HomeCover HQ
Get quotes

Renters and home insurance rates in Virginia

The NAIC's published average premiums for Virginia by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value. Figures are published averages, never quotes; methodology at the foot of the page.

average renters premium (HO-4), per year
$152
average homeowners premium (HO-3), per year
$1,332
renter households
1,091,768

By county

Fairfax County130,624$2,230$699,700
Arlington County64,860$2,275$864,800
Virginia Beach city63,071$1,649$366,300
Richmond city57,759$1,314$328,100
Norfolk city51,298$1,246$271,900
Henrico County47,977$1,474$333,600
Alexandria city43,675$2,031$696,800
Prince William County39,608$2,002$500,600
Newport News city39,346$1,285$243,300
Loudoun County31,100$2,317$701,000
Chesterfield County31,093$1,542$336,700
Hampton city25,622$1,346$234,100
Chesapeake city24,221$1,523$359,100
Roanoke city20,977$964$180,500
Portsmouth city17,121$1,266$229,400
Montgomery County16,626$1,206$283,600
Albemarle County15,344$1,623$471,000
Lynchburg city14,611$1,043$211,800
Charlottesville city11,085$1,453$448,400
Suffolk city11,006$1,484$329,600
Spotsylvania County10,439$1,733$375,000
Harrisonburg city10,409$1,120$278,200
Stafford County9,837$1,925$458,800
Danville city9,495$808$110,200
Roanoke County9,312$1,148$267,300
Petersburg city9,172$1,132$157,900
Rockingham County7,955$1,125$287,900
York County7,621$1,777$411,200
Frederick County7,547$1,402$355,000
Hanover County7,222$1,496$372,700
Fredericksburg city6,687$1,521$461,500
James City County6,631$1,491$419,200
Winchester city6,544$1,298$325,900
Augusta County6,452$1,057$281,400
Fauquier County5,744$1,561$543,700
Campbell County5,403$853$199,200
Washington County5,348$832$201,800
Pittsylvania County5,236$856$153,000
Bedford County5,162$955$276,600
Shenandoah County4,905$968$265,800
Henry County4,902$705$120,300
Culpeper County4,736$1,417$386,400
Staunton city4,600$993$239,300
Franklin County4,562$797$222,800
Tazewell County4,299$738$116,100
Accomack County4,221$973$193,100
Hopewell city4,188$1,085$165,100
Halifax County4,025$769$148,900
Pulaski County4,006$815$182,500
Manassas city3,907$1,835$434,700
Waynesboro city3,889$972$236,600
Mecklenburg County3,760$804$169,400
Salem city3,699$1,046$244,800
Warren County3,658$1,199$315,800
Smyth County3,650$692$125,800
Wise County3,636$770$116,500
Prince George County3,316$1,563$268,300
Orange County3,256$1,145$337,300
Radford city3,153$966$211,700
Gloucester County3,047$1,144$289,200
Prince Edward County3,028$898$203,700
Falls Church city3,014$2,205$1,005,400
Wythe County2,903$718$172,100
Isle of Wight County2,881$1,313$333,600
Louisa County2,856$1,208$275,600
Fairfax city2,808$2,122$677,400
Carroll County2,769$687$144,200
Amherst County2,743$842$197,200
Bristol city2,700$775$168,700
Page County2,583$851$221,800
Russell County2,534$682$119,600
Martinsville city2,435$784$92,500
Colonial Heights city2,409$1,162$231,700
King George County2,360$1,426$395,900
Williamsburg city2,358$1,361$393,200
Dinwiddie County2,268$1,242$246,100
Lee County2,204$725$98,700
Caroline County2,132$1,201$283,100
Rockbridge County2,060$956$238,700
Scott County1,940$665$122,300
Botetourt County1,860$951$268,900
Northampton County1,857$780$279,100
Patrick County1,779$721$146,500
Brunswick County1,755$864$132,700
Southampton County1,735$930$208,800
Nottoway County1,689$1,009$179,800
Westmoreland County1,681$991$244,000
Manassas Park city1,675$2,175$381,200
Greene County1,616$1,502$315,300
Franklin city1,579$995$227,200
Appomattox County1,471$883$189,200
Dickenson County1,452$733$101,100
Giles County1,430$780$143,500
Buckingham County1,429$874$167,800
Goochland County1,367$1,567$483,700
Emporia city1,367$1,060$131,100
Essex County1,365$967$228,600
Nelson County1,346$950$283,000
Charlotte County1,334$682$144,000
Buchanan County1,313$712$91,400
Lunenburg County1,311$780$145,500
Alleghany County1,222$774$122,300
Fluvanna County1,188$1,173$281,700
Sussex County1,138$952$178,500
Grayson County1,122$712$132,300
Buena Vista city1,118$1,067$153,500
Lancaster County1,104$978$307,600
Madison County1,102$1,048$331,400
Floyd County1,067$826$215,500
Galax city1,047$692$126,800
Cumberland County1,025$847$220,100
Clarke County1,013$1,360$538,900
Lexington city996$985$275,300
Amelia County996$972$239,700
Greensville County960$960$159,200
Richmond County864$1,011$214,200
King William County797$1,246$276,500
Powhatan County764$1,107$381,300
Norton city741$670$100,700
New Kent County713$1,653$371,500
Covington city712$822$80,200
Poquoson city690$1,634$403,000
Middlesex County677$1,071$299,800
King and Queen County636$982$240,900
Rappahannock County633$1,384$490,200
Northumberland County582$1,053$333,100
Surry County545$858$235,200
Mathews County542$1,108$348,800
Bland County449$683$157,100
Bath County438$825$206,000
Charles City County420$1,076$224,100
Craig County297$728$210,500
Highland County119$859$195,700

Cite or embed this figure

Cite as: "HomeCover HQ Rates Index: Virginia", updated 2026-08-17, https://homecoverhq.com/rates/virginia/.

Embed this figure (plain HTML, no scripts)
Average annual renters insurance premium · Virginia · 2022

$152

renter households1,091,768

Source: HomeCover HQ Rates Index: Virginia

Download the Virginia county-level dataset (CSV), free to reuse with citation.

Get free insurance quotesCompare rates with an agent