🏠 Home insurance cost in Richmond, VA (2027)
Estimated average: $1,610 per year — -30% vs. the U.S. average of $2,300.
With about 229,395 residents, Richmond is a large city and the #5 largest city in Virginia. Home insurance rates here are estimated at $1,610 per year, near the Virginia average of $1,610 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Richmond with other Virginia cities.
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Richmond home insurance estimator
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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.