Best Virginia Homeowners Insurance for 2026
Farm Bureau has the state’s best overall home insurance, but Chubb may be best for expensive homes
- Farm Bureau offers strong coverage options and competitive rates, making it the best overall homeowners insurance company in Virginia.
- Homeowners insurance costs an average of $2,762 per year in Virginia.
- Hurricane and flood risk should be big considerations for Virginia homeowners, even for those who live inland from the coast.
Best homeowners insurance in Virginia
Finding the right home insurance in Virginia means weighing more than just price. The best policy balances affordable rates, solid coverage options and relevant discounts.
We selected the companies below based on those factors, paying particular attention to Virginia’s risk of hurricanes and tropical storms along the Atlantic coast as well as the flood-prone conditions that affect many other areas of the state.
Best overall: Farm Bureau
Average annual rate: $2,195
Why we chose it: Farm Bureau combines low rates with solid customer satisfaction, making it the strongest all-around option for most Virginia homeowners. It gets 40% fewer complaints than other companies of its size, according to the National Association of Insurance Commissioners (NAIC)
Who it’s best for: Homeowners who want a balance of affordability, coverage and customer service without having to trade one for another.
PROS
- Lower-than-average homeowners insurance rates
- Policyholders gain access to additional perks, like discounts on travel and hotels
- Below-average number of customer complaints
CONS
- Quotes not available online
- Membership in the Farm Bureau is required, which comes with an annual fee
- Agent access may be more limited in urban areas of Virginia
Best cheap home insurance: State Farm
Average annual rate: $1,067
Why we chose it: State Farm offers the lowest annual rate of the companies we surveyed, making it the best option for Virginia homeowners focused on keeping costs down. It has a broad network of local agents across the state, plus a range of discounts, including for hurricane-resistant windows and protective home upgrades.
Who it’s best for: Virginia homeowners who want reliable coverage from a nationally recognized company without paying more than necessary. State Farm does get more customer complaints than other companies its size, according to the NAIC, but its low rates may still make a policy worth it.
PROS
- Cheap rates
- Large network of local agents for personalized service
-
Rated well for financial stability
AM Best Financial Strength ratings indicate an insurance company’s ability to pay out policyholder claims. The higher the score the better.
CONS
- Roofing discounts are not available in Virginia
- Fewer discounts and add-on coverages than some other companies
- Higher-than-average number of customer complaints
Best for high-value homes: Chubb
Average annual rate: $5,179 for coverage with a $750,000 dwelling limit
Why we chose it: Chubb specializes in high-value homes and includes coverage features many of its competitors either don’t provide or charge extra for, such as extended replacement cost
Who it’s best for: Owners of high-value or custom-built homes who need coverage limits and features that go beyond what standard homeowners policies offer.
PROS
- Includes extended replacement cost coverage
- Above-average customer satisfaction ranking by J.D. Power
- Very well rated for financial stability
CONS
- Rates are higher than average
- Quotes not available online; must work with an independent agent
- Fewer discounts than some competitors
Compare home insurance rates and ratings in Virginia
| Company | Average annual rate * | LendingTree rating | NAIC Complaint rating* | |
|---|---|---|---|---|
 | State Farm | $1,067 | 4.5/5 | 1.4 |
 | Cincinnati | $1,483 |  3/5 | 0.2 |
 | Nationwide | $2,163 | 3/5 | 1.2 |
 | Farm Bureau | $2,195 | 4/5 | 0.6 |
 | Mercury | $2,554 |  3.5/5 | 1.4 |
 | Allstate | $2,856 | 3/5 | 1.2 |
 | Universal | $3,068 | N/A | 2.7 |
 | Auto-Owners | $4,221 |  5/5 | 0.5 |
 | Erie | $5,255 | 4.5/5 | 0.5 |
In Virginia, rates can vary significantly between insurers. Getting quotes from multiple companies and comparing options can help you find better pricing and coverage.
LendingTree analyzed thousands of quotes from top insurers across Virginia to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
How much is homeowners insurance in Virginia?
The average cost of home insurance in Virginia is $2,762.
Besides coverage limits, the age of your home is one of the biggest factors affecting your homeowners’ insurance premium. Colonial, Federal and Victorian-era homes are common in Virginia, especially in Alexandria, Richmond, Charlottesville, Williamsburg and Fredericksburg.
It typically costs more to insure an older home because of their hard-to-replace features, strict preservation rules and often outdated electrical and plumbing systems.
Homeowners in coastal areas of the state also tend to pay more for home insurance because of the higher risk of hurricanes and storm damage. In some locations, Virginia insurance companies will apply a separate, higher deductible to wind, hail, or named storm claims.
Average home insurance rates by dwelling coverage amount
Dwelling coverage is the part of your policy that pays to rebuild your home if it’s destroyed in a covered claim, such as a fire or hurricane. The right amount of dwelling coverage should be estimated based on your home’s size, age and local construction costs.
The table below shows average home insurance rates in Virginia for different dwelling limits.
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| State Farm | $919 | $1,067 | $1,259 | $1,499 |
| USAA | N/A | N/A | N/A | N/A |
| Chubb | $2,230 | $2,941 | $3,945 | $5,179 |
| State average | $2,232 | $2,762 | $3,635 | $4,713 |
Virginia home insurance rates by city
Where you live in the Old Dominion state has a big impact on what you pay for homeowners’ insurance. The state’s most affordable policies are found in inland communities like McGaheysville, Massanutten and the University of Virginia area, which all have average annual rates that cost less than $1,700 per year. These are all located in the Shenandoah Valley, well away from the coast and its higher risk of storms and hurricanes.
