Cheapest Auto Insurance in Harrisonburg, Virginia (2024)
Harrisonburg drivers can secure rates as low as $28 per month for liability-only coverage through Auto-Owners.
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Written byJamie Johnson
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6 years experience in personal finance writing
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Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated November 20, 2024
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Table of contents
Harrisonburg drivers pay a monthly average of $150 for full-coverage insurance — less than the Virginia state average of $184 per month for full coverage and the national monthly full-coverage average of $204.
Harrisonburg is located in the Shenandoah Valley, an urban area with a small-town feel. The surrounding mountains encourage many outdoor activities, and you can walk to many destinations. The city’s smaller population of just over 51,000 means less congested highways that could contribute to its lower car insurance rates.
Here’s what you should know about comparing quotes and finding affordable coverage in the Friendly City.
Quick Facts
Auto-Owners, State Farm, and USAA have the cheapest car insurance in Harrisonburg.
Harrisonburg drivers pay a yearly average of $1,803 for full-coverage insurance.
Effective July 1, 2024, Virginia will require all drivers to maintain liability insurance. Drivers will no longer be able to opt out of insurance by paying an uninsured motorist fee to the DMV.
3 of the cheapest car insurance companies in Harrisonburg
The best insurance company will vary depending on your driving history, vehicle, and financial situation. Most insurance companies use similar criteria to determine car insurance rates, but each values this information differently.
If you’re in the market for auto insurance, the best thing you can do is get quotes from at least three different insurers. Here are a few of the best insurance companies for different types of drivers. The rates shown in the table below are for the state of Virginia.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Progressive | 8.4 | $147 | $80 | Good drivers |
| State Farm | 9.3 | $64 | $35 | Teen drivers |
| GEICO | 9.0 | $86 | $47 | Savings |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for good drivers: Progressive
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 819 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $66/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $122/mo |
How drivers feel about Progressive
Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (5,794)
Steven
November 19, 2024
Verified Review
I'll Stay with Them, No One Can Beat Them!
They are the cheapest I have found!
Lesley
November 16, 2024
Verified Review
Disappointed
If you want to use the auto pay feature, you have to do snapshot.
Joyce
November 14, 2024
Verified Review
Unfair Pricing
They initially offered a low price, but then added $100 after three months without any notice. I tried to contact them about it, but they either did not answer the phone or responded in a hostile manner. As a result, I had to cancel and find coverage elsewhere.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
If you have a good driving history, you could save big on car insurance with Progressive. When you enroll in the company's Snapshot usage-based telematics program, your car insurance is personalized to fit your driving history. Drivers in this program save an average of $231 annually, according to Progressive. But if Snapshot detects poor driving habits, your rates could increase.
Pros
Provides numerous rewards for good drivers
Offers many different discounts and ways to save
Cons
Doesn’t offer an anti-theft device discount
Below-average J.D. Power customer satisfaction rating in the Central region
Best insurer for teen drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $28/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $53/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm, the largest U.S. auto insurer by market share, is the best option for teen drivers looking for ways to save on auto insurance. Drivers younger than 25 can save up to 25% by maintaining good grades or taking an approved driver’s education course. And if you have a college student who’s away at school full-time without a vehicle, you can earn a discount.
Pros
Above-average J.D. Power customer satisfaction rating in the Central region
Offers rideshare insurance
Cons
Typically have to work with a State Farm agent to buy coverage
Doesn’t offer gap insurance
Best insurer for savings: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $38/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $71/mo |
4.0
Best choiceBased on 10271 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,647)
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
Chris
November 18, 2024
Verified Review
Poor
The customer service is below average and terrible.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers an above-average variety and number of discounts, so it’s the best choice for drivers who want to save money. You can earn a discount for having certain safety features, belonging to certain organizations, or remaining accident-free. And you can manage your policy through GEICO’s mobile app or website.
Pros
Offers many auto insurance discounts
Customer service available 24/7
Cons
Doesn’t offer gap or rideshare insurance
Below-average J.D. Power customer satisfaction rating in the Central region
How to get the cheapest car insurance in Harrisonburg
Multiple individual rating factors affect the cost of auto insurance, including your driving record, average mileage, ZIP code, and age.[1] Here are some tips for saving money on car insurance in Harrisonburg:
Choose a safer vehicle. Let your insurance company know if your car has an anti-theft device, automatic seat belts, or airbags. Many insurers will give you a discount for driving a safer vehicle.
Take advantage of low-mileage discounts. If you drive fewer than 7,500 miles per year, you may be eligible for a low-mileage discount.[2] Harrisonburg is a very walkable city, so you could save money by walking to work versus driving.
Complete a defensive driving course. Your driving history has a significant influence on your premiums, and a speeding ticket or at-fault accident will cause your rates to go up. Your insurer may offer you a discount for completing a defensive driving course.
Maintain good grades. Teen drivers pay more for auto insurance due to their lack of experience. But maintaining a B average or better could qualify teens for a good student discount.
