Renters Insurance Cost in Virginia (2026 Average)
Virginia renters paid about $139 a year on average in the NAIC 2021 baseline, about $31 less than the $170 US average. The state average is a useful baseline, but your quote will depend on your city, coverage limits, deductible, and claims history.
What drives Virginia renters insurance costs
Virginia renters paid about $139 a year on average in the NAIC 2021 baseline, about $31 less than the $170 US average.
Weather exposure is a major driver here: hurricane spillover, coastal storms, and winter weather all contribute.
Claim frequency and litigation also matter: claim frequency is moderate.
Replacement costs and carrier competition round out the picture: replacement costs near Washington, DC are elevated, and a competitive mid-Atlantic market keeps the average near the national figure.
How Virginia compares
| Location | Average annual premium | vs US average ($170) |
|---|---|---|
| Virginia | $139 | −$31 |
| United States (national average) | $170 | baseline |
| Maryland | $131 | −$39 |
| North Carolina | $128 | −$42 |
| West Virginia | $133 | −$37 |
A minus sign means the average is below the US average. Figures are the NAIC 2021 baseline; 2026 quotes run higher after inflation.
Next steps
Estimate your own premium
State averages only get you part of the way. Your real quote depends on your address, the coverage you choose, and your claims history.