Best and Cheapest Homeowners Insurance in Virginia for 2025 (Save With These 10 Companies)

USAA, State Farm, and Geico provide the best and cheapest homeowners insurance in Virginia starting at $92 per monthly rate. USAA focuses on delivering high-quality insurance to customers with military backgrounds.

State Farm is known for having a strong nationwide presence and discounts for smart home devices like smoke detectors. While Geico stands out for its competitive rates, providing affordable and reliable homeowners insurance for property owners in Virginia.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$92	A++	Military Focus	USAA
	#2	$100	A++	Nationwide Presence	State Farm
	#3	$108	A++	Competitive Rates	Geico
	#4	$115	A+	Usage-Based Innovation	Progressive
	#5	$117	A+	Digital Tools	Allstate
	#6	$125	A	Customer Satisfaction	American Family
	#7	$133	A	Strong Discounts	Farmers
	#8	$142	A	Flexible Options	Liberty Mutual
	#9	$150	A+	Personalized Service	Nationwide
	#10	$167	A++	Comprehensive Coverage	Travelers

Comparing the top providers is the key to find best coverage you need. Enter your ZIP code to find the best and cheapest homeowners insurance in Virginia.

What You Should Know

• Find the best and cheapest homeowners insurance in Virginia starting at $92/month
• USAA is the top pick for military families, offering affordable rates and excellent service
• State Farm and Geico provide strong options, with smart home discounts and competitive pricing

#1 – USAA: Top Overall Pick

Pros

• Focus on Military Members: Our USAA review focuses on delivering exclusive home insurance for active-duty military, veterans, and their families in VA.
• High Level of Customer Service: 24/7 claims assistance and fast payouts make USAA a top-rated provider in VA.
• Lowest Rates: Home insurance starts at $92/month, making it one of the cheapest in VA.

Cons

• Restriction of Membership: Only available to military families, excluding the general public in VA.
• Limited Presence of Agents: No local agents; policies are managed online or by phone.

#2 – State Farm: Best for Nationwide Presence

Pros

• Comprehensive Coverage Options: State Farm's broad policies covering home offices, jewelry, and additional structures in VA.
• Financial Stability: Holds an A++ A.M. Best rating, ensuring reliable claims processing
• Large Local Agent Network: Our State Farm review highlights that VA homeowners have access to in-person support from 19,000+ agents nationwide.

Cons

• Limited Discounts: Lacks as many savings opportunities as competitors for VA homeowners.
• Higher Premiums for Custom Policies: Custom coverage options can increase VA homeowners’ premiums beyond $100/month.

#3 – Geico: Best for Competitive Rates

Pros

• Bundling Discounts: VA homeowners can save up to 25% when bundling with auto insurance that is one of the ways customers say they've saved on homeowners insurance.
• Competitive Rates: Home insurance starts at $108/month, making it a budget-friendly option in VA.
• User-Friendly Digital Tools: Geico’s app lets VA homeowners file claims and update policies quickly.

Cons

• Limited Coverage Options: Geico partners with third-party insurers, restricting customization for VA homeowners.
• Mixed Claims Service: Some VA homeowners report delays due to third-party claims handling.

#4 – Progressive: Best for Usage-Based Innovation

Pros

• Wide Range of Discounts: VA homeowners can save up to 20% with bundling, security, and smart home discounts.
• HomeQuote Explorer: Our Progressive review discusses tools like HomeQuote Explorer to help VA residents compare multiple home insurance quotes in one place.
• Customizable Policies: Homeowners in VA can customize policies with add-ons like flood and identity theft protection.

Cons

• Higher Rates for High-Risk Homes: VA properties in high-risk areas may see premiums over $150/month.
• Inconsistent Customer Reviews: Some VA homeowners report slow claims processing.

#5 – Allstate: Best for Digital Tools

Pros

• Digital Tools: Allstate’s app allows VA homeowners to manage policies and track claims easily.
• Claim Rateguard: Prevents premium increases after the first claim, benefiting VA homeowners.
• Wide Availability: Strong in-person support across Virginia. Our Allstate review displays the types of coverage they offer.

Cons

• High Cost for Add-Ons: Extra coverage like flood insurance can push premiums above $140/month.
• Mixed Claims Experience: Some VA policyholders report delays with claim approvals.

#6 – American Family: Best for Customer Satisfaction

Pros

• Variety of Add-Ons: Includes matching siding protection and equipment breakdown coverage for VA homes.
• Discount Opportunities: Offers up to 30% off for claims-free, loyalty, and smart home discounts in Virginia.
• Customer Satisfaction: Our American Family review showcases VA homeowners rate AmFam highly for claims handling and support.

Cons

• Limited Availability: Not all parts of VA have access to AmFam home insurance.
• Premiums for Comprehensive Plans: Policies with extended replacement cost can exceed $160/month in Virginia.

#7 – Farmers: Best for Strong Discounts

Pros

• Flexible Policies: Virginia homeowners can tailor optional roof replacement and energy efficiency upgrades.
• Strong Discounts: Farmers provides savings up to 40% by bundling home and auto in Virginia. Read more: Farmers Insurance Reviews
• Responsive Local Agents: Farmers has 48,000+ agents, providing personalized service to VA residents.

Cons

• Limited Availability of Discounts: Not all Virginia homeowners qualify for savings.
• Higher Rates for Comprehensive Coverage: Extended protection can push costs beyond $150/month.

#8 – Liberty Mutual: Best for Flexible Options

Pros

• Flexible Options: Liberty Mutual provides customizable policies for homeowners in Virginia such as cash-value, replacement cost, and extended replacement costs.
• Smart Home Discounts: Virginia homeowners with security systems can save up to 25%.
• Strong Online Tools: The Liberty Mutual app simplifies claims and policy management for Virginia residents.

