Cheapest Auto Insurance in Harrisonburg, Virginia (2026)

Harrisonburg drivers pay a monthly average of $145 for full-coverage insurance — less than the Virginia state average of $173 per month for full coverage and the national monthly full-coverage average of $173.

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, which 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.

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	8.7	$143	$116	Good drivers
State Farm	9.3	$101	$62	Teen drivers
GEICO	9.2	$166	$111	Savings

Disclaimer: Table data sourced from real-time Harrisonburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Harrisonburg may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  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 55,000 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

good drivers

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JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	622
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.	8.7 /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.	$91/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.	$111/mo

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Driver Reviews

How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Harrisonburg for

Competitive rates

Easy buying process

Telematics program

How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Harrisonburg for

Competitive rates

Easy buying process

Telematics program

Showing 45 Virginia reviews for Harrisonburg drivers - See all 8,158 Progressive reviews

Joyce

Verified Review

Bait and Switch?

Reviewed in Virginia on March 2, 2026

My car insurance premium doubled after 6 months with no accidents, no claims, no tickets, and never a DUI record. What happened to justify the 50% rate hike?

Ernest

Verified Review

I have no claims, have not ever had a DUI, don't have any speeding tickets, but my insurance goes up

Reviewed in Virginia on February 28, 2026

Plan for your insurance rates to go up from year to year for no apparent reason.

Stephen

Verified Review

Military and Senior Discounts

Reviewed in Virginia on February 22, 2026

Everyone says they give military and senior discounts, but they don't show up in the quotes.

Carol

Verified Review

Not Good

Reviewed in Virginia on February 17, 2026

They gave me a price, and three months later it tripled. They said they gave me an introductory offer, but no one ever used those words when my daughter and I talked with them!

Qaadir

Verified Review

Don't throw money away!

Reviewed in Virginia on February 14, 2026

When it comes to driver age cost for insurance, this company is very expensive. Don't believe the ads on TV.

Tracey

Verified Review

5+ Year Customer

Reviewed in Virginia on January 29, 2026

I had to cancel my policy after a move because I lost the multi-car discount. Progressive did offer me a discount for taking a renter's policy. However, with the new auto policy came the Snapshot app. In the end, my auto insurance doubled. I had been a policyholder prior to the move for over 5 years. I am on a fixed income and can no longer afford this. I guess I'll be playing the insurance game.

Phyllis

Verified Review

Unnecessary Increase!

Reviewed in Virginia on January 23, 2026

Progressive increased my rate by $18 a month after 6 months, even though I had 0 claims. That's an additional $108 for 6 months!

Rhonda

Verified Review

Beware of Progressive

Reviewed in Virginia on January 18, 2026

They had been charging me for an SR22 on my policy, and I found out about it when I called to chat about discount options. They charged me for 3 years and told me if I wanted a refund, I had to go to the DMV and get proof that I didn’t need one! I have never been required to have one.

David

Verified Review

Good rate

Reviewed in Virginia on January 18, 2026

So far, I must admit, they have the best rates compared to any of the other major insurance carriers.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

622

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.97

A.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

teen drivers

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User Reviews	4.0 7,209 reviews
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.	$51/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.	$84/mo

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Driver Reviews

4.0

Best choice in Harrisonburg, VABased on 15,982 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Harrisonburg for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Harrisonburg for

Customer service

Competitive rates

Discounts for safe drivers

Showing 45 Virginia reviews for Harrisonburg drivers - See all 7,209 State Farm reviews

Larry

Verified Review

Not pleased that State Farm is overpriced

Reviewed in Virginia on March 12, 2026

Shop around. State Farm is high but good.

Sandra

Verified Review

So Far Good Experience

Reviewed in Virginia on March 10, 2026

My experience was good. I have a problem using the app.

Holly

Verified Review

Frustrated Customer

Reviewed in Virginia on February 27, 2026

My policy increased consistently, even with no accidents and no tickets. Then when I had an accident, they dropped my coverage.

Richard

Verified Review

When you want to save money

Reviewed in Virginia on February 26, 2026

State Farm is good but has gotten expensive.

Robert

Verified Review

State Farm Ripoff

Reviewed in Virginia on February 19, 2026

They set their policies to get more money from the customer. I have the discounts available on my policy, and they increase their fee every month.

