Best and cheapest homeowners insurance in Virginia for 2026

Best homeowners insurance company in Virginia: Virginia Farm Bureau

The best home insurance company in Virginia, according to our ratings, is Virginia Farm Bureau. Erie Insurance, State Farm, American Family and Nationwide are among the other top home insurance companies in Virginia.

The total Insurance.com score is calculated on a scale of 5 using these factors: price, NAIC complaints, and A.M. Best financial ratings.

Best home insurance companies in Alaska

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Table

Company	AM Best	Average annual rate	NAIC complaint ratio	Insurance.com score
Virginia Farm Bureau	A	$1,080	0.2	4.73
Erie Insurance	A+	$1,706	0.54	4.37
State Farm	A++	$1,451	1.01	4.2
American Family	A	$871	1.1	4.12
Nationwide	A	$1,732	1	3.91
Progressive	A+	$1,363	1.36	3.86
Allstate	A+	$1,857	1.32	3.73
Farmers	A	$3,186	0.81	3.58

Read our methodology

Cheapest home insurance company in Virginia: American Family

American Family has the most affordable rates in all coverage levels except for $600,000 and $1,000,000 dwelling coverage.

The table below shows home insurance rates for Virginia insurers for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible.

Cheapest home insurance in Virginia
Company	$200,000	$300,000	$400,000	$600,000	$1,000,000
American Family	$674	$871	$1,213	$2,300	$4,681
Virginia Farm Bureau	$819	$1,080	$1,315	$1,929	$3,298
Progressive	$1,070	$1,363	$1,687	$2,365	$3,776
State Farm	$1,150	$1,451	$1,749	$2,385	$3,534
Erie Insurance	$1,227	$1,706	$2,220	$3,124	$5,203
Nationwide	$1,221	$1,732	$2,031	$2,934	$4,842
Allstate	$1,611	$1,857	$2,181	$2,974	$4,705
Farmers	$2,142	$3,186	$4,434	$7,046	$12,004
Travelers	$4,398	$5,116	$6,284	$9,092	$15,303

Read our methodology

How much is homeowners insurance in Virginia?

The average cost of homeowners insurance in Virginia is $2,151 a year or $179 a month. This is based on coverage of:

$300,000 dwelling
$300,000 liability
$1,000 deductible.
2% Hurricane deductible

Rates vary based on a lot of factors, so you should compare quotes from several homeowners insurance companies to get the best deal.

Virginia home insurance rates by ZIP code

Since home insurance rates can vary greatly depending on where your home is located, it’s important to compare rates by ZIP code to see how areas stack up.

Use the home insurance calculator below to see the average rates in an area. Enter your ZIP code and coverage level to compare high and low premiums from major home insurers and see how much you can save by shopping around.

Home insurance calculator by ZIP code

Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive
Least expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

ZIP code	City	Lowest rate
78559	Iglesia Antigua	$1,956
78593	Santa Rosa	$1,999
79915	El Paso	$2,008
79905	El Paso	$2,009

Read our methodology

The Virginia State Corporation Commission says...

Ask your agent if he charges additional fees over and above his commission. Agents are allowed to charge fees for services, such as photocopying, mailing, and faxing, as long as the applicant or policyholder consents in writing before the services are performed. A schedule of fees must be kept in the agent's office. If you think your agent is charging too much, check with other agents to find out if they charge additional fees.

- The Virginia State Corporation Commission

What are the most expensive ZIP codes in Virginia for home insurance?

Virginia homeowners insurance rates are the most expensive for ZIP code 23356, with an average annual cost of $3,309.

The most expensive ZIP codes in Virginia are:

ZIP code	Average annual rate
23356	$3,309
23337	$3,280
23454	$3,277
23354	$3,232
23417	$3,229
23303	$3,214

Read our methodology

What are the least expensive ZIP codes in Virginia for home insurance?

The cheapest ZIP code in Virginia for home insurance is 22301, with an average annual cost of $1,673. The top five cheapest ZIP codes are:

ZIP code	Average annual rate
22301	$1,673
22201	$1,705
22044	$1,707
22207	$1,707
22203	$1,709
22332	$1,716

Read our methodology

Virginia homeowners insurance rates by county

Falls Church is the cheapest county in Virginia for homeowners insurance at an average of $130 a month. At $272 a month, Virginia Beach is the most expensive county.

Use the map below to compare average rates by county in Virginia to see which areas are cheaper.