Bundle your insurance. Insurance companies typically provide a significant discount for purchasing more than one policy with them. So you could save by bundling your auto and homeowners or renters insurance together, for example.
Find Car Insurance in Harrisonburg, Virginia
Liability rates start at $28 per month
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Based on 3,806+ reviews
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Cheapest liability-only car insurance in Harrisonburg: Auto-Owners
If you cause a car accident, liability insurance will pay for auto repairs and medical costs for the other driver. But you can’t use liability insurance to fix your vehicle or pay for your medical expenses.[3]
Liability insurance provides the minimum coverage needed to drive in most states. Most people need more coverage than this, but carrying liability-only insurance may make sense if your vehicle is more than 10 years old and has a low market value. The average cost of liability insurance in Harrisonburg is $86 per month.
Here are the cheapest options for purchasing liability-only insurance in Harrisonburg:
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $28 |
| State Farm | $28 |
| USAA | $38 |
| GEICO | $38 |
| Chubb | $42 |
| Erie | $44 |
| Clearcover | $48 |
| Nationwide | $50 |
| Mercury | $52 |
| Allstate | $60 |
| Progressive | $66 |
| Direct Auto | $74 |
| Elephant | $76 |
| National General | $79 |
| Travelers | $81 |
| CSAA | $89 |
| GAINSCO | $91 |
| Safeco | $96 |
| Dairyland | $101 |
| Bristol West | $104 |
| AssuranceAmerica | $111 |
| Liberty Mutual | $128 |
| The General | $133 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Harrisonburg: Auto-Owners
Full-coverage auto insurance offers more robust financial protection than what you’ll get with liability insurance. It includes liability, comprehensive, and collision insurance, so it’ll pay for the repairs for everyone involved in an auto accident. Full-coverage insurance will also protect your vehicle if it’s stolen or damaged by a falling object.
In Harrisonburg, the average cost for full-coverage car insurance is $150 per month. Here are the best options for full coverage for Harrisonburg drivers:
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $52 |
| State Farm | $53 |
| USAA | $71 |
| GEICO | $71 |
| Chubb | $78 |
| Erie | $81 |
| Clearcover | $88 |
| Nationwide | $93 |
| Allstate | $111 |
| Mercury | $112 |
| Progressive | $122 |
| Elephant | $130 |
| CSAA | $135 |
| Direct Auto | $143 |
| Travelers | $150 |
| National General | $153 |
| Safeco | $155 |
| Bristol West | $196 |
| Liberty Mutual | $198 |
| GAINSCO | $205 |
| AssuranceAmerica | $212 |
| Dairyland | $234 |
| The General | $267 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Harrisonburg, Virginia
Recent Harrisonburg, Virginia car insurance prices for Honda, Hyundai, Toyota , and more.
*Quotes generated for Insurify users in and around Harrisonburg, Virginia within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Harrisonburg, Virginia within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Virginia
Historically, Virginia has required all drivers to either carry its minimum required amount of liability insurance or opt out of insurance by paying a $500 uninsured motorist fee.
As of July 1, 2024, all Virginia drivers will be required to carry at least the minimum amount of car insurance. And minimum coverage requirements will increase on Jan. 1, 2025 for all Virginia drivers. In addition to higher liability limits, insurers will have to provide uninsured motorist coverage, although drivers can opt out of it in writing.
To drive in Virginia, you’ll need to meet the following minimum requirements:[2]
Coverage ▲▼ | 2024 Minimum Requirements ▲▼ | 2025 Minimum Requirements ▲▼ |
|---|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident | $50,000 per person/$100,000 per accident |
| Property damage liability | $20,000 | $25,000 |
| Uninsured/underinsured motorist coverage | N/A | Limits equal to or greater than liability coverage |
For many drivers, liability insurance won’t provide enough coverage. Here are some additional policies you can consider:
Collision coverage
Collision insurance pays for any damage to your vehicle from an at-fault accident, whether you hit another vehicle or a stationary object like a tree or light pole. It also covers rollover accidents and damage from hitting a pothole.
Comprehensive coverage
Comprehensive insurance pays for damages and repairs caused by theft, fire, weather hazards, falling objects, vandalism, or a cracked windshield.
Medical expense benefits coverage
Medical expense benefits coverage pays for the medical or funeral expenses of everyone in your car in a car accident.
Gap insurance
If you finance or lease your vehicle and it gets stole or totaled, you may find that your loan or lease balance exceeds the amount of your claims payout. Gap insurance steps in to pay the difference between the actual cash value of your vehicle (which is what your insurer would pay for a totaled car) and any remaining balance on your lease or loan.
Rental car reimbursement
This coverage pays for rental coverage if your vehicle can’t be driven for more than 24 hours.
Accident forgiveness
Causing an accident can increase your insurance rates for several years. But if you buy optional accident forgiveness, your insurer won't raise your rates after your first at-fault accident. You generally must have a good driving record for at least three years to qualify to buy accident forgiveness, and not all insurers offer it.
