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.

Jamie Johnson
Written byJamie Johnson
Jamie Johnson
Jamie Johnson
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Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.

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Ashley Cox
Edited byAshley Cox
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Ashley CoxSenior Managing Editor
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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • 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 December 19, 2024

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Cheapest recent rates near Harrisonburg, Virginia

Drivers using Insurify have found quotes as cheap as $33/mo for liability only and $62/mo for full coverage in Harrisonburg and other Virginia cities.

*Quotes generated for Insurify users in and around Harrisonburg, Virginia within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 December 19, 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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $202.

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.

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.

  • Harrisonburg drivers pay a yearly average of $1,032 for a liability-only policy.

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
Progressive8.4$143$80Good drivers
State Farm9.3$62$33Teen drivers
GEICO9.0$83$44Savings
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 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

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 (5,896)

Robert

December 19, 2024

Verified Review

Average

They did not call me back as they promised they would.

Vincent

December 19, 2024

Verified Review

Poor

Too expensive.

Lester

December 19, 2024

Verified Review

Beware!

Beware of the inaccurate snapshot readings that Progressive uses to increase quotes.
See all Progressive reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82
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

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 9,243 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 (5,080)

Al

December 19, 2024

Verified Review

My Opinion

Way too high premium.

Agnes

December 19, 2024

Verified Review

Best Insurance Company

I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.

Gabriel

December 18, 2024

Verified Review

My Experience with State Farm

Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
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

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 10,464 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 (5,755)

Dianna

December 19, 2024

Verified Review

Roadside Assistance

When I needed emergency services on the road, they wanted me to go online. That was not possible at the time and they were not helpful.

Alan

December 18, 2024

Verified Review

Satisfied but too expensive

My experience with GEICO was good. They offer great coverage for the price and I'd recommend them to a friend. However, they are a bit more pricey but provide great services all the way around.

Samol

December 18, 2024

Verified Review

Geico is Good Insurance

It's excellent, but after a few accidents, the rates are creeping upwards.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
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 $28 per month

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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: Sunday, December 1 at 11:00 AM PST
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: Sunday, December 1 at 11:00 AM PST
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

Drivers using Insurify have found quotes as cheap as $43/mo for liability only and $69/mo for full coverage in Harrisonburg and other Virginia cities.

*Quotes generated for Insurify users in and around Harrisonburg, Virginia within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 December 19, 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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 December 19, 2024. Actual quotes 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 coverageN/ALimits 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance pays for damages and repairs caused by theft, fire, weather hazards, falling objects, vandalism, or a cracked windshield.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical expense benefits coverage

    Medical expense benefits coverage pays for the medical or funeral expenses of everyone in your car in a car accident.

  • illustration card https://a.storyblok.com/f/162273/150x150/f2122c3094/car-and-driving-96x96-orange_002-new-car.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement

    This coverage pays for rental coverage if your vehicle can’t be driven for more than 24 hours.

  • illustration card https://a.storyblok.com/f/162273/x/c8ad9d5019/driving-accidents.svg

    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: Sunday, December 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With Speeding Ticket
With At-Fault Accident
With DWI
Auto-Owners$28$36$38$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$100$105$128
Travelers$81$103$109$131
CSAA$89$115$123$130
GAINSCO$91$124$116$148
Safeco$96$123$128$140
Dairyland$101$128$133$164
Bristol West$104$133$139$169
AssuranceAmerica$111$140$144$180
Liberty Mutual$128$174$182$207
The General$133$172$181$216
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: Sunday, December 1 at 11:00 AM PST
Insurance Company
Teen Drivers
Senior Drivers
Auto-Owners$49$22
State Farm$51$21
GEICO$64$30
USAA$67$30
Erie$78$33
Chubb$84$30
Clearcover$92$41
Nationwide$92$36
Mercury$96$40
Allstate$113$47
Progressive$121$47
Elephant$130$61
Direct Auto$142$56
CSAA$150$66
Travelers$154$62
National General$162$59
GAINSCO$164$75
Dairyland$171$79
Bristol West$184$81
Safeco$191$80
AssuranceAmerica$213$82
The General$222$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.

Shop for Car Insurance in Harrisonburg, VA

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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:

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 $32 and $33, 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Virginia State Corporation Commission. "Auto Insurance Consumer's Guide."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. Virginia Law. "Insurance credit score disclosure; use of credit information."
Jamie Johnson
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.

Jamie has been a contributor at Insurify since October 2022.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 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.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • 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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