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Bundle your Virginia auto insurance with Esurance home insurance to score our Multi-Policy discount.

affordable car insurance in virginia

You can't drive far in Virginia before encountering an iconic landmark or monument of American history — the first English settlement in Jamestown, the birthplace of one of 8 presidents, wild ponies roaming freely on Assateague Island, or infamous battle sites from the Civil War, just to name a few. Before you head out to explore the wealth of history in Old Dominion, be sure you're protected with the right Virginia car insurance.

Esurance can provide car insurance quotes for a policy that meets (at least) the minimum Virginia auto insurance requirements, which consist of liability and uninsured/underinsured motorist coverage. State law requires that you have car insurance before registering a vehicle and purchasing license plates (even in the case of antique cars), or you may be fined $500 and/or lose your drivers license. Fortunately, you can give proof of your insurance digitally on your smartphone. (Plus, you can use Esurance's free mobile app for 24/7 access to ID cards and policy documents too. How's that for convenience?)

However, if you don't have car insurance in Virginia, you can pay the state an uninsured motorist fee of $500 a year. Paying this fee allows you to drive legally and register your car, but it doesn't provide any financial protection in the event of an accident. Instead of going without, look to Esurance for competitive quotes and a range of discounts that make Virginia car insurance rates affordable.

Virginia drivers should keep a few more things in mind before embarking on historic road trips: Special restrictions for teen drivers include a curfew, limits to the number of passengers they may have in the vehicle, and a ban on mobile phone use. And be advised that having a radar detector in your car is illegal in Virginia — even if it's turned off or doesn't work.

Finding a car insurance estimate from Richmond to Virginia Beach is easy with Esurance's CoverageMyWay®. Use it to compare rates online — including "full coverage" (comprehensive and collision coverages) and basic liability insurance — and meet Virginia car insurance requirements.

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The woman who handled my claim was excellent. I made one phone call, sent one email, and three days later I had a check and a resolution to my problem. Keep up the good work.

— Aaron, Virginia

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
  • Defensive Driver discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Homeowners discount
  • Multi-Policy discount
  • Switch & Save® discount
  • Good Student discount
  • Anti-Theft discount
  • Safety Device discount
  • Online Shopper 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).

Our Renters Plus® discount*

Now you can protect your valuables in Virginia just as easily as you protect your car. With our Renters Plus discount, you could save big on your car insurance by adding renters coverage to your policy. It's one way we strive to streamline insurance and help you save the smart way.

car insurance coverages in virginia

Required coverages

All drivers in the Old Dominion are required to have at least the following coverages and limits on their policies:

  • Liability coverage
    • $25,000 in bodily injury liability per person
    • $50,000 in bodily injury liability per incident
    • $20,000 in property damage liability per incident
  • Uninsured/underinsured motorist coverage
    • $25,000 in uninsured/underinsured motorist bodily injury per person
    • $50,000 in uninsured/underinsured motorist bodily injury per incident
    • $20,000 in uninsured/underinsured motorist property damage 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 auto repair costs for you and your passengers if you're involved in an accident caused by a driver without sufficient liability insurance limits.

Optional coverages

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

  • 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 (aka "gap") coverage

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

facts about driving in virginia

Uninsured drivers in Virginia

A report from the Insurance Research Council estimated that 9.9 percent of Virginia drivers were uninsured in 2015, which was below the national average of 13 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.)

Digital proof of insurance in Virginia

No one likes frantically searching for auto insurance ID cards in the unfortunate event they get pulled over. Luckily, Virginia state law allows electronic proof of insurance — meaning ID cards displayed on your smartphone or other device are considered sufficient evidence of car coverage.

If you're an Esurance customer in Virginia, you can take advantage of our easy-to-use mobile app, where you can access your ID cards and manage your policy 24/7.

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 10 most stolen cars of 2016 in Virginia were:

  1. 2002 Honda Accord
  2. 2016 Toyota Camry
  3. 2004 Ford pickup (full size)
  4. 1998 Honda Civic
  5. 2015 Nissan Altima
  6. 2003 Chevrolet Pickup (full size)
  7. 2015 Toyota Corolla
  8. 2008 Chevrolet Impala
  9. 2002 Ford Explorer
  10. 2015 Nissan Sentra

esurance-approved repair shops in virginia

If you're an Esurance customer, you can take your 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

Car insurance comparison
Compare auto insurance quotes from our trusted partner companies.

Types of car insurance
There's a lot more to auto insurance than just basic liability coverage. Learn more here.

"Full coverage" car insurance
Despite the term being quite popular, "full coverage" car insurance really just means having comprehensive and collision coverages on your auto policy.

Low cost auto insurance
Check out all the ways you could be saving on already-affordable car insurance from Esurance.

Virginia DMV
Still want more info on all things auto insurance in Virginia? Take a peek at the VA DMV's site.

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

Deductibles: the basics
It's important to know what your out-of-pocket cost might be if you ever file a claim.

Wonder if you could be saving on car insurance?

Get your free quote online.

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