Cheapest car insurance for drivers with an incident
Your driving history is one of the biggest factors influencing your insurance premiums, and the better your record, the less you’ll pay for car insurance. So if you have a history of driving incidents, like speeding tickets, driving under the influence, or at-fault accidents, you can expect to pay more for insurance.
Any premium increases due to an accident or traffic violation can three to five years, depending on the severity of the infraction and your insurer. Here’s what you might pay for liability-only car insurance with a clean record versus different types of moving violations in Harrisonburg.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DWI ▲▼ |
|---|---|---|---|---|
| Auto-Owners | $28 | $36 | $37 | $45 |
| State Farm | $28 | $35 | $37 | $45 |
| USAA | $38 | $48 | $51 | $62 |
| GEICO | $38 | $48 | $51 | $62 |
| Chubb | $42 | $54 | $56 | $68 |
| Erie | $44 | $57 | $60 | $71 |
| Clearcover | $48 | $61 | $69 | $78 |
| Nationwide | $50 | $64 | $67 | $81 |
| Mercury | $52 | $71 | $74 | $78 |
| Allstate | $60 | $76 | $80 | $97 |
| Progressive | $66 | $83 | $89 | $107 |
| Direct Auto | $74 | $94 | $101 | $120 |
| Elephant | $76 | $104 | $99 | $123 |
| National General | $79 | $101 | $105 | $128 |
| Travelers | $81 | $104 | $109 | $131 |
| CSAA | $89 | $115 | $123 | $129 |
| GAINSCO | $91 | $125 | $116 | $147 |
| Safeco | $96 | $124 | $127 | $144 |
| Dairyland | $101 | $128 | $133 | $164 |
| Bristol West | $104 | $133 | $138 | $169 |
| AssuranceAmerica | $111 | $141 | $145 | $180 |
| Liberty Mutual | $128 | $175 | $182 | $207 |
| The General | $133 | $172 | $180 | $215 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Age is another factor that plays a significant role in determining your car insurance premiums. Drivers younger than 25 pay the highest rates for auto insurance. Your insurance rates start to go down around age 25 but begin to increase again at age 70.
If you fall into an age bracket with higher insurance premiums, you still have ways to save. Teen drivers and college students can save money by taking a driver’s education course or maintaining good grades, for example.
Virginia law also requires auto insurance companies to offer discounts to drivers older than 55 for completing a motor vehicle accident prevention course approved by the Department of Motor Vehicles.[2]
Below you can find the cheapest liability-only quotes offered for Harrisonburg teen and senior drivers:
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Teen Drivers ▲▼ | Senior Drivers ▲▼ |
|---|---|---|
| Auto-Owners | $49 | $22 |
| State Farm | $50 | $21 |
| GEICO | $64 | $30 |
| USAA | $67 | $30 |
| Erie | $77 | $33 |
| Chubb | $84 | $30 |
| Nationwide | $91 | $36 |
| Clearcover | $92 | $40 |
| Mercury | $96 | $40 |
| Allstate | $112 | $47 |
| Progressive | $121 | $46 |
| Elephant | $129 | $61 |
| Direct Auto | $141 | $56 |
| CSAA | $150 | $66 |
| Travelers | $153 | $62 |
| National General | $162 | $59 |
| GAINSCO | $164 | $75 |
| Dairyland | $171 | $79 |
| Bristol West | $183 | $81 |
| Safeco | $192 | $80 |
| AssuranceAmerica | $213 | $82 |
| The General | $221 | $105 |
| Liberty Mutual | $230 | $105 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Harrisonburg car insurance quotes by credit tier
Insurance companies use many factors to determine how likely you are to file a claim. Research has shown that consumers with bad credit file more claims than consumers with good credit. So if you have excellent or good credit, your premiums will be lower than drivers with poor credit.
Virginia allows insurers to consider credit history when evaluating consumers for car insurance. So you can expect to pay less if you have a better credit history.[4]
Here’s what Harrisonburg pay, on average, for each of the following credit tiers:
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Harrisonburg car insurance FAQs
If you’re shopping for car insurance in Harrisonburg, Virginia, this additional information may help as you research your coverage options.
How much is car insurance in Harrisonburg?
Car insurance in Harrisonburg costs $86 per month for liability-only coverage and $150 per month for full coverage, according to Insurify data.
Which company has the cheapest car insurance in Virginia?
Auto-Owners and State Farm have the cheapest car insurance in Virginia, with monthly liability-only rates of $34 and $35, respectively.
But the best insurance company for you will depend on many factors, including your age, where you live, the type of car you drive, and your driving history. Comparing quotes from at least three different insurance companies is the best way to find coverage that meets your needs.
What are the best car insurance companies in Harrisonburg?
With high J.D. Power customer satisfaction ratings, an A++ (Superior) rating from AM Best, and a high Insurify Quality (IQ) Score, State Farm is one of the best car insurance companies in Harrisonburg. Other top insurers include GEICO and Progressive.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Virginia
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Virginia State Corporation Commission. "Auto Insurance Consumer's Guide."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Virginia Law. "Insurance credit score disclosure; use of credit information."
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Jamie Johnson
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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