Updated: February 1, 2026
Advertising & Editorial Disclosure
Our 2026 research found the top three home insurance companies in Virginia are Auto-Owners, Chubb and State Farm.
Main Street America offers the highest-quality homeowners insurance in Virginia with the lowest average annual premium at $1,030.
Flooding threats drive up insurance costs across Virginia due to the state's geography and climate conditions. Shop for comprehensive, affordable protection.
Auto-Owners is the best home insurance company for most Virginia homeowners with affordable rates and strong customer experience. The top five companies earned high ratings in our affordability, customer experience and coverage categories:
| Auto-Owners Insurance | 4.82 | 4 | 1 | 4 |
| Chubb | 4.93 | 3 | 2 | 1 |
| State Farm | 4.7 | 2 | 3 | 3 |
| Farmers | 4.53 | 5 | 4 | 6 |
| Main Street America Insurance | 4.51 | 1 | 6 | 2 |
*Our ratings consider different combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your profile. The tables below follow the same methodology.
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Virginia's coastal areas face higher insurance costs than inland regions due to hurricane and flood risks. Rates and top-rated providers vary across cities based on local weather patterns, crime rates and construction costs.
| Arlington | Chubb | $1,345 |
| Alexandria | Chubb | $1,279 |
| Chatham | Chubb | $1,076 |
| Hampton | Chubb | $1,709 |
| Chesapeake | Chubb | $1,560 |
| Edinburg | Chubb | $1,174 |
| Fairfax | Chubb | $1,395 |
| Richmond | Chubb | $1,393 |
| Norfolk | Chubb | $1,871 |
| Newport News | Chubb | $1,865 |
| Virginia Beach | Chubb | $2,503 |
Virginia home insurance costs $2,676 per year on average. Your rate depends on your home and personal profile. Credit score creates the widest price gap: excellent credit homeowners pay around $931 yearly, while poor credit raises premiums to $6,249. Dwelling coverage limits also affect your costs. Coverage for a $100,000 home costs $1,735 compared to $4,335 for $500,000 coverage.
Overall average | $2,676 | $223 |
$100,000 dwelling coverage | $1,735 | $145 |
$500,000 dwelling coverage | $4,335 | $361 |
Older homes (1980) | $3,789 | $316 |
Newer homes (2020) | $2,829 | $236 |
Homeowner age 20–40 | $4,022 | $335 |
Seniors 61+ | $4,053 | $338 |
Recent Claim | $4,723 | $394 |
Excellent Credit | $931 | $78 |
Poor Credit | $6,249 | $521 |
Compare rates from multiple insurers to find Virginia home insurance that addresses the state's specific hazards. You'll need coverage that financially protects against local risks while staying affordable.
Assess your home's replacement cost and Virginia's natural disaster risks. Wildfire exposure threatens foothills communities, hail damage strikes along the Front Range, and flash floods occur near mountain drainage areas. Your coverage should reflect your home's value, personal property and liability needs while accounting for Virginia's high rebuilding costs.
Virginia home insurance averages $4,074 annually. Bundling home and auto policies saves 15% to 25% on premiums. Get discounts for monitored security systems, fire-resistant roofing and hail-resistant shingles. Impact-resistant windows and roof updates qualify you for more savings while reducing hail damage.
Review customer satisfaction scores and claims handling reputation before choosing an insurer. Look for Virginia-specific coverage like wildfire coverage, water back-up from snowmelt and service line coverage for freeze-thaw damage. Extended replacement cost coverage pays full rebuilding costs even when they exceed policy limits due to material shortages or labor increases.
Inland flood coverage covers flash flood damage without a separate National Flood Insurance Program policy. Equipment breakdown coverage covers HVAC system failures in Virginia's temperature extremes. Mountain vacation homes and short-term rental properties need specialized policies for their unique risks.
Compare quotes from at least three insurers; rates vary between providers. Shop through direct insurers, independent agents and online platforms. Request quotes with identical coverage limits and deductibles for accurate comparisons. Ask about discounts for fire-resistant materials and protective devices common in Virginia homes.
Update your dwelling coverage each year to match rising construction costs and your home's current replacement value. Virginia's hurricane risk and housing market shifts mean your coverage needs change regularly. Review your policy annually and shop for new quotes, especially after any home improvements.
Auto-Owners, Chubb and State Farm lead Virginia's home insurance market with strong financial ratings and comprehensive coverage options. Compare quotes from these providers and prioritize protection against the state's hail damage and flash flood risks while ensuring adequate rebuilding costs and liability coverage.
Common questions Virginia homeowners ask when shopping for home insurance:
No, standard home insurance policies exclude flood damage coverage. Homeowners need separate flood insurance through the National Flood Insurance Program or private insurers to protect against flooding. This specialized coverage must be purchased before flood events occur, as waiting periods apply before policies become effective.
Your dwelling coverage needs to match the full cost to rebuild your home, not its market value. Take inventory of your belongings to determine adequate personal property coverage amounts. Get a professional appraisal or use construction cost calculators to establish accurate rebuilding estimates for proper protection.
Flooding raises home insurance rates across Virginia as insurers adjust premiums to reflect increased property damage risks and claim frequency. The Tidewater region and communities near rivers face particularly steep rate increases due to elevated flood exposure. However, homeowners can qualify for discounts by installing flood-resistant materials and protective measures, which simultaneously reduce potential damage and lower insurance costs.
Replacement cost coverage pays to replace damaged items with new ones at current market prices, while actual cash value coverage only reimburses you for what your belongings were worth after depreciation. For instance, if your five-year-old television gets destroyed in a fire, replacement cost would buy you a brand new TV, but actual cash value would only pay what your old television was worth at the time of loss.
Our analysis identifies which insurers balance affordability with coverage for Virginia-specific risks. We evaluated home insurance providers across three weighted factors that determine value for Virginia homeowners.
Affordability (55%): We analyzed rates for different home types, credit tiers and risk levels. Providers earned higher scores for competitive pricing and extensive discounts. Cost carries the heaviest weight because premiums determine whether you can maintain coverage long-term. Virginia's high rebuilding costs and frequent hail claims make affordable coverage important.
Customer satisfaction (30%): We reviewed ratings from Trustpilot, app stores and J.D. Power surveys covering the buying process, policy management and claims handling. These ratings show which companies deliver consistent service throughout your relationship, not just competitive quotes. Claims experience matters most when wildfire or hail damage strikes and you need prompt payment and clear communication.
Coverage options (15%): We assessed add-on availability, unique features and state access. More flexibility lets you tailor policies to Virginia needs like wildfire coverage, water backup from snowmelt and equipment breakdown coverage for HVAC systems in temperature extremes. Standard policies don't always address Virginia's specific hazards without customization.
Our Sample Profile
Costs reflect a homeowner aged 41 to 60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible. This profile represents typical Virginia homeowners balancing comprehensive coverage with manageable premiums.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
