Renters Insurance in Virginia — Average Cost 2026
Average renters insurance in Virginia: $265/year ($22/month). Virginia ranks #29 out of 51 states — above the national average.
Average annual
$265
Average monthly
$22
National rank
#29
of 51 states
vs national avg
+0.8%
Virginia vs national average
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Renters insurance in Virginia: storm risk
Renters in Virginia pay around $22/month, 1% above the national average. Renters insurance covers your belongings and liability, but standard policies exclude flood damage — a real consideration in a hurricane-prone state like Virginia, where wind-driven flooding can destroy furniture and electronics a standard policy won't touch.
If your rental is in a flood zone, ask your insurer about a separate NFIP or private flood policy for personal property. Otherwise, most policies still include $100,000 in personal liability and additional living expenses if a storm makes your unit uninhabitable.