Home Home insurance 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. | Updated on: January 16, 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 your coverage level, insurance provider, and personal circumstances. On average, renters in Virginia pay $235 per year or $20 per month for a policy that includes $40,000 in personal property coverage, $300,000 in liability protection and a $1,000 deductible. 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 lessAverage 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$38 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 levelThe average annual cost of renters insurance in Virginia is $235, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $177 a year for renters insurance in Virginia. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.The table below shows the average annual renters insurance costs in Virginia for personal property coverage 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$25Average cost of renters insurance in Virginia by cityRenters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in Virginia.Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in Virginia by cityAshburnCarrolltonMarkhamRestonSaint PaulVirginia BeachAverage cost of renters insurance in Virginia by ZIP codeRenters insurance costs in Virginia vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.Most affordable ZIP codes for renters insurance in VirginiaHow much Virginia renters pay for insurance depends on the ZIP code they live in. 22820 is the most affordable ZIP code for renters insurance in Virginia among all the ZIP codes analyzed, at $199 a year on average.Rates vary by ZIP code, so comparing quotes is one of the easiest ways to get the best deal on renters insurance 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$17 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$26 Renters and auto bundle discounts in VirginiaTo lower your insurance costs, consider bundling renters and auto insurance policies from the same company.By bundling your insurance policies, you can save an average of 5% per year in Virginia. Nationwide offers the best rates for combining renters and auto insurance, allowing you to save 8% on your annual premiums.CompanyAverage annual rate$ bundle average savings% bundle average savingsNationwide$1,095$918%Travelers$1,136$595%State Farm$1,159$585%Virginia Farm Bureau$1,329$151%Geico$1,380$675%Auto-Owners$1,803$844%Progressive$1,994$1256%Allstate$2,725$1977%Final thoughts: Average renters insurance in VirginiaRenters insurance is essential for residents of Virginia. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearWashington, D.C.$272/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 Explore other insurance options in Virginia Average homeowners insurance cost in Virginia Average car insurance cost in Virginia Non-owner auto insurance in Virginia 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. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2024 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles How to find a homeowners insurance policy By Shivani Gite How to switch home insurance By Leslie Kasperowicz Homeowners insurance rates by state in 2025 By Jake Safane Average homeowners insurance cost by ZIP code in 2025 By Barry Eitel How to prevent tornado damage By Ashlee Tilford Guide to personal property insurance By Casey Bond 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 codeRenters and auto bundle discounts in VirginiaFinal thoughts: Average renters insurance in Virginia ZIP Code Please enter valid ZIP See rates