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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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How to get affordable renters insurance in Virginia

Renters insurance is an optional — but important — product that works to keep your belongings safe in the event your rental property suffers damage from common incidents. A renters insurance policy protects belongings in the event of fire or smoke damage, a wind storm, vandalism or theft and a number of other misfortunes.

Unlike auto insurance, renters insurance isn't governed by state legislation. Still, there are substantial gaps in average renters insurance prices by state. Renters insurance rates in states diverge based on the number and cost renters claims across the state, and also on the value of the belongings you're insuring.

Getting renters insurance in Virginia is cheaper than the US average. The typical annual renters insurance rate in Virginia is $166, $19 less expensive than the national average.

The best way to find a cheap renters insurance policy in Virginia is to compare rates and consider policies from as many insurance companies as you can. Find out renters insurance rates in Virginia via the below breakdown. Remember: your rates will vary, depending on your coverage limits and the valuation of your belongings.

Jump to:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Bundling discounts
  5. Frequently asked questions


Renters insurance prices in Virginia by company

Renters insurance prices in Virginia differ depending on which insurance company you choose. Erie underwrites the most affordable renters insurance in Virginia — only $104 yearly. This beats the state average price of $166, offering a 37% price break on rates typical to the state.

Start shopping for cheap renters insurance by reviewing the most affordable Virginia insurance companies, listed below.

Company Average Annual Rate in Virginia
Erie $104
Safeco $117
Allstate $127
Travco $128
State Farm $129

Virginia renters insurance costs by city

Renters insurance rates in Virginia vary depending on the city. Pricing may depend on city-specific variables like the number of local claims filed, meaning your ZIP code could have a major impact on how much you pay.

The best renters insurance in Virginia is available in Reston. The average renters insurance policy in Reston runs only $150 every 12 months — $51 less than the average policy in other Virginia cities. The below table shows the best places to live in Virginia if you’re looking for cheap renters insurance.

City Average Annual Renters Insurance Rate
Reston $150
Centreville $150
Burke $150
Arlington $151
McLean $151

Searching for renters insurance info for a specific city? Take a look at our breakdown of the most populous metropolitan areas in Virginia.

  1. Chesapeake
  2. Norfolk
  3. Richmond
  4. Virginia Beach

Renters insurance in VA by coverage tier

The cost of your renters insurance depends on the amount of coverage you opt to carry. Two of the most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In Virginia, the annual cost difference between these tiers is about $64. If you can afford the up-front expense, purchasing more coverage might not be a bad idea.

Coverage Level Average Yearly Renters Insurance Rate in Virginia
$25K Property $134
$50K Property $198

Tip: bundle auto and renters insurance in Virginia

If you want to save, consider purchasing your renters and car insurance policies from the same company. Bundling auto and renters insurance in Virginia can lead to substantial savings on your auto insurance bill. In fact, bundling policies in Virginia leads to a yearly discount of $38.

Avg. Annual Rate (No Bundle) Avg. Annual Rate (w/ Bundle) Annual Savings ($) Annual Savings (%)
$918 $880 $38 4%

Virginia renters insurance FAQs


Is renters insurance required in Virginia?

Many landlords require renters insurance when signing your lease. However, the coverage is highly recommended anyway as it offers many protections to you and your belongings.

What does Virginia renters insurance cover?

In Virginia, renters insurance provides liability coverage, medical payments to others, property protection, and temporary housing should your home be made uninhabitable. Each renters insurance company may have different levels of coverage, so it's important to shop around to find the policy that is right for you.

Need a Renters Insurance Quote?

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.