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 personalized Virginia car insurance quote, CoverageMyWay®, only from Esurance, automatically goes to work for you to help you prioritize your coverage options based on the info you provide, helping you make smarter decisions about protection.
Whether you live in Richmond, Virginia Beach, or anywhere in between, we're sure all Virginia residents stand to benefit from our top-notch customer service and simple policy management.
"Best of Service"
"The customer staff are very caring. They answer questions promptly and have helped in all my inquiries."
— Linda K.
"Beat all other pricing while not making me sacrifice my personalized coverage."
— Douglas F.
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
All Virginia drivers 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.
These additional coverages in Virginia can give you added financial protection and peace of mind if you ever need to file a claim:
- Medical expense
- Income loss
- Emergency Roadside Service
- Transportation expense (like rental car coverage)
- Excess electronic equipment
- Loan/lease gap
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
A report from the Insurance Research Council estimated that 10.1 percent of Virginia drivers were uninsured in 2012, which was below the national average of 12.6 percent.
Uninsured/underinsured motorist coverage, which is required, offers financial protection from uninsured drivers and from drivers with insufficient liability limits.
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.)
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.
If you have trouble finding car insurance in Virginia, you can contact a licensed agent about Virginia's Automobile Insurance Program (VAIP).
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 2013 in Virginia were:
- 1997 Honda Accord
- 2005 Ford Pickup (full size)
- 2012 Nissan Altima
- 2013 Toyota Camry
- 1998 Honda Civic
- 2000 Chevrolet Pickup (full size)
- 2002 Ford Explorer
- 1998 Jeep Cherokee/Grand Cherokee
- 2005 Toyota Corolla
- 2005 Dodge Caravan
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.
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.