Compare average insurance rates in Meadowbrook for 2026
🏠
Home
$1716
/year
🚗
Auto
$1612
/year
🏥
Health
$513
/month
💰
Life
$23
/month
🏢
Renters
$17
/month
Home Insurance in Meadowbrook, VA
The average cost of homeowners insurance in Meadowbrook, Virginia is $1,716 per year in 2026. This compares to the state average of $1,650 per year.
$1,716per year (avg in Meadowbrook)
$1092VA avg: $1,650$2496
Factors Affecting Home Insurance in Meadowbrook
🏠
Home Value Average: $370,000
🌪
Weather Risk medium
🌊
Flood Zone 9% of properties
📈
Cost Index 1.04 (100 = national avg)
⚠️
Hurricane Zone: Meadowbrook is located in a hurricane-prone area. Home insurance premiums may include wind and storm surcharges. Coastal surcharges may apply to properties near the shoreline.
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$296,000
$148,000
$100,000
$1,287
Standard (HO-3)
$370,000
$185,000
$300,000
$1,716
Premium (HO-5)
$462,500
$277,500
$500,000
$2,316
Auto Insurance in Meadowbrook, VA
The average annual cost of auto insurance in Meadowbrook is $1,612, compared to the Virginia state average of $1,550.
$1,612per year (avg in Meadowbrook)
$988VA avg: $1,550$2340
📋
Minimum Coverage in Virginia: 30/60/20
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$886
Full Coverage
100/300/100
$500 deductible
$500 deductible
$1,612
Premium
250/500/250
$250 deductible
$250 deductible
$2,095
Health Insurance in Meadowbrook, VA
The average monthly health insurance premium in Meadowbrook is $513 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$513per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$369
$7,000
$9,100
Healthy, low usage
Silver
$513
$4,500
$9,100
Moderate usage
Gold
$641
$1,650
$8,700
Regular medical needs
Platinum
$769
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Meadowbrook
💰 Life Insurance
$23
per month (20-year term, $500K)
Life insurance rates in Virginia are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $23/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$17
per month (avg in Meadowbrook)
Renters insurance in Meadowbrook covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Meadowbrook
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Meadowbrook, VA is $1,716 per year for a standard HO-3 policy. Rates range from $1,092 to $2,496 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Meadowbrook is $1,612 per year for full coverage. Liability-only coverage averages around $725 per year. Virginia requires minimum coverage of 30/60/20.
Insurance costs in Meadowbrook are close to the national average (cost index: 1.04). Home insurance averages $1,716/yr and auto insurance $1,612/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 1.04), hurricane exposure, average home values ($370,000), your personal claims history, credit score, and at-fault insurance laws in Virginia.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Meadowbrook residents can potentially save $666+ per year.
Virginia requires minimum auto liability coverage of 30/60/20 (bodily injury per person / per accident / property damage in thousands). This is the legal minimum, but most experts recommend higher limits for adequate protection.
Compare Insurance Quotes in Meadowbrook
Get personalized quotes from top insurers in Virginia. Compare rates in minutes.