Cons

• Higher Rates for High-Risk Homes: Older VA homes or those in disaster-prone areas may pay $160+/month.
• Average Customer Service: Some VA homeowners report slow claims processing.

#9 – Nationwide: Best for Personalized Service

Pros

• Personalized Service: Our Nationwide review mentions VA homeowners can add better roof replacement, ordinance/law coverage, and water backup protection.
• Smart Technology Discounts: Fire alarms, burglar alarms, and smart thermostats can reduce VA premiums by 5-15%.
• Reliable Claims Handling: Nationwide’s On Your Side Claims Service speeds up claim approvals in Virginia.

Cons

• Higher Base Rates: VA homeowners pay an average of $150/month, making it pricier than some competitors.
• Policy Complexity: Customizing coverage can be overwhelming for first-time homeowners in VA.

#10 – Travelers: Best for Comprehensive Coverage

Pros

• Eco-Friendly Discounts: VA homeowners who upgrade to energy-efficient systems can save up to 10%.
• Best for High-Value Homes: Our Travelers review ensures extended replacement cost and green home coverage for VA luxury homes.
• Strong Financial Backing: Holds an A++ rating, ensuring reliable claim payouts for VA homeowners.

Cons

• Limited Local Offices: Fewer in-person service centers in VA compared to competitors.
• Higher Premiums for Older Homes: VA homes built before 1980 often see premiums exceed $170/month.

Virginia Homeowners Insurance Rates

Finding the best and cheapest homeowners insurance in Virginia involves more than just comparing premiums. Homeowners should also evaluate factors such as deductibles, claim history, and additional policy features that impact overall costs.

The table below provides an overview of average monthly premiums for $200K, $300K, and $500K home insurance policies from Virginia’s top providers.

Insurance Company	$200k Poolicy	$300k Policy	$500k Policy
	$117	$150	$208
	$125	$158	$217
	$133	$167	$225
	$108	$142	$200
	$142	$175	$233
	$150	$183	$242
	$115	$145	$205
	$100	$133	$192
	$167	$200	$258
	$92	$125	$183

USAA offers the lowest rates, starting at $92/month for a $200K policy, while Travelers has the highest premiums, with a $500K policy costing $258/month.

While premiums vary by provider, additional savings can be achieved through discounts. Many Virginia homeowners lower their rates by bundling home and auto insurance, maintaining a claim-free record, installing security systems, and insuring newer homes.

The table below highlights the percentage savings offered by major insurers. State Farm provides the largest bundling discount (20%) and the highest home security savings (15%), while Farmers and USAA offer the biggest claim-free discounts, at 25% and 23% respectively.

Insurance Company	Bundling	Claim-Free	Home Security	New Home	Loyalty
	15%	20%	10%	5%	8%
	10%	22%	12%	6%	10%
	12%	25%	14%	8%	7%
	18%	15%	8%	4%	12%
	14%	20%	9%	5%	6%
	11%	18%	10%	7%	9%
	16%	21%	11%	9%	10%
	20%	24%	15%	6%	12%
	13%	16%	7%	4%	8%
	10%	23%	12%	5%	11%

The base cost of home insurance in Virginia typically ranges from $18 to $54 per month for minimum coverage and $43 to $129 for full coverage with providers like Allstate and Liberty Mutual. However, actual rates depend on factors like location, home age, construction type, and claims history. Homeowners should compare both rates and discount options to find the most cost-effective coverage for their needs.

Virginia Homeowners Insurance Discounts

Homeowners in Virginia can take advantage of multiple discounts to lower their insurance costs. Many providers offer bundling, claims-free, and smart home discounts, allowing policyholders to save up to 25% on premiums.

Some insurers also provide specialized savings, such as green home coverage for energy-efficient upgrades, equipment breakdown protection for home appliances, and service line protection for underground utilities. These extra coverages not only help homeowners reduce long-term expenses but also provide enhanced protection for their property.

The table below outlines which Virginia home insurance providers offer green home coverage, equipment breakdown protection, and service line protection.

Insurance Company	Green Home Coverage	Equipment Breakdown Coverage	Service Line Protection
	✅	✅	✅
	✅	✅	✅
	✅	✅	✅
	❌	❌	❌
	✅	✅	✅
	✅	✅	✅
	❌	❌	❌
	✅	✅	✅
	✅	✅	✅
	✅	❌	❌

While most major insurers provide all three, Geico and Progressive lack these additional protections, and USAA does not include equipment breakdown or service line coverage. Homeowners should consider stacking multiple discounts and selecting a provider that offers both affordable rates and added coverage options for the best value.

By combining claims-free, new home, and security system discounts for having smart home devices, Virginia homeowners can further maximize their savings while ensuring comprehensive protection.

Finding the Best and Cheapest Homeowners Insurance in Virginia

Choosing the best and cheapest homeowners insurance in Virginia requires comparing rates, coverage options, and available discounts. USAA, State Farm, and Geico stand out as the top providers, each offering unique benefits to homeowners. USAA remains the most affordable choice for military families, with rates as low as $92 per month and exceptional customer service.

State Farm offers strong financial stability, comprehensive coverage, and a large network of local agents, making it a great option for homeowners who prefer in-person support. Geico provides some of the lowest rates in Virginia and excellent bundling discounts, making it ideal for budget-conscious homeowners.

To find the right policy, homeowners should compare premiums, deductible options, and additional coverages like equipment breakdown and service line protection.

Using our homeowners insurance guide and insurance comparison tool can help narrow down the best provider based on your home's value, location, and coverage needs. Enter your ZIP code to explore Virginia’s top insurance options and secure the best rates with maximum savings.