Title Insurance Cost by State: A 2026 Comparison
Title insurance costs differ between Virginia, Maryland and DC, and between underwriters. See real published premiums and what affects pricing in your area.
Local insight
Across the DMV, each title insurer files its own rates, so premiums vary between companies. In Virginia the rate can also be negotiated (Va. Code § 38.2-4608)—so shopping around can yield savings.
Title Insurance Cost Breakdown by State
Premiums on a $500,000 purchase from Stewart Title's published rate manuals (Virginia effective July 1, 2025; Maryland November 24, 2025; DC February 26, 2024), before reissue or other discounts. Other underwriters file their own rates, so your quote may differ.
| Jurisdiction | Standard owner's policy | Enhanced owner's policy | How rates work |
|---|---|---|---|
| Virginia | $2,097.50 | $2,517.50 | Each insurer files its own rates; can be negotiated |
| Maryland | $2,507.50 | $3,007.50 | Each underwriter files its own rates |
| DC | $2,700 | $3,240 | Each underwriter files its own rates |
Factors Affecting Title Insurance Costs
1. Home Value
Higher-value homes typically cost more to insure. Title insurance premiums are calculated based on the purchase price of the property.
2. State Regulations
In Virginia, Maryland and DC, each title insurer files its own rate schedule with the state insurance regulator, so premiums vary by underwriter. Virginia also lets insurers and agents negotiate the rate with a buyer.
3. Local Practices
Urban areas may have higher costs due to more complex title histories, potential for liens, and higher property values. Rural properties may have different risk profiles.
4. Endorsements
Additional coverage options (endorsements) can increase the premium. Common endorsements include survey coverage, zoning endorsement, and contiguity insurance.
Title Insurance in the DMV Region
Virginia
Each insurer files its own rates with the State Corporation Commission's Bureau of Insurance, and Virginia law lets the rate be negotiated. In Stewart's schedule, the lender's policy issued with an owner's policy is a flat $200.
Maryland
Each underwriter files its own rates with the Maryland Insurance Administration, so premiums vary between providers. In Stewart's schedule, the lender's policy issued with an owner's policy is $350.
Washington DC
Each underwriter files its own rates. In Stewart's DC schedule, a standard owner's policy on a $500,000 home is $2,700, and the lender's policy issued with it is $100.
Owner's vs. Lender's Title Insurance
It's important to understand the difference between the two types of title insurance:
Owner's Title Insurance
- Protects the buyer/owner
- One-time premium paid at closing
- Lasts as long as you own the property
- Protects against hidden defects
- Recommended for all buyers
Lender's Title Insurance
- Protects the mortgage lender
- One-time premium paid at closing
- Lasts for the life of the loan
- Protects lender's financial interest
- Required by most lenders
Frequently Asked Questions
Is title insurance required in every state?
While not legally required everywhere, lenders typically require a lender's title insurance policy.
Can I shop around for title insurance?
Yes. Each insurer files its own rates in Virginia, Maryland and DC, so premiums differ between companies, and in Virginia the rate can be negotiated (Va. Code § 38.2-4608). Compare the premium as well as the settlement fee on every quote.
What does title insurance cover?
It protects against title defects, liens, or ownership disputes not found during the title search.
How long does title insurance last?
The owner's policy lasts as long as you or your heirs own the property.
Get Your Title Insurance Quote
Contact Pruitt Title LLC for an accurate title insurance quote for your Virginia, Maryland, or DC property.