🏠 Home insurance cost in Richmond, VA (2026)
Estimated average: $1,610 per year — -30% vs. the U.S. average of $2,300.
$1,610
Est. home insurance in Richmond
per year
$1,610
Virginia average
$2,300
U.S. average
229,395
Population
Estimate your home insurance in Richmond
Richmond home insurance estimator
Estimated$1,014/year
Starts from the Richmond estimate. Get quotes to confirm your price.
Richmond home insurance FAQ
How much is home insurance in Richmond, VA?
The estimated average is $1,610 per year — about the state average (0% vs. the Virginia average of $1,610, and -30% vs. the U.S. average).
Is home insurance more expensive in Richmond than elsewhere in Virginia?
Richmond has about 229,395 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Richmond?
Compare at least three quotes from insurers active in Richmond, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.