(800) 956-3728 
Tell us about your residence
Welcome back!
You can pick up from where you left by retrieving your quote below.
Search by Quote ID → Search by Date of BirthMercury 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. You can also save even more with our selection of exclusive discounts, including multi-car, accident-free, and paid-in-full savings.
Why Choose Mercury for Virginia Beach Car Insurance?
- Affordable rates and discounts: Mercury offers some of the most competitive car insurance rates in Virginia Beach. Plus, you can unlock even more savings through discounts, including multi-car (up to 16%), multi-policy (up to 14%), paid-in-full (up to 14%), accident-free (5%), automatic payment (4%), electric vehicle (5%), and good payer (5%) discounts.
- Local expertise: Our friendly, knowledgeable local agents understand the driving conditions in Virginia Beach—from beachside cruising to busy commuter routes—and can help you choose the right policy for your lifestyle and budget.
- Customizable coverage options: Whether you’re looking for basic liability coverage or comprehensive protection, Mercury offers flexible options to tailor your policy to your needs.
- 24/7 claims support: When the unexpected happens, Mercury is by your side. Our 24/7 claims service means help is always just a click or call away.
Is Auto Insurance Mandatory in Virginia Beach?
Yes, car insurance is mandatory in Virginia Beach. To comply with Virginia state laws, all drivers must carry the minimum required auto insurance coverage.
Minimum Coverage Requirements in Virginia Beach
According to the Virginia DMV, the state requires drivers to maintain minimum liability coverage:
- Bodily injury: $50,000 per person and $100,000 per accident
- Property damage: $25,000 per accident
- Uninsured/underinsured motorist coverage: This coverage matches your liability limits and protects you if you’re hit by a driver with little or no insurance.
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.
Contact us today for a fast, free quote!Types of Auto 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.
- 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.
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.
How to Get Car Insurance in Virginia Beach
At Mercury, we make getting car insurance in Virginia Beach simple and hassle-free. Whether you're purchasing a new vehicle or looking to switch providers, our local agents are ready to help you every step of the way. We’ll work with you to find the right coverage, apply all eligible discounts, and make sure you get the best value for your policy.
Start your coverage today by connecting with a Virginia Insurance Agent, or call us at (855) 261-4933 for a fast, free quote.
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, including:
- Multi-car discount: Insure more than one vehicle with Mercury and save up to 16%.
- 3-year accident-free discount: Stay violation- and accident-free for three years and earn a 5% discount.
- Paid-in-full discount: Pay your entire premium upfront and enjoy savings of up to 14%.
- Automatic payment discount: Set up automatic payments from your bank account and receive a 4% discount.
- Electric vehicle discount: Drive an EV? You could qualify for a 5% discount.
- Good payer discount: Avoid late or NSF charges for 35 consecutive months and get a 5% discount.
- Multi-policy discount: Bundle your auto insurance with a home or renters policy and save up to 14%
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.
Top-Rated Auto Insurance in Virginia Beach
Mercury is recognized as a top-rated auto insurance provider in Virginia Beach for our affordable rates, dependable coverage, and exceptional customer service. Whether you’re commuting through city traffic or taking a scenic drive along the coast, you can count on us to deliver insurance you can trust.
Read real customer reviews to see why Mercury is a trusted name in auto insurance.
Mercury is my #1 choice!
We have only had a few claims but the have always been handled quickly, efficiently & courteously!
Great service and a great value!
Looking forward to a long relationship with Mercury!
Great service!!
So helpful and easy to work with, understood exactly what my needs were. After bad experiences with my last provider, this was a welcome change!
Learn More About Car Insurance
Want to better understand your coverage? Explore these resources to get informed and make smarter insurance decisions.
Why Did My Car Insurance Go Up?
Tips for Understanding Auto and Homeowners Policies
Does Bundling Insurance Actually Save You Money?Virginia Beach Car Insurance FAQ
How much is car insurance in Virginia Beach?
According to Bankrate, the average cost of full coverage car insurance in Virginia Beach is $191 per month or $2,289 per year.
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?
Visit the Virginia Insurance Agents page to find an agent in your area.
What products does Mercury offer in Virginia Beach?
Mercury offers several products to Virginia Beach residents, including:
- Virginia Auto Insurance
- Virginia Homeowners Insurance
- Condo Insurance
- Virginia Renters Insurance
- Mechanical Protection
- Richmond Auto Insurance
- Virginia Beach Auto Insurance
How can I lower my car insurance rate in Virginia Beach?
You can lower your rate by taking advantage of Mercury’s discounts, like multi-car, multi-policy, accident-free, and good payer savings. Maintaining a clean driving record, bundling policies, choosing a higher deductible, and driving a safe vehicle can also help reduce your premium. For personalized savings, speak with a local Mercury agent.