until an accident happens. Let us help you protect your business vehicles with the right commercial auto policy. Get a fast, no-obligation quote from Blake Insurance Group today and compare your options with confidence.
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Our Service Areas for Business Auto Insurance Near You
We proudly serve business owners and fleet managers across the Commonwealth of Virginia, including:
Richmond
Virginia Beach
Norfolk
Chesapeake
Arlington
Roanoke
Alexandria
Newport News
Hampton
Lynchburg
Fredericksburg
And surrounding cities and rural areas
Wherever you’re located in Virginia, Blake Insurance Group is here to help you protect your vehicles and your business.
FAQs: Affordable Commercial Auto Insurance Virginia
Is commercial auto insurance required in Virginia?
Yes. As of July 1, 2024, all vehicles registered in Virginia must carry auto liability insurance. For policies effective before January 1, 2025, the minimum required limits are $30,000 for bodily injury to one person, $60,000 per accident, and $20,000 for property damage. For policies effective on or after January 1, 2025, these limits increase to $50,000/$100,000/$25,000. Failure to maintain insurance can result in suspension of driving and registration privileges, fines, and reinstatement fees.
Who needs commercial auto insurance in Virginia?
Any business that owns, leases, or uses vehicles for business purposes—such as deliveries, transporting goods, or visiting clients—must have commercial auto insurance. This includes cars, vans, trucks, and specialty vehicles.
What does commercial auto insurance cover in Virginia?
Typical coverages include:
- Bodily injury and property damage liability (required)
- Medical payments or personal injury protection
- Uninsured/underinsured motorist coverage (required)
- Collision and comprehensive (optional)
- Rental car coverage
What is not covered by commercial auto insurance?
Common exclusions are intentional damage, damage from pollutants, and injuries covered by workers’ compensation. Cargo or customer property in transit may require separate coverage.
How much does commercial auto insurance cost in Virginia?
The average cost is about $2,212 per year, or $184 per month. Rates vary based on vehicle type, business use, location, driver history, and coverage options. Many small businesses pay less than $100 per month.
Does commercial auto insurance cover personal use?
If employees are permitted to use business vehicles for personal reasons, the policy generally covers accidents during those trips. Always confirm with your agent.
Is commercial auto insurance tax deductible in Virginia?
Yes. Premiums paid for commercial auto insurance are generally tax deductible as a business expense. Keep documentation for your tax advisor.
What happens if I don’t have commercial auto insurance in Virginia?
You risk suspension of your driver’s license and vehicle registration, a $600 noncompliance fee, and the requirement to file an SR-22 certificate for three years. You’ll also be personally liable for all damages and legal costs resulting from an accident.
What types of vehicles are covered?
Commercial auto insurance in Virginia can cover cars, pickup trucks, vans, box trucks, service utility trucks, dump trucks, tractor-trailers, and more, as long as they’re used for business purposes.
How do I buy commercial auto insurance in Virginia?
Work with a licensed Virginia insurance agent. You’ll need vehicle and driver information to get a quote. Compare coverage options and rates to find the best fit, then bind your policy by making the first payment.
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Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Blake Nwosu
Owner & Principal Agent