Homeowners in the small Eastern Shore communities of Fort Monroe, Seaview and Virginia Beach pay the highest average annual rates, more than $3,900 per year. These are low-lying coastal areas on the Virginia Peninsula, where properties may be just a few feet above sea level.
| City | Average rate |
|---|---|
| Abingdon | $1,946 |
| Accomac | $3,379 |
| Achilles | $3,425 |
| Adwolf | $1,951 |
| Afton | $1,778 |
| Alberta | $2,382 |
| Aldie | $1,790 |
| Alexandria | $1,859 |
| Altavista | $2,030 |
| Alton | $2,246 |
| Amelia Court House | $2,184 |
| Amherst | $1,882 |
| Amissville | $1,830 |
| Ammon | $2,596 |
| Amonate | $2,128 |
| Andover | $2,668 |
| Annandale | $1,884 |
| Appalachia | $2,203 |
| Appomattox | $2,065 |
| Aquia Harbour | $1,759 |
| Ararat | $2,214 |
| Ark | $3,009 |
| Arlington | $1,753 |
| Aroda | $1,924 |
| Arrington | $1,974 |
| Arvonia | $2,116 |
| Ashburn | $1,669 |
| Ashland | $1,958 |
| Assawoman | $3,410 |
| Atkins | $1,986 |
| Atlantic | $3,193 |
| Augusta Springs | $1,787 |
| Austinville | $2,043 |
| Axton | $2,111 |
| Aylett | $2,160 |
| Bacova | $1,818 |
| Bailey’s Crossroads | $1,902 |
| Banco | $1,836 |
| Bandy | $2,141 |
| Barboursville | $1,825 |
| Barhamsville | $2,244 |
| Barren Springs | $2,018 |
| Baskerville | $2,327 |
| Bassett | $2,027 |
| Bastian | $2,053 |
| Basye | $1,773 |
| Batesville | $2,379 |
| Battery Park | $3,214 |
| Bealeton | $1,758 |
| Beaumont | $2,305 |
| Beaverdam | $1,987 |
| Bedford | $2,005 |
| Bee | $2,228 |
| Belle Haven | $2,434 |
| Bellwood | $2,073 |
| Belmont | $1,671 |
| Belspring | $1,900 |
| Belview | $1,831 |
| Ben Hur | $2,665 |
| Bena | $2,563 |
| Benns Church | $3,030 |
| Bensley | $2,043 |
| Bent Mountain | $1,847 |
| Bentonville | $1,805 |
| Bergton | $1,709 |
| Berryville | $1,811 |
| Bethel Manor | $3,194 |
| Big Island | $1,941 |
| Big Rock | $2,247 |
| Big Stone Gap | $2,162 |
| Birchleaf | $2,313 |
| Birdsnest | $3,739 |
| Bishop | $2,616 |
| Blacksburg | $1,739 |
| Blackstone | $2,263 |
| Blackwater | $2,209 |
| Blairs | $2,091 |
| Bland | $2,083 |
| Bloxom | $3,327 |
| Blue Grass | $1,873 |
| Blue Ridge | $1,795 |
| Bluefield | $2,027 |
| Bluemont | $1,844 |
| Bohannon | $2,820 |
| Boissevain | $2,047 |
| Bon Air | $2,008 |
| Boones Mill | $1,852 |
| Boonesville | $1,726 |
| Boston | $1,901 |
| Bowling Green | $1,997 |
| Boyce | $1,879 |
| Boydton | $2,349 |
| Boykins | $2,682 |
| Bracey | $2,345 |
| Brambleton | $1,662 |
| Branchville | $2,653 |
| Brandermill | $2,011 |
| Brandy Station | $1,847 |
| Breaks | $2,714 |
| Bremo Bluff | $1,902 |
| Bridgewater | $1,675 |
| Brightwood | $1,939 |
| Bristol | $1,876 |
| Bristow | $1,878 |
| Broad Run | $1,881 |
| Broadford | $2,000 |
| Broadlands | $1,662 |
| Broadway | $1,659 |
| Brodnax | $2,474 |
| Brooke | $2,782 |
| Brookneal | $2,128 |
| Brownsburg | $1,820 |
| Brucetown | $2,368 |
| Bruington | $2,169 |
| Buchanan | $1,845 |
| Buckhall | $1,833 |
| Buckingham | $2,093 |
| Buena Vista | $1,737 |
| Buffalo Junction | $2,310 |
| Bull Run | $1,812 |
| Bumpass | $1,949 |
| Burgess | $2,871 |
| Burke | $1,877 |
| Burke Centre | $1,891 |
| Burkes Garden | $2,665 |
| Burkeville | $2,165 |
| Burnsville | $1,950 |
| Burr Hill | $1,997 |
| Callands | $2,116 |
| Callao | $2,633 |
| Callaway | $2,042 |
| Calverton | $1,839 |
| Camptown | $2,705 |
| Cana | $2,056 |
| Cape Charles | $3,680 |
| Capeville | $3,899 |
| Capron | $2,586 |
| Cardinal | $3,144 |
| Caret | $2,231 |
| Carrollton | $3,297 |
| Carrsville | $2,909 |
| Carson | $2,288 |
| Cartersville | $2,190 |
| Casanova | $2,334 |
| Cascade | $2,130 |
| Cascades | $1,706 |
| Castleton | $1,909 |
| Castlewood | $2,213 |
| Catawba | $1,761 |
| Catharpin | $1,939 |
| Catlett | $1,864 |
| Cave Spring | $1,660 |
| Cedar Bluff | $2,120 |
| Center Cross | $2,218 |
