Average home insurance cost in Virginia
Virginia sits comfortably in the affordable half of the country at #24 of 51, about 9% below the national average — roughly $225 a year cheaper than the typical American homeowner pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Virginia compares with its neighbors
| State | Annual premium | Difference vs VA |
|---|---|---|
| Virginia | $2,265 | — |
| Maryland | $2,375 | +$110/yr |
| North Carolina | $3,025 | +$760/yr |
| West Virginia | $2,465 | +$200/yr |
| Washington, D.C. | $1,645 | −$620/yr |
Virginia home insurance FAQ
How much is homeowners insurance in Virginia?
Home insurance in Virginia averages $2,265 per year — about $189 per month — for a benchmark policy with $400,000 in dwelling coverage, $300,000 liability and a $1,000 deductible. Your rate depends on your home's age, construction, location and claim history.
Is home insurance in Virginia more expensive than average?
No. Virginia's average of $2,265/year is about 9% below the U.S. average of $2,490/year, ranking #24 of 51 (1 = cheapest).
How can I lower my home insurance bill in Virginia?
The four moves that reliably work: compare quotes from at least three carriers (the biggest lever — gaps of $1,000+ per year for identical coverage are common), raise your deductible to an amount you could cover in an emergency, bundle home and auto with one carrier for a 10–25% discount, and ask about discounts for wind-resistant roofing, monitored security systems and claim-free history.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare home insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.