Which county in Virginia has the lowest homeowners insurance?

Galax has the lowest homeowners insurance in Virginia, at $971.

What is the homeowners insurance in Galax?

Galax is ranked #1 in Virginia for homeowners insurance, at $971.

How is this homeowners insurance ranking calculated?

Counties in Virginia are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.

Counties With the Cheapest Homeowners Insurance in Virginia (2026)

Full county table and CSV download: Home insurance by county in Virginia

Cheapest counties for homeowners insurance in Virginia

Top 25 of 133 counties with data.

Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.

Cheapest counties for homeowners insurance in Virginia

Rank	County	Value
01	Galax$971 County page
02	Carroll$1,121 County page
03	Grayson$1,175 County page
04	Amherst$1,251 County page
05	Covington$1,301 County page
06	Buena Vista$1,303 County page
07	Lynchburg$1,308 County page
08	Alleghany$1,314 County page
09	Harrisonburg$1,315 County page
10	Rockingham$1,316 County page
11	Danville$1,318 County page
12	Waynesboro$1,330 County page
13	Bland$1,351 County page
14	Lexington$1,356 County page
15	Smyth$1,356 County page
16	Patrick$1,369 County page
17	Appomattox$1,375 County page
18	Augusta$1,379 County page
19	Henry$1,379 County page
20	Salem$1,389 County page
21	Radford$1,395 County page
22	Campbell$1,398 County page
23	Pulaski$1,400 County page
24	Staunton$1,407 County page
25	Martinsville$1,408 County page

How this ranking works

This page ranks Virginia counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

Frequently asked questions

Which county in Virginia has the lowest homeowners insurance?: Galax has the lowest homeowners insurance in Virginia, at $971.
What is the homeowners insurance in Galax?: Galax is ranked #1 in Virginia for homeowners insurance, at $971.
How is this homeowners insurance ranking calculated?: Counties in Virginia are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.