Home Renters insurance Renters insurance cost Average renters insurance cost in Virginia Average renters insurance cost in Virginia Discover the average cost of renters insurance in Virginia and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: December 3, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Renters insurance costs in Virginia vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Virginia is $235 per year or $20 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ. Key Takeaways The average cost of renters insurance in Virginia is $235 per year or $20 per month.State Farm provides the least expensive renters insurance in Virginia at an average rate of $155 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Virginia. Average renters insurance cost in Virginia per monthIn Virginia, the average monthly cost of renters insurance is $20. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.Average renters ins cost per monthDifference compared to national average$20$2 lessPowered by:Average renters insurance cost in Virginia by companyRenters in Virginia can find the most budget-friendly insurance with State Farm, which has an average annual cost of $155, according to our data. Other affordable options include Nationwide and Progressive.It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.Below are the average annual and monthly renters insurance rates from various insurers in Virginia.CompanyAverage annual rateAverage monthly rateState Farm$155$13Nationwide$177$15Progressive$180$15American Family$182$15Universal Insurance Holding$196$16Allstate$236$20Farmers$237$20Erie Insurance$238$20IAT Insurance Group$289$24Travelers$459$38Powered by: Renters insurance calculator in Virginia Select your state Virginia Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $217/year Estimated renters insurance rates in Virginia $18 Monthly renters insurance cost in Virginia -12% Compared to national average Get quotes Average cost of renters insurance in Virginia by coverage levelAs we discussed above, the average cost of renters insurance in Virginia is $235 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $175 per year for renters insurance in Virginia, which provides $300,000 in liability protection with a $1000 deductible.Below are the average renters insurance costs in Virginia for personal property coverage amounts of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$173$14$20,000 with $500 Deductible and $300,000 Liability$188$16$20,000 with $1,000 Deductible and $100,000 Liability$161$13$20,000 with $1,000 Deductible and $300,000 Liability$175$15$40,000 with $500 Deductible and $100,000 Liability$235$20$40,000 with $500 Deductible and $300,000 Liability$253$21$40,000 with $1,000 Deductible and $100,000 Liability$217$18$40,000 with $1,000 Deductible and $300,000 Liability$235$20$60,000 with $500 Deductible and $100,000 Liability$301$25$60,000 with $500 Deductible and $300,000 Liability$322$27$60,000 with $1,000 Deductible and $100,000 Liability$277$23$60,000 with $1,000 Deductible and $300,000 Liability$298$25Powered by:Average cost of renters insurance in Virginia by cityRenters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Virginia.Renters insurance rates in Virginia by citySee rates in your cityAshburnMarkhamRestonSt. PaulVirginia BeachAverage cost of renters insurance in Virginia by ZIP codeIn Virginia, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.Most affordable ZIP codes for renters insurance in VirginiaThe amount Virginia renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 22820 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $199.Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Virginia.ZIP codeCityAverage annual rateAverage monthly rate22820Criders$199$1724487Burnsville$199$1724433Doe Hill$201$1722812Bridgewater$201$1722035Fairfax$202$1724468Mustoe$202$1722980Dooms$203$1724401Fishersville$203$1724482Verona$203$1722332Alexandria$204$17Powered by:Least affordable ZIP codes for renters insurance in VirginiaYour ZIP code, among other factors, affects how much you pay for renters insurance in Virginia. 23459 is the least affordable ZIP code for Virginia renters at an average cost of $330 a year or $28 monthly.We have analyzed quotes from the major insurance carriers across all the ZIP codes in Virginia. Below are the average annual renters insurance costs by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate23459Virginia Beach$330$2823440Tangier$317$2623461Virginia Beach$317$2623310Cape Charles$314$2623664Hampton$312$2623457Virginia Beach$311$2623651Fort Monroe$311$2623663Hampton$309$2623451Virginia Beach$308$2623668Hampton$306$26Powered by: Final thoughts: Average renters insurance in VirginiaRenters insurance is a must-have for renters in Virginia. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in VirginiaBest and cheapest homeowners insurance companies in VirginiaCost of Living in Virginia in 2025How much does condo insurance cost in Virginia in 2025? 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Most Americans don’t 1/1 Related Articles How much do claims increase home insurance rates? By Les Masterson Mobile home insurance cost and coverage in 2026 By Chris Kissell Average homeowners insurance cost by ZIP code in 2026 By Barry Eitel Homeowners insurance rates by state By Jake Safane How to switch home insurance By Leslie Kasperowicz What is dwelling coverage and how much do you need? By Lena Borrelli On this page Average renters insurance cost in Virginia per monthAverage renters insurance cost in Virginia by companyAverage cost of renters insurance in Virginia by coverage levelAverage cost of renters insurance in Virginia by cityAverage cost of renters insurance in Virginia by ZIP codeFinal thoughts: Average renters insurance in Virginia ZIP Code Please enter valid ZIP See rates (844) 761-9316