Bernard

Verified Review

My State Farm Agency Settlement of Minor Vehicle Bump

Reviewed in Virginia on February 16, 2026

I had a very minor bump at the local landfill with another vehicle last fall. Whether I was at fault was very questionable. I was never notified by State Farm about any settlement.

Jodi

Verified Review

Too expensive for a 2013 car. More than my health insurance. Actively looking for another cheaper insurance.

Reviewed in Virginia on January 9, 2026

Too expensive for a 2013 car. More than my health insurance. Actively looking for another cheaper insurance.

John

Verified Review

The Good, the Bad, and the Ugly

Reviewed in Virginia on January 5, 2026

I am 74. I actually have an employee of the agency call when I have a premium due. I have a clean driving record. All of my vehicles have liability-only coverage and most have farm tags. It is not cheap. The online process to shop for insurance is daunting. What is real and what is BS? To disclose personal info to a bot or someone that cannot communicate clearly is downright scary. A high premium with State Farm is much safer and affords peace of mind.

Robert

Verified Review

5 Stars

Reviewed in Virginia on January 2, 2026

Always the best service and gives me the best discounts. Very excellent. 5 stars.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.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

savings

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User Reviews	4.0 7,454 reviews
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.	9.2 /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.	$92/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.	$138/mo

Show Details

Driver Reviews

4.0

Best choice in Harrisonburg, VABased on 16,212 verified driver reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Harrisonburg for

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Harrisonburg for

Teen drivers

Cheap rates

Accident forgiveness

Showing 26 Virginia reviews for Harrisonburg drivers - See all 7,454 GEICO reviews

Linda

Verified Review

I have had them for over 2 years, and the car is getting older, but the prices keep going up. I haven't had any accidents in over 40 years. All insurance is sky high.

Reviewed in Virginia on March 6, 2026

I have had them for over 2 years, and the car is getting older, but the prices keep going up. I haven't had any accidents in over 40 years. All insurance is sky high.

Que

Verified Review

Check the fine print, and you do not owe them loyalty

Reviewed in Virginia on March 2, 2026

Huge increase every 6 months, even though I had no claims for 17 years!

Anthony

Verified Review

Dissatisfied with Rate Increase

Reviewed in Virginia on February 20, 2026

My policy renewal increased by over $100 for no reason. I haven't gotten a ticket or been in an accident. I have the safe drive app, but there's misinformation when using it. I train drivers, so most of the time I'm not driving when using my phone, and it's too much trouble trying to adjust whether I'm driving or not.

Margurita

Verified Review

Rate and Price

Reviewed in Virginia on February 10, 2026

Better rates and lower prices.

Mary

Verified Review

Even if it hurts, choose integrity.

Reviewed in Virginia on February 6, 2026

My policy doubled due to a parking issue. I was parallel parking and scraped the car behind me. It was my fault. But doubling my policy payment? I've been a customer for over thirty years. I owed the man behind me honesty, so I left a note on his windshield. However, the hike in my premiums is making it almost unaffordable to keep the car. They have been a good insurance company for the thirty-plus years I have enjoyed their coverage. I trust them. They send a locksmith or a battery jump when needed over the years. Two of my three adult children also use them.

Mohamed

Verified Purchase

The cost of the policy is too high

Reviewed in Virginia on January 27, 2026

The price of the coverage is very high.

Candi

Verified Review

Good at first but then...

Reviewed in Virginia on January 19, 2026

At first, Geico was good, but then my payments began to get higher and higher.

Jerry

Verified Review

Great service, pays claims quickly, may be overpaying

Reviewed in Virginia on January 16, 2026

Great service and coverage for their customers. They have been my auto insurer since 1978. They have covered every claim I have submitted. I have a 20-year-old Miata. A couple of years ago, the decayed convertible top was torn away when a storm came through. Over the years, it had been getting noisier and noisier in the car from wind blowing in through the tiny holes in the top. My wife suggested I try Geico before I paid out of pocket to replace the top. Much to my surprise, they covered the replacement. Very recently, I rented a car from Avis in New Orleans which had a number of scratches and dings when I got the car. I did not take photos at the time of the rental, but did get a walk-around from Avis noting the areas of damage at the time of rental. A couple of weeks after the return, Avis tried to charge me $5K for damages. I handed it off to Geico and they covered it. I don't know if they paid anything but I did not. There is, however, another side to Geico. My sister, who does not use Geico, was hit by someone with Geico. They jerked her around endlessly. She hates the company. Since I am a long-term customer, I am probably overpaying. I recently checked other companies and found their rates significantly lower. I haven't changed though.