| Centreville | $1,881 |
| Ceres | $2,039 |
| Chamberlayne | $2,030 |
| Champlain | $2,320 |
| Chantilly | $1,856 |
| Charles City | $2,396 |
| Charlotte Court House | $2,236 |
| Charlottesville | $1,697 |
| Chase City | $2,263 |
| Chatham | $2,172 |
| Chatmoss | $2,029 |
| Check | $1,965 |
| Cheriton | $3,658 |
| Cherry Hill | $1,847 |
| Chesapeake | $3,114 |
| Chester | $2,058 |
| Chester Gap | $1,846 |
| Chesterfield | $2,075 |
| Chilhowie | $2,045 |
| Chincoteague | $3,277 |
| Chincoteague Island | $3,399 |
| Christchurch | $2,597 |
| Christiansburg | $1,767 |
| Church Road | $2,241 |
| Church View | $2,742 |
| Churchville | $1,814 |
| Claremont | $2,416 |
| Clarksville | $2,250 |
| Claudville | $2,169 |
| Claypool Hill | $2,104 |
| Clear Brook | $1,822 |
| Cleveland | $2,176 |
| Clifford | $2,423 |
| Clifton | $1,829 |
| Clifton Forge | $1,755 |
| Clinchco | $2,219 |
| Clintwood | $2,234 |
| Clover | $2,246 |
| Cloverdale | $1,737 |
| Cluster Springs | $2,186 |
| Cobbs Creek | $3,036 |
| Coeburn | $2,205 |
| Coleman Falls | $1,926 |
| Coles Point | $2,831 |
| Collinsville | $2,015 |
| Colonial Beach | $2,239 |
| Colonial Heights | $2,110 |
| Columbia | $2,019 |
| Concord | $1,968 |
| Copper Hill | $2,017 |
| Corbin | $2,520 |
| Countryside | $1,706 |
| County Center | $1,833 |
| Courtland | $2,622 |
| Covesville | $1,834 |
| Covington | $1,748 |
| Craddockville | $3,579 |
| Craigsville | $1,784 |
| Crewe | $2,246 |
| Criders | $1,750 |
| Crimora | $1,759 |
| Cripple Creek | $2,013 |
| Critz | $2,094 |
| Crockett | $2,011 |
| Cross Junction | $1,837 |
| Crosspointe | $1,843 |
| Crozet | $1,717 |
| Crozier | $1,946 |
| Crystal Hill | $2,244 |
| Cullen | $2,115 |
| Culpeper | $1,814 |
| Cumberland | $2,180 |
| Dahlgren | $1,978 |
| Dahlgren Center | $1,981 |
| Dale City | $1,868 |
| Daleville | $1,765 |
| Damascus | $2,024 |
| Dante | $2,270 |
| Danville | $2,097 |
| Davenport | $2,249 |
| Davis Wharf | $3,549 |
| Dayton | $1,672 |
| Deerfield | $1,872 |
| Delaplane | $1,910 |
| Deltaville | $3,071 |
| Dendron | $2,610 |
| Dewitt | $2,351 |
| Diggs | $3,421 |
| Dillwyn | $2,137 |
| Dinwiddie | $2,305 |
| Disputanta | $2,352 |
| Doe Hill | $1,835 |
| Dogue | $2,609 |
| Dolphin | $2,351 |
| Dooms | $1,713 |
| Doran | $2,146 |
| Doswell | $1,982 |
| Drakes Branch | $2,315 |
| Dranesville | $1,818 |
| Draper | $1,931 |
| Drewryville | $2,517 |
| Dry Fork | $2,090 |
| Dryden | $2,271 |
| Dublin | $1,902 |
| Duffield | $2,144 |
| Dugspur | $2,008 |
| Dulles | $2,321 |
| Dulles Town Center | $1,762 |
| Dumbarton | $2,028 |
| Dumfries | $1,856 |
| Dundas | $2,342 |
| Dungannon | $2,151 |
| Dunn Loring | $1,821 |
| Dunnsville | $2,276 |
| Dutton | $2,764 |
| Dyke | $1,726 |
| Eagle Rock | $1,781 |
| Earlysville | $1,733 |
| East Highland Park | $2,114 |
| East Lexington | $1,775 |
| East Stone Gap | $2,150 |
| Eastville | $3,528 |
| Ebony | $2,401 |
| Edinburg | $1,815 |
| Edwardsville | $2,998 |
| Eggleston | $2,017 |
| Elberon | $2,883 |
| Elk Creek | $1,949 |
| Elkton | $1,715 |
| Elkwood | $1,955 |
| Elliston | $1,767 |
| Emory | $1,919 |
| Emporia | $2,464 |
| Enon | $2,094 |
| Esmont | $1,831 |
| Etlan | $1,936 |
| Ettrick | $2,092 |
| Evergreen | $2,654 |
| Evington | $1,983 |
| Ewing | $2,299 |
| Exmore | $3,369 |
| Faber | $1,931 |
| Fair Lakes | $1,857 |
| Fair Oaks | $1,850 |
| Fairfax | $1,949 |
| Fairfax Station | $1,831 |
| Fairfield | $1,825 |
| Fairlawn | $1,838 |
| Falls Church | $1,835 |
| Falls Mills | $2,052 |
| Falmouth | $1,858 |
| Fancy Gap | $2,033 |
| Farmville | $2,097 |
| Farnham | $2,223 |
| Ferrum | $2,079 |
| Fieldale | $2,085 |
| Fincastle | $1,851 |
| Fishers Hill | $2,321 |
| Fishersville | $1,712 |
| Fleet | $3,546 |
| Flint Hill | $2,024 |
| Floris | $1,813 |
| Floyd | $1,973 |
| Ford | $2,300 |