Map

Table

Average annual premium

$1,560

$3,268

County	Average annual premium	Average monthly premium
Accomack	$3,004	$250
Albemarle	$1,775	$148
Alexandria	$1,583	$132
Alleghany	$1,976	$165
Amelia	$2,196	$183
Amherst	$1,907	$159
Appomattox	$2,088	$174
Arlington	$1,573	$131
Augusta	$1,797	$150
Bath	$2,011	$168
Bedford	$1,884	$157
Bedford City	$1,892	$158
Bland	$1,960	$163
Botetourt	$1,792	$149
Bristol	$1,984	$165
Brunswick	$2,439	$203
Buchanan	$2,401	$200
Buckingham	$2,017	$168
Buena Vista	$1,737	$145
Campbell	$1,983	$165
Caroline	$2,097	$175
Carroll	$2,016	$168
Charles City	$2,152	$179
Charlotte	$2,371	$198
Charlottesville	$1,734	$144
Chesapeake	$2,841	$237
Chesterfield	$1,958	$163
Clarke	$1,911	$159
Craig	$1,974	$165
Culpeper	$1,962	$164
Cumberland	$2,219	$185
Danville	$2,046	$171
Dickenson	$2,421	$202
Dinwiddie	$2,298	$191
Essex	$2,183	$182
Fairfax	$1,629	$136
Fairfax city	$1,621	$135
Falls Church	$1,560	$130
Fauquier	$1,818	$151
Floyd	$1,976	$165
Fluvanna	$1,873	$156
Franklin	$2,022	$168
Frederick	$1,876	$156
Fredericksburg	$1,775	$148
Galax	$1,994	$166
Giles	$1,972	$164
Gloucester	$2,382	$198
Goochland	$2,206	$184
Grayson	$2,027	$169
Greene	$1,912	$159
Greensville	$2,478	$206
Halifax	$2,340	$195
Hampton	$2,972	$248
Hanover	$1,883	$157
Harrisonburg	$1,778	$148
Henrico	$1,842	$154
Henry	$2,120	$177
Highland	$2,028	$169
Isle Of Wight	$2,629	$219
James City	$2,064	$172
King And Queen	$2,230	$186
King George	$2,013	$168
King William	$2,172	$181
Lancaster	$2,357	$196
Lee	$2,242	$187
Loudoun	$1,690	$141
Louisa	$1,945	$162
Lunenburg	$2,364	$197
Lynchburg	$1,952	$163
Madison	$2,087	$174
Mathews	$2,715	$226
Mecklenburg	$2,416	$201
Middlesex	$2,517	$210
Montgomery	$1,828	$152
Nelson	$1,972	$164
New Kent	$2,172	$181
Newport News	$2,515	$210
Newport News City	$2,476	$206
Norfolk	$2,942	$245
Northampton	$3,093	$258
Northumberland	$2,485	$207
Nottoway	$2,169	$181
Orange	$1,892	$158
Page	$1,867	$156
Patrick	$2,230	$186
Pittsylvania	$2,191	$183
Poquoson	$2,763	$230
Portsmouth	$2,813	$234
Powhatan	$2,034	$170
Prince Edward	$2,232	$186
Prince George	$2,285	$190
Prince William	$1,753	$146
Pulaski	$1,983	$165
Radford	$1,928	$161
Rappahannock	$2,094	$174
Richmond	$2,161	$180
Richmond City	$2,062	$172
Roanoke	$1,758	$146
Roanoke City	$1,774	$148
Rockbridge	$1,885	$157
Rockingham	$1,722	$144
Russell	$2,199	$183
Scott	$2,348	$196
Shenandoah	$1,867	$156
Smyth	$2,056	$171
Southampton	$2,585	$215
Spotsylvania	$1,838	$153
Stafford	$1,826	$152
Suffolk	$2,744	$229
Surry	$2,501	$208
Sussex	$2,377	$198
Tazewell	$2,101	$175
Virginia Beach	$3,268	$272
Warren	$1,855	$155
Washington	$2,023	$169
Westmoreland	$2,204	$184
Williamsburg	$2,071	$173
Winchester	$1,811	$151
Wise	$2,225	$185
Wythe	$1,984	$165
York	$2,400	$200

Read our methodology

Compare homeowners insurance rates by city in Virginia

The table below displays average rates across various cities, where home insurance rates are influenced by factors such as weather, crime, and property values. Virginia Beach has the highest premiums at $2,519, while Harrisonburg is the cheapest at $1,311.

City	Annual insurance premium
Fishersville	$1,333
Galax	$1,512
Harrisonburg	$1,311
Lynchburg	$1,457
Norfolk	$2,187
Virginia Beach	$2,519
Williamsburg	$1,615
Winchester	$1,364

Read our methodology

How much homeowners insurance do you need in Virginia?

Unlike car insurance, there is no law requiring you to have home insurance or specifying the minimum coverage you need. To get the right coverage for your home, you need to consider:

Replacement cost: How much would it cost to rebuild your home?
Other structures: Typically 10% of your dwelling coverage, you may need more if you have outbuildings
Personal property: Inventory your belongings to get an idea of how much coverage you need

To help you shop for coverage, here’s a look at the basic components of home insurance, and how much to get to make sure you’re not underinsured.

What does home insurance cover

Methodology

Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 20,739,560 insurance quotes from 81 insurance companies across 34,588 ZIP codes to determine the average premiums.

The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:

$300,000 dwelling coverage
$300,000 liability protection
$1,000 deductible
2% hurricane deductible where appropriate.

To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.

FAQ: Virginia home insurance

Is damage from wind and hail covered by home insurance in Virginia?

Wind and hail damage are typically covered by standard home insurance policies. However, some insurance companies may include a separate deductible for hurricane damage. Also, some home insurance policies do not cover cosmetic damage from hail.

Is flood damage covered by homeowners insurance in Virginia?

No. You need to buy a separate flood insurance policy from a private company or through the federal National Flood Insurance Program (NFIP). There is typically a 30-day waiting period for a new flood insurance policy to take effect, so you can’t wait until a hurricane is about to hit and expect to buy a policy that will protect you immediately.