Rebecca

Verified Purchase

My review

Reviewed in Virginia on January 3, 2026

Been flexible, very forward, and affordable.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.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 $51 per month

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Cheapest liability-only car insurance in Harrisonburg: State Farm

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 $94 per month.

Here are the cheapest options for purchasing liability-only insurance in Harrisonburg:

The below rates in Harrisonburg, VA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$51
Auto-Owners	$51
USAA	$70
Mercury	$71
Elephant	$75
Chubb	$76
CSAA	$80
Erie	$80
National General	$88
Bristol West	$89
Nationwide	$90
Progressive	$91
GEICO	$92
Direct Auto	$96
Safeco	$104
GAINSCO	$104
Allstate	$109
Dairyland	$115
Root	$115
Liberty Mutual	$132
AssuranceAmerica	$134
The General	$138
Clearcover	$140
Travelers	$146

Disclaimer: Table data sourced from real-time Harrisonburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Harrisonburg 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 $145 per month. Here are the best options for full coverage for Harrisonburg drivers:

The below rates in Harrisonburg, VA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$82
State Farm	$84
Progressive	$111
USAA	$113
Elephant	$115
CSAA	$123
Chubb	$124
Erie	$129
Mercury	$136
GEICO	$138
Nationwide	$147
Safeco	$154
Bristol West	$159
Direct Auto	$161
National General	$162
Liberty Mutual	$173
Allstate	$177
Root	$181
GAINSCO	$212
Travelers	$236
AssuranceAmerica	$237
Clearcover	$241
The General	$257
Dairyland	$286

Disclaimer: Table data sourced from real-time Harrisonburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Harrisonburg may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Virginia

In Virginia, drivers must obtain minimum amounts of bodily injury and property damage liability coverage. The specific coverage limits required in the state increased on Jan. 1, 2025. The table below reflects the change in 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 per accident	$25,000 per accident
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 in Harrisonburg, VA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DWI
State Farm	$51	$64	$67	$70
Auto-Owners	$51	$66	$67	$70
USAA	$70	$90	$93	$96
Mercury	$71	$99	$106	$102
Elephant	$75	$89	$97	$103
Chubb	$76	$96	$100	$105
CSAA	$80	$102	$116	$110
Erie	$80	$105	$105	$109
National General	$88	$109	$116	$121
Bristol West	$89	$112	$116	$122
Nationwide	$90	$116	$120	$124
Progressive	$91	$113	$118	$115
GEICO	$92	$120	$118	$125
Direct Auto	$96	$120	$129	$132
Safeco	$104	$136	$144	$152
GAINSCO	$104	$124	$132	$143
Allstate	$109	$142	$145	$150
Dairyland	$115	$143	$151	$158
Root	$115	$153	$152	$159
Liberty Mutual	$132	$167	$174	$182
AssuranceAmerica	$134	$170	$176	$184
The General	$138	$184	$188	$190
Clearcover	$140	$180	$202	$193
Travelers	$146	$189	$194	$201

Disclaimer: Table data sourced from real-time Harrisonburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Harrisonburg 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 in Harrisonburg, VA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Teen Drivers	Senior Drivers
State Farm	$104	$40
Auto-Owners	$108	$40
USAA	$137	$57
Mercury	$139	$56
Elephant	$140	$62
CSAA	$142	$64
Erie	$155	$61
Chubb	$165	$57
Bristol West	$168	$74
GEICO	$174	$73
Progressive	$184	$78
Nationwide	$185	$69
National General	$187	$69
Direct Auto	$194	$77
GAINSCO	$200	$88
Dairyland	$209	$97
Root	$210	$96
Safeco	$220	$91
Allstate	$227	$88
Clearcover	$245	$123
Liberty Mutual	$246	$110
The General	$256	$116
AssuranceAmerica	$292	$104
Travelers	$318	$116

Disclaimer: Table data sourced from real-time Harrisonburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Harrisonburg 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, in each of the following credit tiers:

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