Car Insurance in Virginia Beach, VA

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Mercury Car Insurance in Virginia Beach

Whether you’re cruising along the scenic Oceanfront or commuting on I-264, you can count on Mercury to provide comprehensive auto insurance tailored specifically for Virginia Beach’s driving conditions and requirements. From our cheap car insurance rates to our easy claims process, our benefits ensure peace of mind both on and off the road.

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Sad woman talking on cell phone near wrecked car

Is Auto Insurance Mandatory in Virginia Beach?

Virginia used to be one of the few states that didn’t require drivers to carry car insurance. Instead, the state allowed vehicle owners to pay a $500 Uninsured Motor Vehicle (UMV) fee to the Virginia Department of Motor Vehicles (DMV) to register an uninsured vehicle. However, a recent bill repealed the UMV fee, mandating drivers to carry auto insurance by July 1, 2024.

Legal Requirements to Drive in Virginia Beach

According to the Virginia DMV, the state requires drivers to maintain minimum liability coverage:

  • Bodily injury: $30,000 per person and $60,000 per accident
  • Property damage: $20,000 per accident

On Jan. 1, 2025, the state will raise the minimum coverage requirements to:

  • Bodily injury: $30,000 per person and $60,000 per accident
  • Property damage: $20,000 per accident

Liability coverage helps protect your finances if you’re at fault in an accident that causes injury to another person or damage to someone else’s property. This coverage can include legal fees, medical expenses for injuries, and repair or replacement costs for damaged property.

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Optional Virginia Beach Car Insurance Coverage

While liability insurance covers damages to other parties when you are at fault in an accident, optional car insurance coverages are available to provide additional protection for your vehicle and personal circumstances. Here are some key optional coverages that you may consider to enhance your auto insurance policy:

  • Collision coverage: Collision coverage helps pay for repairs or replacement of your vehicle if it is damaged in an accident, regardless of who is at fault. It’s particularly valuable if you own a newer or higher-value vehicle.
  • Comprehensive coverage: Comprehensive coverage offers protection against risks that don’t involve a collision with another vehicle, including theft, vandalism, fire, natural disasters, and collisions with animals.
  • Uninsured/underinsured motorist coverages: Un and underinsured coverage protects you if you’re involved in an accident with a driver who’s either uninsured or doesn’t have sufficient insurance to cover the damages.
  • Medical payments coverage: Often referred to as MedPay, this coverage assists with medical expenses for you and your passengers, regardless of fault, following an accident. Personal injury protection (PIP): Similar to MedPay, PIP extends further by also covering other expenses such as lost wages, rehabilitation services, and funeral costs.
  • Personal injury protection (PIP): Similar to MedPay, PIP extends further by also covering other expenses such as lost wages, rehabilitation services, and funeral costs.

What Does Virginia Beach Auto Insurance Not Cover?

Auto insurance in Virginia Beach provides essential protection, but there are several instances where coverage might not apply. Here are common exclusions in auto insurance policies:

  • Personal belongings: Items stolen from your vehicle, such as electronics, personal valuables, or even beach gear left after a day at Sandbridge, are not covered under standard auto insurance policies. Homeowners or renters insurance typically covers these items.
  • Wear and tear: Regular maintenance issues or the natural deterioration of your vehicle are not covered.
  • Business use: Using your personal vehicle for business purposes, such as making deliveries or transporting customers around tourist hotspots like the Boardwalk, typically requires business auto insurance coverage.
  • Intentional damage: Any damage you intentionally cause to your vehicle is not covered.
  • Damage from unapproved use: If you use your vehicle for certain unapproved purposes, such as racing on the back roads of Pungo, any resulting damages are typically not covered.

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Get Cheap Auto Insurance in Virginia Beach from Mercury

Finding cheap auto insurance in Virginia Beach doesn’t have to be a challenge. Mercury offers affordable policies that don’t compromise coverage. Take advantage of our cost-effective solutions and start saving today.

Save More with Discounts

Mercury offers a variety of discounts that can help lower your auto insurance premiums. You can benefit from safe driver discounts, good student discounts, multi-car discounts, and more. Speak with a Mercury agent to discover which discounts you qualify for and how much you can save.

Bundling with Mercury

By combining policies, you can enjoy reduced rates and the convenience of managing fewer policies with one provider. Bundle your auto insurance with home or renters insurance and save even more.

  • Virginia Beach home insurance: Protect your home and belongings from the unexpected. Our home insurance policies are designed to give you peace of mind, knowing your property is secure.
  • Virginia Beach renters insurance: Renters insurance covers your belongings from theft or damage and can provide liability protection if someone is injured in your rental.

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Virginia Beach roadway

Virginia Beach Insurance FAQ

How much is car insurance in Virginia Beach?

According to the Value Penguin, the average cost of car insurance in Virginia Beach is $60 per month for minimum coverage and $133 per month for full coverage. These costs are lower than the national averages of $64 per month for minimum coverage and $164 per month for full coverage.

How to find the cheapest car insurance in Virginia Beach?

If you’re looking for cheap car insurance, Mercury offers competitively priced policies that cater specifically to the needs of Virginia Beach drivers. Whether you’re navigating the bustling streets of Town Center or enjoying a peaceful drive along the Chesapeake Bay, Mercury has the right coverage at the right price. Contact us today for a fast, free quote.

How do I find a Mercury Agent in Virginia Beach?

Visit the Virginia Insurance Agents page to find an agent in your area.

What products does Mercury offer in Virginia Beach?