- Best homeowners insurance companies in Virginia: Erie Insurance
- Cheapest home insurance companies in Virginia: American Family
- How much is homeowners insurance in Virginia?
- Virginia home insurance rates by ZIP code
- Virginia homeowners insurance rates by county
- Compare homeowners insurance rates by city in Virginia
- Basics of homeowners insurance in Virginia
- Methodology
- Virginia home insurance FAQs
- Compare Virginia homeowners insurance rates with other states
Best homeowners insurance companies in Virginia: Erie Insurance
The best home insurance company in Virginia for 2024 is Erie Insurance. State Farm, American Family, Nationwide, and Farmers are among other top home insurance companies in Virginia based on price, NAIC complaints, and AM Best financial ratings.
The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | NAIC complaint ratio | Insurance.com score | Average annual rate |
|---|---|---|---|---|
| Erie Insurance | A+ | 0.52 | 4.70 | $1,706 |
| State Farm | A++ | 0.83 | 4.35 | $1,451 |
| American Family | A | 0.80 | 3.98 | $871 |
| Nationwide | A+ | 1.05 | 3.83 | $1,732 |
| Farmers | A | 0.67 | 3.81 | $3,186 |
| Allstate | A+ | 1.46 | 3.62 | $1,857 |
| Progressive | A+ | 2.71 | 3.04 | $1,363 |
| Travelers | A++ | 1.10 | 2.89 | $5,116 |
Cheapest home insurance companies in Virginia: American Family
Below are Virginia home insurance rates by company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our analysis, you’ll see American Family has the most affordable rates in all coverage levels except for $600,000 and $1,000,000 dwelling coverage.
| 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 |
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
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare price quotes from different Virginia homeowners insurance companies to get the best deal.Â
Virginia home insurance rates by ZIP code
Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Virginia to see which areas are the most and least expensive.
Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.
Home insurance calculator by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| 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 |
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 CommissionThe most expensive ZIP codes in Virginia for home insuranceÂ
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 |
The least expensive ZIP codes in Virginia for home insurance
The cheapest ZIP codes for home insurance in Virginia are:
| ZIP code | Average annual rate |
|---|---|
| 22301 | $1,673 |
| 22201 | $1,705 |
| 22044 | $1,707 |
| 22207 | $1,707 |
| 22203 | $1,709 |
| 22332 | $1,716 |
Virginia homeowners insurance rates by county
Home insurance rates in Virginia vary by county. Take a look at the average rates by county in Virginia below to see how costs compare.
| 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 |
Compare homeowners insurance rates by city in Virginia
Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Virginia.
City Annual insurance premium
Basics of homeowners insurance in Virginia
Unlike car insurance, there is no law requiring you to have home insurance or defining how much coverage you need. But similar to car insurance, homeowners insurance rates vary significantly among insurance companies because each carrier uses its own formula to set rates. How much you pay for Virginia home insurance depends on the value and materials of your home and belongings, as well as the number and cost of insurance claims in your area. So, like auto insurance, the best way to find cheap home insurance in Virginia is to compare rates from at least three insurance companies.
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.
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.
Virginia home insurance FAQs
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.
Compare Virginia homeowners insurance rates with other states
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