Home insurance cost in Virginia
About $2,265 a year, or $189 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Home insurance cost
$2,265
a year
A month
$189
Rank
24 of 51
1 = cheapest; −9% vs U.S.
| State | Home insurance cost | Rank |
|---|---|---|
| Idaho | $2,195 | 22 |
| Rhode Island | $2,230 | 23 |
| Virginia | $2,265 | 24 |
| Maryland | $2,375 | 25 |
| Michigan | $2,415 | 26 |
| U.S. | $2,490 | - |
Common questions
How much is homeowners insurance in Virginia?
About $2,265 a year, or $189 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Is home insurance in Virginia expensive?
Virginia ranks 24 of 51 (1 = cheapest). Your price depends on the home's rebuild cost, location, claims history, credit and deductible.
Add insurance and taxes to a full payment with the mortgage calculator.
More for Virginia: monthly budget · take-home pay · rent.