Average insurance rates across 159 cities in Virginia
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Virginia Beach | 459,470 | $1,683 | $1,581 | $512/mo | $16/mo |
| Chesapeake | 249,422 | $1,666 | $1,566 | $511/mo | $16/mo |
| Norfolk | 238,005 | $1,584 | $1,488 | $507/mo | $15/mo |
| Arlington | 235,845 | $1,716 | $1,612 | $513/mo | $17/mo |
| Richmond | 226,610 | $1,634 | $1,534 | $509/mo | $16/mo |
| Roanoke | 218,533 | $1,716 | $1,612 | $513/mo | $17/mo |
| Newport News | 186,247 | $1,551 | $1,457 | $505/mo | $15/mo |
| Fredericksburg | 176,791 | $1,716 | $1,612 | $513/mo | $17/mo |
| Alexandria | 159,467 | $2,211 | $2,077 | $536/mo | $21/mo |
| Hampton | 137,217 | $1,716 | $1,612 | $513/mo | $17/mo |
| Lynchburg | 128,849 | $1,716 | $1,612 | $513/mo | $17/mo |
| Charlottesville | 103,760 | $1,716 | $1,612 | $513/mo | $17/mo |
| Portsmouth | 97,384 | $1,716 | $1,612 | $513/mo | $17/mo |
| Williamsburg | 94,892 | $1,716 | $1,612 | $513/mo | $17/mo |
| Suffolk | 94,856 | $1,716 | $1,612 | $513/mo | $17/mo |
Virginia residents pay an average of $1,650 per year for home insurance and $1,550 for auto insurance. Virginia follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 30/60/20.
Health insurance in Virginia averages $510 per month for an individual Silver marketplace plan. The weather risk level is medium, with significant exposure to hurricanes. Top insurance providers in Virginia include State Farm, Erie Insurance, USAA.
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Policygenius The ZebraThe average home insurance cost in Virginia is $1,650 per year. Rates range from $1,050 to $2,400 depending on home value, location, and coverage level.
Auto insurance in Virginia averages $1,550 per year for full coverage. The state minimum coverage is 30/60/20.
Virginia has below-average insurance costs, with home insurance at $1,650/yr and auto at $1,550/yr compared to national averages of $2,300 and $1,800 respectively.
Virginia requires minimum liability coverage of 30/60/20 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.