| Forest | $1,781 |
| Fork Union | $1,882 |
| Fort Belvoir | $1,878 |
| Fort Blackmore | $2,238 |
| Fort Defiance | $1,784 |
| Fort Eustis | $3,088 |
| Fort Gregg Adams | $2,180 |
| Fort Hunt | $1,872 |
| Fort Lee | $2,194 |
| Fort Mitchell | $2,725 |
| Fort Monroe | $4,005 |
| Fort Myer | $1,748 |
| Fort Valley | $1,892 |
| Foster | $2,855 |
| Franconia | $1,869 |
| Franklin | $2,555 |
| Franklin Farm | $1,828 |
| Franktown | $3,450 |
| Fredericksburg | $1,788 |
| Free Union | $1,767 |
| Freeman | $2,584 |
| Fries | $2,048 |
| Front Royal | $1,750 |
| Fulks Run | $1,747 |
| Gainesville | $1,791 |
| Galax | $1,972 |
| Gargatha | $3,337 |
| Gasburg | $2,351 |
| Gate City | $2,100 |
| George Mason | $1,868 |
| Glade Hill | $1,994 |
| Glade Spring | $1,954 |
| Gladstone | $1,966 |
| Gladys | $2,017 |
| Glasgow | $1,807 |
| Glen Allen | $2,017 |
| Glen Lyn | $1,947 |
| Glen Wilton | $2,308 |
| Gloucester | $2,727 |
| Gloucester Courthouse | $2,714 |
| Gloucester Point | $2,939 |
| Goldvein | $1,871 |
| Goochland | $1,999 |
| Goode | $1,954 |
| Goodview | $1,864 |
| Gordonsville | $1,867 |
| Gore | $1,823 |
| Goshen | $1,839 |
| Great Falls | $1,790 |
| Green Bay | $2,167 |
| Greenbackville | $3,360 |
| Greenbriar | $1,859 |
| Greenbush | $3,216 |
| Greenville | $1,844 |
| Greenway | $2,310 |
| Greenwood | $1,848 |
| Gretna | $2,161 |
| Grimstead | $3,211 |
| Grottoes | $1,709 |
| Groveton | $1,881 |
| Grundy | $2,178 |
| Gum Spring | $1,985 |
| Gwynn | $3,279 |
| Hacksneck | $3,284 |
| Hadensville | $3,183 |
| Hague | $2,253 |
| Halifax | $2,142 |
| Hallieford | $2,906 |
| Hallwood | $3,349 |
| Hamilton | $1,764 |
| Hampden Sydney | $2,201 |
| Hampden-Sydney | $2,075 |
| Hampton | $3,560 |
| Hanover | $2,008 |
| Harborton | $3,215 |
| Hardy | $1,920 |
| Hardyville | $2,999 |
| Harrisonburg | $1,713 |
| Harriston | $1,721 |
| Hartfield | $2,789 |
| Hayes | $3,005 |
| Hayfield | $1,852 |
| Haymarket | $1,836 |
| Haynesville | $2,367 |
| Haysi | $2,226 |
| Haywood | $1,931 |
| Head Waters | $1,864 |
| Heathsville | $2,901 |
| Henrico | $2,040 |
| Henry | $2,141 |
| Herndon | $1,817 |
| Highland Springs | $2,112 |
| Hillsville | $1,956 |
| Hiltons | $2,172 |
| Hinton | $1,750 |
| Hiwassee | $1,956 |
| Hollins | $1,704 |
| Hollymead | $1,701 |
| Honaker | $2,174 |
| Hood | $1,859 |
| Hopewell | $2,171 |
| Horntown | $3,237 |
| Horse Pasture | $2,033 |
| Horsepen | $2,682 |
| Hot Springs | $1,892 |
| Howardsville | $2,015 |
| Huddleston | $1,874 |
| Hudgins | $2,969 |
| Hume | $1,873 |
| Huntington | $1,812 |
| Huntly | $1,847 |
| Hurley | $2,762 |
| Hurt | $2,102 |
| Hustle | $2,154 |
| Hybla Valley | $1,886 |
| Idylwood | $1,794 |
| Independence | $1,959 |
| Independent Hill | $1,893 |
| Indian Valley | $2,011 |
| Innsbrook | $2,008 |
| Iron Gate | $1,800 |
| Irvington | $2,831 |
| Isle Of Wight | $3,237 |
| Ivanhoe | $2,000 |
| Ivor | $2,777 |
| Ivy | $2,345 |
| Jamaica | $2,805 |
| James Store | $2,989 |
| Jamesville | $3,457 |
| Jarratt | $2,387 |
| Java | $2,214 |
| Jeffersonton | $1,818 |
| Jenkins Bridge | $3,544 |
| Jersey | $2,891 |
| Jetersville | $2,243 |
| Jewell Ridge | $2,096 |
| Jolivue | $1,725 |
| Jonesville | $2,246 |
| Keeling | $2,140 |
| Keen Mountain | $2,708 |
| Keene | $1,827 |
| Keezletown | $1,702 |
| Keller | $3,284 |
| Kenbridge | $2,322 |
| Kents Store | $1,950 |
| Keokee | $2,177 |
| Keswick | $1,787 |
| Keysville | $2,199 |
| Kilmarnock | $2,797 |
| King And Queen Court House | $2,255 |
| King George | $1,961 |
| King William | $2,163 |
| Kings Park | $1,857 |
| Kings Park West | $1,885 |
| Kingstowne | $1,871 |
| Kinsale | $2,334 |
| La Crosse | $2,293 |
| Lacey Spring | $2,245 |
| Lackey | $3,260 |
| Ladysmith | $2,730 |
| Lake Barcroft | $1,850 |
| Lake Caroline | $1,968 |
| Lake Holiday | $1,836 |
| Lake Land’Or | $1,969 |
| Lake Monticello | $1,840 |
| Lake of the Woods | $1,785 |
| Lake Ridge | $1,832 |
| Lake Wilderness | $1,868 |
| Lakeside | $2,023 |
| Lambsburg | $2,022 |
| Lancaster | $2,745 |
| Laneview | $2,371 |
| Lanexa | $2,194 |
| Lansdowne | $1,683 |
| Laurel | $2,026 |
| Laurel Fork | $2,044 |
| Laurel Hill | $1,911 |
| Lawrenceville | $2,417 |
| Lebanon | $2,123 |
| Lebanon Church | $1,846 |
| Leesburg | $1,726 |
| Leon | $1,821 |
| Lexington | $1,775 |
| Lightfoot | $2,983 |
| Lignum | $1,891 |
| Lincoln | $2,309 |
| Lincolnia | $1,899 |
| Linden | $1,793 |
| Linton Hall | $1,826 |
| Linville | $1,688 |
| Little Plymouth | $2,202 |
| Lively | $3,043 |
| Loch Lomond | $1,793 |
| Locust Dale | $1,923 |
| Locust Grove | $1,786 |
| Locust Hill | $2,861 |
| Locustville | $3,685 |
| Long Branch | $1,884 |
| Long Island | $2,194 |
| Loretto | $2,220 |
| Lorton | $1,914 |
| Lottsburg | $2,756 |
| Loudoun Valley Estates | $1,664 |
| Louisa | $1,997 |
| Lovettsville | $1,819 |
| Lovingston | $1,970 |
| Low Moor | $1,765 |
| Lowes Island | $1,729 |
| Lowry | $1,900 |
| Lunenburg | $2,263 |
| Luray | $1,746 |
| Lynch Station | $2,063 |
| Lynchburg | $1,849 |
| Lyndhurst | $1,773 |
| Machipongo | $3,875 |
| Madison | $1,900 |
| Madison Heights | $1,827 |
| Maidens | $1,947 |
| Manakin Sabot | $1,945 |
| Manassas | $1,820 |
| Manassas Park | $1,781 |
| Manchester | $2,003 |
| Mannboro | $2,670 |
| Manquin | $2,181 |
| Mantua | $1,895 |
| Mappsville | $3,312 |
| Marion | $1,950 |
| Marionville | $3,497 |
| Markham | $1,963 |
| Marshall | $1,887 |
| Martinsville | $2,020 |
| Marumsco | $1,853 |
| Maryus | $3,027 |
| Mascot | $2,192 |
| Mason Neck | $1,918 |
| Massanetta Springs | $1,631 |
| Massanutten | $1,647 |
| Mathews | $3,378 |
| Matoaca | $2,070 |
| Mattaponi | $2,166 |
| Maurertown | $1,829 |
| Mavisdale | $2,713 |
| Max Meadows | $1,969 |
| Maxie | $2,198 |
| Mc Clure | $2,193 |
| Mc Coy | $1,874 |
| Mc Dowell | $1,836 |
| Mc Gaheysville | $1,646 |
| Mc Kenney | $2,373 |
| McLean | $1,804 |
| McNair | $1,809 |
| Meadow View | $1,925 |
| Meadowbrook | $2,040 |
| Meadows Of Dan | $2,094 |
| Meadowview | $1,923 |
| Mears | $3,181 |
| Mechanicsville | $1,969 |
| Meherrin | $2,224 |
| Melfa | $3,251 |
| Mendota | $2,066 |
| Meredithville | $2,956 |
| Merrifield | $1,999 |
| Merrimac | $1,739 |
| Merry Point | $2,965 |
| Middlebrook | $1,906 |
| Middleburg | $1,866 |
| Middletown | $1,909 |
| Midland | $1,837 |
| Midlothian | $2,043 |
| Milford | $2,011 |
| Millboro | $1,856 |
| Millers Tavern | $2,268 |
| Millwood | $1,853 |
| Mineral | $1,974 |
| Mint Spring | $2,325 |
| Mitchells | $1,909 |
| Modest Town | $3,570 |
| Mollusk | $2,922 |
| Moneta | $1,852 |
| Monroe | $1,883 |
| Montclair | $1,864 |
| Montebello | $1,945 |
| Monterey | $1,866 |
| Montpelier | $1,976 |
| Montpelier Station | $1,871 |
| Montrose | $2,123 |
| Montross | $2,325 |
| Montvale | $1,845 |
| Moon | $3,371 |
| Morattico | $2,997 |
| Moseley | $2,164 |
| Motley | $2,106 |
| Mount Crawford | $1,665 |
| Mount Holly | $2,763 |
| Mount Jackson | $1,809 |
| Mount Sidney | $1,751 |
| Mount Solon | $1,792 |
| Mount Vernon | $1,907 |
| Mouth Of Wilson | $2,036 |
| Mustoe | $2,401 |
| Narrows | $2,002 |
| Naruna | $2,600 |
| Nassawadox | $3,489 |
| Nathalie | $2,225 |
| Natural Bridge | $1,823 |
| Natural Bridge Station | $1,830 |
| Naval Weapons Station | $2,718 |
| Neabsco | $1,853 |
| Nellysford | $1,869 |
| Nelson | $2,321 |
| Nelsonia | $3,297 |
| New Baltimore | $1,790 |
| New Canton | $2,143 |
| New Castle | $1,798 |
| New Church | $3,235 |
| New Hope | $1,759 |
| New Kent | $2,161 |
| New Market | $1,825 |
| New Point | $3,630 |
| New River | $1,853 |
| Newbern | $2,424 |
| Newington | $1,882 |
| Newington Forest | $1,882 |
| Newport | $2,007 |
| Newport News | $3,448 |
| Newsoms | $2,667 |
| Newtown | $2,116 |
| Nickelsville | $2,125 |
| Ninde | $2,621 |
| Nokesville | $1,918 |
| Nora | $2,230 |
| Norfolk | $3,313 |
| Norge | $2,639 |
| North | $2,989 |
| North Garden | $1,776 |
| North Shore | $1,925 |
| North Springfield | $1,858 |
| North Tazewell | $2,069 |
| Norton | $2,185 |
| Norwood | $1,934 |
| Nottoway | $2,233 |
| Nuttsville | $2,971 |
| Oak Grove | $1,758 |
| Oak Hall | $3,416 |
| Oakpark | $1,867 |
| Oakton | $1,855 |
| Oakwood | $2,159 |
| Oilville | $1,992 |
| Oldhams | $2,253 |
| Onancock | $3,263 |
| Onemo | $3,484 |
| Onley | $3,481 |
| Ophelia | $3,235 |
| Orange | $1,988 |
| Ordinary | $3,607 |
| Oriskany | $2,361 |
| Orkney Springs | $1,805 |
| Orlean | $2,322 |
| Oyster | $3,612 |
| Paeonian Springs | $1,884 |
| Paint Bank | $1,796 |
| Painter | $3,309 |
| Palmyra | $1,847 |
| Pamplin | $2,082 |
| Pantops | $1,699 |
| Paris | $1,863 |
| Parksley | $3,323 |
| Parrott | $1,896 |
| Partlow | $1,991 |
| Patrick Springs | $2,017 |
| Pearisburg | $1,985 |
| Pembroke | $1,974 |
| Penhook | $2,058 |
| Penn Laird | $1,714 |
| Pennington Gap | $2,237 |
| Petersburg | $2,197 |
| Phenix | $2,211 |
| Philomont | $2,353 |
| Pilgrims Knob | $2,148 |
| Pilot | $1,843 |
| Pimmit Hills | $1,793 |
| Piney River | $1,927 |
| Pittsville | $2,144 |
| Pleasant Valley | $2,295 |
| Plum Creek | $1,776 |
| Pocahontas | $2,109 |
| Poquoson | $3,353 |
| Port Haywood | $3,124 |
| Port Republic | $1,753 |
| Port Royal | $2,113 |
| Portsmouth | $3,069 |
| Potomac Mills | $1,832 |
| Pound | $2,242 |
| Pounding Mill | $2,108 |
| Powhatan | $2,075 |
| Pratts | $1,909 |
| Prince George | $2,216 |
| Prospect | $2,166 |
| Providence Forge | $2,170 |
| Pulaski | $1,859 |
| Pungoteague | $3,235 |
| Purcellville | $1,782 |
| Quantico | $1,877 |
| Quantico Base | $1,895 |
| Quicksburg | $1,831 |
| Quinby | $3,245 |
| Quinque | $2,393 |
| Quinton | $2,153 |
| Radford | $1,838 |
| Radiant | $1,976 |
| Randolph | $2,212 |
| Raphine | $1,816 |
| Rapidan | $1,926 |
| Rappahannock Academy | $1,982 |
| Raven | $2,126 |
| Ravensworth | $1,857 |
| Rawlings | $2,400 |
| Rectortown | $2,369 |
| Red Ash | $2,617 |
| Red House | $2,179 |
| Red Oak | $2,287 |
| Redwood | $2,475 |
| Reedville | $2,797 |
| Remington | $1,787 |
| Rescue | $3,316 |
| Reston | $1,799 |
| Reva | $1,923 |
| Rhoadesville | $1,988 |
| Rice | $2,147 |
| Rich Creek | $1,960 |
| Richardsville | $1,822 |
| Richlands | $2,121 |
| Richmond | $2,122 |
| Ridgeway | $2,072 |
| Rileyville | $1,864 |
| Riner | $1,806 |
| Ringgold | $2,206 |
| Ripplemead | $2,015 |
| Rivanna | $1,785 |
| Riverview | $2,213 |
| Rixeyville | $1,838 |
| Roanoke | $1,737 |
| Rochelle | $1,937 |
| Rockbridge Baths | $1,859 |
| Rockville | $2,008 |
| Rockwood | $2,005 |
| Rocky Gap | $2,042 |
| Rocky Mount | $1,966 |
| Rollins Fork | $2,492 |
| Rose Hill | $2,016 |
| Rosedale | $2,182 |
| Roseland | $1,970 |
| Round Hill | $1,810 |
| Rowe | $2,175 |
| Ruby | $2,421 |
| Ruckersville | $1,776 |
| Rural Retreat | $1,967 |
| Rushmere | $3,034 |
| Rustburg | $1,987 |
| Ruther Glen | $1,970 |
| Ruthville | $2,137 |
| Salem | $1,707 |
| Saltville | $2,043 |
| Saluda | $2,808 |
| Sandston | $2,115 |
| Sandy Hook | $1,983 |
| Sandy Level | $2,095 |
| Sandy Point | $2,938 |
| Sanford | $3,288 |
| Saxe | $2,220 |
| Saxis | $3,240 |
| Schley | $2,973 |
| Schuyler | $1,864 |
| Scottsburg | $2,221 |
| Scottsville | $1,920 |
| Seaford | $2,906 |
| Sealston | $2,610 |
| Seaview | $3,916 |
| Sedley | $2,576 |
| Selma | $1,813 |
| Seven Corners | $1,810 |
| Severn | $3,099 |
| Shacklefords | $2,285 |
| Sharps | $2,218 |
| Shawneeland | $1,754 |
| Shawsville | $1,801 |
| Shenandoah | $1,840 |
| Shenandoah Farms | $1,752 |
| Shipman | $1,957 |
| Short Pump | $2,028 |
| Shortt Gap | $2,681 |
| Singers Glen | $1,696 |
| Skippers | $2,599 |
| Skipwith | $2,274 |
| Skyland Estates | $1,796 |
| Smithfield | $3,032 |
| Somerset | $1,943 |
| Somerville | $2,412 |
| South Boston | $2,177 |
| South Hill | $2,275 |
| South Riding | $1,773 |
| South Run | $1,824 |
| Southern Gateway | $1,837 |
| Sparta | $2,561 |
| Speedwell | $1,993 |
| Spencer | $2,229 |
| Sperryville | $1,933 |
| Spotsylvania | $1,809 |
| Spotsylvania Courthouse | $1,823 |
| Spottswood | $1,831 |
| Spout Spring | $2,096 |
| Spring Grove | $2,634 |
| Springfield | $1,952 |
| St. Charles | $2,165 |
| St. Paul | $2,245 |
| St. Stephens Church | $2,161 |
| Stafford | $1,769 |
| Stafford Courthouse | $1,760 |
| Staffordsville | $2,087 |
| Stanardsville | $1,854 |
| Stanley | $1,851 |
| Stanleytown | $2,017 |
| Star Tannery | $1,770 |
| State Farm | $1,906 |
| Staunton | $1,734 |
| Steeles Tavern | $1,831 |
| Stephens City | $1,736 |
| Stephenson | $1,817 |
| Sterling | $1,739 |
| Stevensburg | $1,955 |
| Stevensville | $2,315 |
| Stone Ridge | $1,785 |
| Stony Creek | $2,410 |
| Strasburg | $1,809 |
| Stratford | $2,607 |
| Stuart | $2,111 |
| Stuarts Draft | $1,736 |
| Studley | $2,647 |
| Sudley | $1,812 |
| Suffolk | $3,108 |
| Sugar Grove | $1,970 |
| Sugarland Run | $1,732 |
| Sumerduck | $1,904 |
| Surry | $2,890 |
| Susan | $3,650 |
| Sussex | $2,382 |
| Sutherland | $2,260 |
| Sutherlin | $2,163 |
| Sweet Briar | $1,875 |
| Swoope | $1,865 |
| Swords Creek | $2,173 |
| Syria | $1,850 |
| Tangier | $3,658 |
| Tannersville | $2,084 |
| Tappahannock | $2,228 |
| Tasley | $3,247 |
| Tazewell | $2,058 |
| Temperanceville | $3,446 |
| Thaxton | $1,887 |
| The Plains | $1,834 |
| Thornburg | $1,900 |
| Thynedale | $2,266 |
| Timberlake | $1,912 |
| Timberville | $1,686 |
| Toano | $2,167 |
| Toms Brook | $1,808 |
| Topping | $2,994 |
| Townsend | $3,273 |
| Trevilians | $2,694 |
| Triangle | $1,910 |
| Troutdale | $2,015 |
| Troutville | $1,805 |
| Troy | $1,907 |
| Tuckahoe | $2,031 |
| Tyro | $2,033 |
| Tysons Corner | $1,829 |
| Union Hall | $1,973 |
| Unionville | $1,930 |
| University Center | $1,676 |
| University of Virginia | $1,653 |
| Upperville | $1,869 |
| Urbanna | $2,786 |
| Valentines | $2,374 |
| Vansant | $2,182 |
| Vernon Hill | $2,198 |
| Verona | $1,784 |
| Vesta | $2,512 |
| Vesuvius | $1,959 |
| Victoria | $2,302 |
| Vienna | $1,855 |
| Viewtown | $1,819 |
| Villa Heights | $2,029 |
| Village | $2,871 |
| Villamont | $2,445 |
| Vinton | $1,739 |
| Virgilina | $2,228 |
| Virginia Beach | $3,902 |
| Virginia State University | $2,202 |
| Wachapreague | $3,258 |
| Wake | $3,031 |
| Wakefield | $2,169 |
| Walkerton | $2,117 |
| Wallops Island | $3,453 |
| Wardtown | $3,615 |
| Ware Neck | $3,244 |
| Warfield | $2,448 |
| Warm Springs | $1,904 |
| Warrenton | $1,771 |
| Warsaw | $2,233 |
| Washington | $1,938 |
| Water View | $2,691 |
| Waterford | $1,908 |
| Wattsville | $3,553 |
| Waverly | $2,549 |
| Waynesboro | $1,720 |
| Weber City | $2,129 |
| Weems | $2,909 |
| West Augusta | $1,958 |
| West Falls Church | $1,882 |
| West Mclean | $2,393 |
| West Point | $2,184 |
| West Springfield | $1,863 |
| Weyers Cave | $1,745 |
| White Marsh | $3,364 |
| White Plains | $2,372 |
| White Post | $1,847 |
| White Stone | $2,953 |
| Whitetop | $2,042 |
| Whitewood | $2,183 |
| Wicomico | $3,406 |
| Wicomico Church | $2,783 |
| Williamsburg | $2,324 |
| Williamsville | $1,950 |
| Willis | $1,921 |
| Willis Wharf | $3,366 |
| Wilsons | $2,294 |
| Winchester | $1,787 |
| Windsor | $3,101 |
| Wingina | $2,095 |
| Wintergreen | $1,868 |
| Wirtz | $1,982 |
| Wise | $2,213 |
| Withams | $3,134 |
| Wolf Trap | $1,854 |
| Wolford | $2,674 |
| Wolftown | $2,431 |
| Woodberry Forest | $1,879 |
| Woodbridge | $1,844 |
