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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. Plus, you can save on your premium with our selection of exclusive discounts, including multi-car, accident-free, paid-in-full, and multi-policy savings.
Why Choose Mercury for Richmond Car Insurance?
- Cheap car insurance rates and discounts: We offer some of the most competitive rates in Richmond, so you can be sure you’re getting the best value for your money. You can also save even more by taking advantage of our available discounts, including multi-car, multi-policy, good payer, and electric vehicle discounts.
- 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.
Minimum Coverage Requirements in Richmond
According to the Virginia Department of Motor Vehicles, all drivers must have the following liability insurance coverage requirements:
- Bodily injury liability: $50,000 per person and $100,000 per accident. This covers the costs if you’re responsible for injuring someone in an accident.
- Property damage liability: $25,000 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.
Types of Auto Insurance Coverage
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, 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.
How to Get Car Insurance in Richmond
At Mercury, we make getting car insurance in Richmond simple and stress-free. Whether you’re buying your first car or switching providers, our local experts are here to guide you. We’ll help you choose the right coverage and unlock all available discounts to get you the best deal possible.
Start your coverage today by contacting a Virginia Insurance Agent, or call us at (888) 520-2332.
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: Insure more than one vehicle on your policy and save up to 16%.
- 3-year accident-free discount: Stay violation- and accident-free for three years to earn a 5% discount.
- Paid in full discount: Pay your premium upfront and get up to 14% off.
- Automatic payment discount: Set up recurring payments through your bank account and save 4%.
- Electric vehicle discount: Drive an EV? You could receive a 5% discount.
- Good payer discount: If you’ve had no late payments or NSF charges over the last 35 months, you could qualify for an additional 5% savings.
- Multi-policy discount: Bundle your auto policy with home or renters insurance and save up to 14%.
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.
Top-Rated Auto Insurance in Richmond
Mercury Insurance is proud to be recognized as one of the top-rated auto insurance providers in Richmond. Our commitment to affordable rates, reliable coverage, and responsive customer service has earned us the trust of drivers across Virginia.
Read real customer reviews to learn more about why so many Richmond drivers choose Mercury for their car insurance needs.
Great having Mercury
Very good service.
Loved my experience
Explained everything in full, been awhile since I had to do this, she gave me ease of mind. Thank you.
I will continue to use Mercury they have been very good
Very helpful when I need them.
Learn More About Car Insurance
Check out these expert resources to help you learn more about car insurance:
Understanding the Types of Auto Insurance Discounts
Discounts on Car Insurance for Multiple Vehicles: Explained
Why Reviewing Insurance Policies Annually Makes Sense and Saves You MoneyRichmond Car Insurance FAQ
How much is car insurance in Richmond, VA?
According to Bankrate, the average cost of full coverage car insurance in Richmond is $190 per month or $2,280 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 coverage, 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: $50,000 per person and $100,000 per accident.
- Property damage liability: $25,000 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 $100,000 per accident.
- Property damage liability: $25,000 per accident.
Why is my car insurance so high in Virginia?
Car insurance rates in Virginia can be higher due to a combination of factors, including rising accident rates, increased repair and medical costs, severe weather events, and higher rates of theft and vandalism, especially in urban areas. Also, personal factors—e.g., your driving record, the type of car you drive, where you live, your age, and your credit score—can influence your individual rate.
How can I lower my car insurance rate in Richmond?
There are several effective ways to lower your car insurance premium in Richmond:
- Bundle home and auto insurance policies
- Maintain a clean driving record
- Choose a higher deductible
- Take advantage of discounts
- Review coverage annually
Contact a local Mercury agent to help you find the best ways to lower your rate.
What products does Mercury offer in Richmond?
Mercury offers the following products to Richmond residents: