Cheap Auto Insurance Quotes in Harrisonburg, VA (January 2022)

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Last Updated: January 2022

Car Insurance in Harrisonburg, VA

The average cost of Virginia car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Harrisonburg, VA to find you the cheapest quotes in the area.
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Cheapest Car Insurance in Harrisonburg, VA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

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Harrisonburg, VA Driving Facts


Minimum Car Insurance Requirements in VA

In Virginia, motorists are required to purchase liability insurance in the following minimum coverage limits:

  • $25,000 for bodily injury or death of one person
  • $50,000 for bodily injury or death of two+ people
  • $20,000 for property damage liability

Proof of insurance should be kept in the vehicle at all times. This can be in the form of an insurance card or policy declaration page. And while lawyers and police officers may disagree about whether carrying proof of insurance is a law, your best bet is to comply with the recommendations of the DMV. 

Find local Harrisonburg agents

Crossroads Ins Agcy 
560 Neff Ave Ste 700, Harrisonburg, VA 22801-8051
LD&B Ins & Financial Svcs 
205 S Liberty St, Harrisonburg, VA 22801
HIABRB Ins Agcy LLC dba Hammond Ins Svcs 
3230 Peoples Dr, Harrisonburg, VA 22801-7600
McGriff Ins Harrisonburg 
328 S Main St, Harrisonburg, VA 22801-3628
McMillen Ins Agcy Inc 
370 Neff Ave #D, Harrisonburg, VA 22801
HIS Insurance & Service
789 E Market St #A, Harrisonburg, VA 22801
Insurance Center of Harrisonburg
981 S High St, Harrisonburg, VA 22801
Jenkins Insurance & Financial Services Inc
1920 S Main St, Harrisonburg, VA 22801
Blue Ridge Insurance Services
116 Reservoir St, Harrisonburg, VA 22801
Rockingham Insurance
633 E Market St, Harrisonburg, VA 22801

Insurify Insights: How Harrisonburg Drivers Measure Up

Honda Civic
Most Popular Car in
Harrisonburg, VA
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Harrisonburg drivers measure up to their fellow Virginia motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Harrisonburg

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Harrisonburg drivers rank 44 in the number of car accidents per driver across all cities in Virginia.

  • Rank within state: #44
  • Percent of drivers in Harrisonburg with an accident: 9.39%
  • Drivers in Harrisonburg, VA with an accident in their driving history paid on average 96.9% more than drivers with a clean record

Speeding in Harrisonburg

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Virginia, Harrisonburg drivers rank 11 in the number of speeding infractions per driver.

  • Rank within state: #11
  • Percent of drivers in Harrisonburg with a speeding ticket: 16.02%
  • Drivers in Harrisonburg, VA with a speeding ticket in their driving history paid on average 43.41% more than drivers with a clean record

DUI/DWIs in Harrisonburg

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Harrisonburg drivers rank 40 in the number of DUI’s per driver across all cities in Virginia.

  • Rank within state: #40
  • Percent of drivers in Harrisonburg with a DUI: 1.38%
  • Drivers in Harrisonburg, VA with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Harrisonburg

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Harrisonburg is the Honda Civic.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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