Virginia Title Insurance Cost: What an Owner's and Lender's Policy Costs
An owner's title insurance policy on a $462,400 Virginia home costs about $1,831, and the lender's policy issued with it about $250, under the filed rate schedule. The owner's policy rate is $4 per $1,000 up to $250,000, $3.90 per $1,000 from $250,000 to $500,000, $3.58 per $1,000 from $500,000 to $1,000,000, $2.36 per $1,000 from $1,000,000 to $2,000,000, $2.09 per $1,000 from $2,000,000 to $5,000,000, $1.75 per $1,000 from $5,000,000 to $15,000,000, $0 per $1,000 above $15,000,000, with a minimum premium of $250 (the price is rounded up to the next $1,000).
Virginia title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $600 | $250 | $850 |
| $200,000 | $800 | $250 | $1,050 |
| $250,000 | $1,000 | $250 | $1,250 |
| $300,000 | $1,195 | $250 | $1,445 |
| $350,000 | $1,390 | $250 | $1,640 |
| $400,000 | $1,585 | $250 | $1,835 |
| $450,000 | $1,780 | $250 | $2,030 |
| $500,000 | $1,975 | $250 | $2,225 |
| $600,000 | $2,333 | $250 | $2,583 |
| $700,000 | $2,691 | $250 | $2,941 |
| $800,000 | $3,049 | $250 | $3,299 |
| $1,000,000 | $3,765 | $250 | $4,015 |
Virginia uses filed rates: each underwriter files its own rate manual with the state insurance department, so premiums differ by a few hundred dollars from one title company to another. The schedule below is one underwriter's filed rate. Schedule shown: WFG National Title Insurance Company.
Virginia title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Virginia rate schedule.
Who pays for the owner's policy
Who pays for the owner's policy in Virginia is negotiable in the purchase contract. The standard Northern Virginia Association of Realtors and Virginia REALTORS forms typically assign the owner's policy to the buyer, though this is contract custom rather than a statutory default.
When the owner's and lender's policies are issued together at closing, the lender's policy is charged at the reduced simultaneous-issue rate (a flat $250); that is the lender figure used on this page.
Title insurance at the county median price
The rate schedule is statewide; what changes from county to county is the home price. The ten most populous counties are shown; every Virginia county is in the list below.
| County | Median home price | Owner's policy |
|---|---|---|
| Arlington County | $864,800 | $3,282 |
| Chesapeake city | $359,100 | $1,429 |
| Chesterfield County | $336,700 | $1,339 |
| Henrico County | $333,600 | $1,328 |
| Loudoun County | $701,000 | $2,695 |
| Newport News city | $243,300 | $976 |
| Norfolk city | $271,900 | $1,086 |
| Prince William County | $500,600 | $1,979 |
| Richmond city | $328,100 | $1,308 |
| Virginia Beach city | $366,300 | $1,456 |
All 133 Virginia counties
- Accomack County
- Albemarle County
- Alexandria city
- Alleghany County
- Amelia County
- Amherst County
- Appomattox County
- Arlington County
- Augusta County
- Bath County
- Bedford County
- Bland County
- Botetourt County
- Bristol city
- Brunswick County
- Buchanan County
- Buckingham County
- Buena Vista city
- Campbell County
- Caroline County
- Carroll County
- Charles City County
- Charlotte County
- Charlottesville city
- Chesapeake city
- Chesterfield County
- Clarke County
- Colonial Heights city
- Covington city
- Craig County
- Culpeper County
- Cumberland County
- Danville city
- Dickenson County
- Dinwiddie County
- Emporia city
- Essex County
- Fairfax city
- Fairfax County
- Falls Church city
- Fauquier County
- Floyd County
- Fluvanna County
- Franklin city
- Franklin County
- Frederick County
- Fredericksburg city
- Galax city
- Giles County
- Gloucester County
- Goochland County
- Grayson County
- Greene County
- Greensville County
- Halifax County
- Hampton city
- Hanover County
- Harrisonburg city
- Henrico County
- Henry County
- Highland County
- Hopewell city
- Isle of Wight County
- James City County
- King and Queen County
- King George County
- King William County
- Lancaster County
- Lee County
- Lexington city
- Loudoun County
- Louisa County
- Lunenburg County
- Lynchburg city
- Madison County
- Manassas city
- Manassas Park city
- Martinsville city
- Mathews County
- Mecklenburg County
- Middlesex County
- Montgomery County
- Nelson County
- New Kent County
- Newport News city
- Norfolk city
- Northampton County
- Northumberland County
- Norton city
- Nottoway County
- Orange County
- Page County
- Patrick County
- Petersburg city
- Pittsylvania County
- Poquoson city
- Portsmouth city
- Powhatan County
- Prince Edward County
- Prince George County
- Prince William County
- Pulaski County
- Radford city
- Rappahannock County
- Richmond city
- Richmond County
- Roanoke city
- Roanoke County
- Rockbridge County
- Rockingham County
- Russell County
- Salem city
- Scott County
- Shenandoah County
- Smyth County
- Southampton County
- Spotsylvania County
- Stafford County
- Staunton city
- Suffolk city
- Surry County
- Sussex County
- Tazewell County
- Virginia Beach city
- Warren County
- Washington County
- Waynesboro city
- Westmoreland County
- Williamsburg city
- Winchester city
- Wise County
- Wythe County
- York County
Title insurance in Virginia cities
| City | Median home price | Owner's policy |
|---|---|---|
| Virginia Beach | $366,300 | $1,456 |
| Chesapeake | $359,100 | $1,429 |
| Arlington | $864,800 | $3,282 |
| Norfolk | $271,900 | $1,086 |
| Richmond | $328,100 | $1,308 |
| Newport News | $243,300 | $976 |
| Alexandria | $696,800 | $2,680 |
| Hampton | $234,100 | $940 |
| Roanoke | $180,500 | $724 |
| Portsmouth | $229,400 | $920 |
All 17 Virginia cities over 50,000 people
What the two policies cover
The owner's policy protects your equity against title defects that predate your purchase: undisclosed liens, forged deeds, missing heirs, recording errors. The lender's policy protects only the mortgage lender for the loan amount and is required by nearly every lender. Premiums are one-time and paid at closing. Because underwriters file competing rates, getting two quotes at your purchase price is worth a few hundred dollars.
Frequently asked questions
How much is title insurance in Virginia?
On a $462,400 home, the Virginia median, an owner's title policy costs about $1,831 under the filed rate schedule, and the lender's policy issued with it costs $250, so both policies together are about $2,081. The premium rises with the purchase price; the table on this page shows it from $150,000 to $1,000,000.
Who pays for title insurance in Virginia?
Who pays for the owner's policy in Virginia is negotiable in the purchase contract. The standard Northern Virginia Association of Realtors and Virginia REALTORS forms typically assign the owner's policy to the buyer, though this is contract custom rather than a statutory default.
Is title insurance a one-time cost?
Yes. Both the owner's policy and the lender's policy are paid once at closing and cover the property for as long as you (or your lender) hold an interest in it. There are no annual premiums.
Can I shop for title insurance in Virginia?
Yes. Virginia underwriters file their own rate manuals, so premiums differ by company; ask two or three title companies for a quote at your price and compare their settlement fees as well.
Sources
Rates as filed or promulgated, checked September 22, 2026. Premiums are computed from the schedule above and rounded to the dollar; endorsements, settlement fees and search fees are separate. All sources.
See all Virginia buyer closing costs →
Premiums are computed from the rate schedule cited above and rounded to the dollar; your title company's quote may add endorsements, search and settlement fees. This is general information, not financial advice.
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