🏠 Home insurance cost in Virginia (2026)
The estimated average is $1,610 per year — below the national average (-30% vs. the U.S. average of $2,300).
Virginia is home to about 8.7 million people, and home insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Virginia Beach typically differ from smaller towns.
Estimate your home insurance in Virginia
Virginia home insurance estimator
Starts from the Virginia average. Estimate only — get quotes to confirm.
Home insurance cost in Virginia cities
| City | Population | Est. home insurance |
|---|---|---|
| Virginia Beach | 455,618 | $1,674 |
| Chesapeake | 251,269 | $1,674 |
| Arlington | 234,000 | $1,610 |
| Norfolk | 232,995 | $1,610 |
| Richmond | 229,395 | $1,610 |
| Newport News | 183,790 | $1,610 |
Virginia home insurance FAQ
How much is home insurance in Virginia?
The estimated average home insurance in Virginia is $1,610 per year, which is below the national average (-30% vs. the U.S. average of $2,300). Virginia ranks 37 of 51 states from most to least expensive.
Why is home insurance cheaper in Virginia?
Home insurance pricing in Virginia reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the South.
How can I save on home insurance in Virginia?
Compare at least three quotes from insurers active in Virginia, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.