| Woodburn | $1,882 |
| Woodford | $2,000 |
| Woodlake | $2,013 |
| Woodlawn | $1,974 |
| Woods Cross Roads | $2,956 |
| Woodstock | $1,748 |
| Woodville | $2,011 |
| Woolwine | $2,080 |
| Wylliesburg | $2,283 |
| Wyndham | $2,051 |
| Wytheville | $1,898 |
| Yale | $2,400 |
| Yorkshire | $1,790 |
| Yorktown | $2,828 |
| Zacata | $2,638 |
| Zuni | $2,785 |
Current state of homeowners’ insurance in Virginia
The cost of homeowners insurance in Virginia has been rising over the past few years, although the state has fared better than many of its neighbors. Rates rose approximately 39% between 2021 and 2025. That’s a big increase, but it’s still well below the 48% national average over the same period. It’s also considerably lower than neighboring North Carolina, where rates climbed more than 53%.
Flooding is a serious risk for Virginia homeowners, and it isn’t limited to coastal areas. In 2024, Hurricane Helene devastated Southwest Virginia, and in 2021, the remnants of Hurricane Ida caused devastating floods and mudslides in Buchanan County.
Despite the risks, only 3% of Virginia homeowners have flood insurance, according to the Virginia Department of Conservation and Recreation. Standard homeowners policies don’t cover flood damage. Instead, you may be able to buy a separate flood insurance policy through your current homeowners insurance, another private insurance company, or from the National Flood Insurance Program (NFIP).
How to compare homeowners’ insurance in Virginia
When comparing options, don’t just look at rates, but also consider:
- Coverage limits: The amount needed to be sure your home is fully covered
- Deductibles: Higher deductibles can lower premiums
- Exclusions: Check what isn’t covered (like floods or earthquakes)
- Add-ons: Consider extra coverage for high-value items
And if you own one or more vehicles, consider bundling your home and auto insurance. Many insurance companies offer big discounts for this.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
No, Virginia state law doesn’t require that you have homeowners insurance. However, a mortgage lender will almost certainly demand it as a condition of your loan. Even if you own your home outright, getting home insurance is highly recommended. Otherwise, going without coverage will leave you on the hook for the cost of repairs or rebuilding after a fire, storm, or other loss, which could add up to tens of thousands.
Virginia’s rates reflect a combination of factors, including the significant risk of hurricanes and tropical storms in the state and rising construction costs that are making rebuilding even more expensive after a claim. The many claims and payouts after catastrophic losses in other states have also pushed premiums up all across the country.
Virginia law requires that insurance companies provide advanced written notice before deciding not to renew your policy. This is intended to give you some time to shop for a replacement. So as soon as you receive a notice of non-renewal, start looking for new coverage.
If no insurance company will offer coverage for your home, the Virginia Property Insurance Association can serve as a last-resort option. However, these policies typically offer limited coverage and cost more than standard policies, so be sure you’ve exhausted all other options before turning to this program.
Methodology
How we chose the best homeowners insurance in Virginia
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Virginia ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores show how well companies treat customers over things like claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our full editorial guidelines for further details.
*USAA is only available to current and former members of the military and their families.