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virginia car insurance

Virginia, we know you're often referred to as the Old Dominion, but that doesn't mean your car insurance has to be old school. Esurance embraces innovative online technology that makes the insurance process hassle-free, and saves you both time and money.

When you get a Virginia car insurance quote, you'll gain instant access to our interactive insurance guide, Coverage Counselor®, which helps you tailor your policy coverages and limits to your needs.

Whether you live in Richmond, Virginia Beach, or anywhere in between, we're sure all Virginia residents will benefit from joining the Esurance family.

Virginia auto insurance discounts from Esurance

Good news, Virginians: we have a bunch of discounts to help residents of your superb state save some cash on car insurance. Here are a few:

  • Claim-Free discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Homeowners discount
  • Online Shopper discount™
  • Switch & Save® discount
  • Good Student discount
  • Anti-Theft discount
  • Safety Device discount

Discounts may vary. If you're a current Esurance policyholder and have questions about your discounts in Virginia, call us at 1-800-ESURANCE (1-800-378-7262).

Car insurance coverages in Virginia

Required coverages

All Virginia drivers are required to have the following coverages and minimum limits on their policies:

  • Liability coverage
    • $25,000 in bodily injury liability coverage per person
    • $50,000 in bodily injury liability coverage per incident
    • $20,000 in property damage liability coverage per incident
  • Uninsured/underinsured motorist coverage
    • $25,000 in bodily injury coverage per person
    • $50,000 in bodily injury coverage per incident
    • $20,000 in property damage coverage per incident

If you're found at fault in an accident, liability coverage can help pay for others' medical expenses and damaged property. Uninsured/underinsured motorist coverage can help pay for medical and repair costs for you and your passengers if you're involved in an accident caused by a driver without sufficient liability insurance coverage.

Optional coverages

These additional coverages in Virginia give you added financial protection and peace of mind if you ever need to file a claim:

  • Collision coverage (aka comprehensive coverage)
  • Collision coverage
  • Medical expense coverage
  • Income loss coverage
  • Emergency roadside service
  • Transportation expense (like rental car coverage)
  • Excess electronic equipment coverage
  • Loan/lease gap coverage

Discounts may vary. If you're a current Esurance policyholder and have questions about your discounts, please call us at 1-800-ESURANCE (1-800-378-7262).

Facts about driving in Virginia

Uninsured drivers in Virginia

A recent report from the Insurance Research Council estimated that 11 percent of Virginia drivers were uninsured, which was below the national average of 13.8 percent.

Uninsured/underinsured motorist coverage, which is required, offers financial protection from uninsured drivers and from drivers with insufficient liability limits.

The uninsured motorist fee

If you don't have car insurance, you can legally drive by paying the DMV an uninsured motorist fee of $500. (This satisfies your legal requirement and allows you to register a car, but it offers no financial protection in the event of an accident.)

Alternative car insurance options

If you have trouble finding car insurance in Virginia, you can contact a licensed agent about Virginia's Automobile Insurance Program (VAIP).

Stolen cars in Virginia

If you live in an area with a high theft rate, you could pay more for car insurance to make up for the added risk. The D.C. area, including Arlington and Alexandria, reported 11,599 stolen cars in 2012 (according to data from the National Insurance Crime Bureau). Virginia Beach, Norfolk, and Newport News had a combined total of 2,581.

The 10 most stolen cars of 2011 in Virginia were:

  1. 1994 Honda Accord
  2. 2005 Ford Pickup (full size)
  3. 2000 Honda Civic
  4. 2011 Toyota Camry
  5. 2000 Dodge Caravan
  6. 2010 Toyota Corolla
  7. 2002 Ford Explorer
  8. 1995 Chevrolet Pickup (full size)
  9. 2006 Nissan Altima
  10. 2005 Jeep Grand Cherokee

Esurance-approved repair shops in Virginia

If you're an Esurance customer, you can take a damaged car to shops in our E-star®network. E-star body shops feature RepairView®, our online repair monitoring service, and they guarantee repairs for as long as you own the car.

Find an E-star shop near you.

Related links

After your car is stolen
What if your car is stolen? Read up on how to handle the situation.

The Esurance Coverage Counselor®
We can help you customize a car insurance policy that meets your needs.

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