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Search by Quote ID → Search by Date of BirthMercury Car Insurance in Richmond
Choosing Mercury means opting for peace of mind, knowing you’re protected by a company that truly understands your needs. Whether you’re navigating through winter snow, the occasional heavy rains, or Richmond’s bustling downtown area, our auto insurance coverage can help you stay fully protected on the road.
Why Mercury?
- Cheap car insurance rates: We offer some of the most competitive rates in Richmond, so you can be sure you’re getting the best value for your money.
- Local agents: Our team of friendly, knowledgeable local agents is here to answer your questions and help you find the right coverage for your needs.
- Flexible coverage options: We offer various coverage options so you can customize your policy to fit your budget and driving habits.
- 24/7 claims service: File your claim online or over the phone any time or day and get back on the road as soon as possible.
Is Auto Insurance Mandatory in Richmond?
Yes, auto insurance is mandatory in Richmond, just like the rest of Virginia. You must carry at least the minimum required auto insurance coverage to legally drive in Richmond.
Legal Requirements to Drive in Richmond
According to the Virginia Department of Motor Vehicles, all drivers must have the following liability insurance coverage requirements:
- Bodily injury liability: $30,000 per person and $60,000 per accident. This covers the costs if you’re responsible for injuring someone in an accident.
- Property damage liability: $20,000 per accident. This helps cover the cost of damages to someone else’s property if you’re at fault in an accident.
- Uninsured/underinsured motorist coverage: The minimum is equal to your bodily injury and property damage liability limits. This protects you if you’re involved in an accident with a driver who doesn’t have adequate insurance.
Optional Coverages in Richmond
While the state-mandated requirements offer basic protection, you may want to consider additional coverages for more comprehensive protection:
- Collision protection: This covers the cost of repairs to your vehicle if you're involved in an accident, regardless of who is at fault.
- Comprehensive coverage: This protects you against non-collision-related incidents like theft, vandalism, and natural disasters.
- Medical payments coverage (MedPay): MedPay helps pay for medical expenses for you and your passengers, regardless of who’s at fault.
- Rental car coverage: This covers the cost of a rental car while your vehicle is being repaired after an accident.
- Roadside assistance: This provides services like towing, battery jump-starts, and flat tire changes if you break down.
What Does Richmond Auto Insurance Not Cover?
While auto insurance in Richmond offers a range of protections, it’s important to understand what it doesn’t cover. Here are some common exclusions:
- Regular wear and tear: Standard policies won't cover routine maintenance or your vehicle's natural wear and tear over time. This includes things like brake replacements, oil changes, or worn-out tires.
- Intentional damage: Any damage you intentionally cause to your own vehicle will not be covered by your insurance policy. This includes acts of vandalism or intentional collisions.
- Racing and stunts: Damage from participating in racing events, stunts, or other high-risk activities is typically excluded from coverage.
- Commercial use: If you use your personal vehicle for business purposes, such as delivery services or ridesharing without proper coverage, any incidents that occur during these activities may not be covered.
- Personal belongings: Items inside your car, such as electronics, clothing, or other personal belongings, are not covered under auto insurance. You would need homeowners or renters insurance for these items.
Get Cheap Auto Insurance in Richmond From Mercury
Mercury is committed to offering affordable auto insurance options for Richmond drivers. Our competitive rates and extensive coverage options ensure you get the protection you need without breaking the bank. Plus, we offer several ways to save even more on your premium.
Save More with Discounts
At Mercury, we believe in rewarding safe driving and loyal customers. Here are some of the discounts you might qualify for:
- Multi-car discount: Save when you insure more than one vehicle with Mercury.
- Good driver discount: Enjoy lower rates if you have a clean driving record.
- Good student discount: Students with good grades can benefit from reduced premiums.
- Anti-theft discount: Install anti-theft devices in your vehicle to qualify for savings.
These are just a few ways to save on your auto insurance. Ask your Mercury agent about all available discounts to maximize your savings.
Bundling with Mercury
By bundling your auto insurance with home insurance or renters insurance, you can enjoy big savings and the convenience of managing all your policies in one place.
- Richmond home insurance: Protect your home with a comprehensive policy from Mercury. Our home insurance covers everything from your dwelling to personal belongings and liability protection, ensuring peace of mind.
- Richmond renters insurance: Even if you rent, protecting your personal belongings and liability is important. Our renters insurance provides affordable coverage for your possessions and can help you save when bundled with auto insurance.
Questions About Richmond Auto Insurance, Answered
How much is car insurance in Richmond, VA?
According to Policygenius, the average cost of car insurance in Richmond is $1,467 per year.
Does Virginia require full coverage car insurance?
No, Virginia doesn’t require full coverage car insurance, but having additional protection, such as collision and comprehensive, can provide greater peace of mind than settling for the state’s mandated minimum coverage requirements.
Which type of auto insurance is required by Virginia at a minimum?
Virginia requires the following coverages:
- Bodily injury liability: $30,000 per person and $60,000 per accident.
- Property damage liability: $20,000 per accident.
- Uninsured/underinsured motorist coverage: The minimum is equal to your bodily injury and property damage liability limits.
What is the new law in Virginia about car insurance?
The state is increasing the minimum coverage requirement limits for policies effective on or after Jan. 1, 2025. The following are the new limits:
- Bodily injury liability: $50,000 per person and 1000,000 per accident.
- Property damage liability: $25,000 per accident.
What products does Mercury offer in Richmond?
Mercury offers the following products to Richmond residents: