Cheapest Auto Insurance in Harrisonburg, Virginia (2024)

Harrisonburg drivers can secure rates as low as $33 per month for liability-only coverage through Auto-Owners.

Jamie Johnson
Written byJamie Johnson
Jamie Johnson
Jamie Johnson
  • 6 years experience in personal finance writing

  • Featured on Credit Karma and Insider

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
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

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Updated May 23, 2024

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Cheapest recent rates near Harrisonburg, Virginia

Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $71/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 May 23, 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 May 23, 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 May 23, 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 May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Harrisonburg drivers pay a monthly average of $142 for full-coverage insurance — less than the Virginia state average of $168 per month for full coverage and the national monthly full-coverage average of $215.

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 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 Mercury have the cheapest car insurance in Harrisonburg.

  • Harrisonburg drivers pay a yearly average of $1,708 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Progressive4.2$157$82Good drivers
State Farm4.6$71$40Teen drivers
GEICO4.4$95$54Savings
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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for good drivers: Progressive

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$69/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.
$134/mo

If you have a good driving history, you could save big on car insurance with Progressive. When you enroll in the ​​Snapshot program, your car insurance is personalized to fit your driving history. Drivers in this program save an average of $231 annually, according to Progressive.

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

Read our Progressive review
Randy - May 22, 2024
Verified

Difficult to Submit Forms Due to Backlogged Office

I would rate them 5 out of 5, or 10 out of 10, except for their backlogged office handling past Proof Of Insurance forms.

Dexter - May 22, 2024
Verified

No

They keep increasing the prices.

Patricia - May 22, 2024
Verified

They are ok

I probably would not recommend them. I have had no dealings with the agent. I only had a phone conversation to renew and received no help. I was only able to renew with what I had.

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$34/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.
$60/mo

State Farm 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
  • May have to speak to an agent to get started

  • Doesn’t offer as many discounts as some other insurers

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurer for savings: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$46/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.
$81/mo

GEICO is known for offering tons of discounts on auto insurance, 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

Read our GEICO review
Kimberly - May 22, 2024
Verified

Never Again

They are horrible at handling claims and make you feel bad.

Anita - May 22, 2024
Verified

Excellent

Good customer service. Megan Burrell is very helpful and professional.

Charles - May 22, 2024
Verified

Good Insurance

Awesome.

How to get the cheapest car insurance in Harrisonburg

Multiple 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.

  • 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 will give you a discount for purchasing more than one policy with them. So you could save by bundling your auto and homeowners insurance together, for example.

Find Car Insurance in Harrisonburg, Virginia

Liability rates start at $33 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 liability insurance may make sense if your vehicle is more than 10 years old. The average cost of liability insurance in Harrisonburg is $79 per month.

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

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners33
State Farm34
Mercury44
GEICO46
USAA46
Chubb50
Clearcover51
Erie52
Safeco58
Nationwide59
Midvale Home & Auto62
Direct Auto69
Progressive69
State Auto69
Allstate71
Elephant71
National General81
AssuranceAmerica87
GAINSCO87
Dairyland89
Liberty Mutual90
Travelers95
CSAA103
Bristol West113
The General130
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 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 $142 per month. Here are the best options for full coverage for Harrisonburg drivers:

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners59
State Farm60
GEICO81
USAA81
Clearcover87
Chubb89
Erie92
Mercury93
Safeco95
Midvale Home & Auto103
Nationwide105
State Auto119
Direct Auto123
Allstate127
Elephant127
Progressive134
AssuranceAmerica138
Liberty Mutual145
National General158
CSAA164
Travelers169
GAINSCO203
Bristol West223
Dairyland223
The General243
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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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. 

The uninsured motorist fee is paid to the Department of Motor Vehicles, and it doesn’t provide any auto insurance. It permits you to drive your car while uninsured, at your own risk. If you’re caught driving without liability coverage and haven’t paid the uninsured motorist fee, your license will be suspended.

But Virginia recently changed its law to eliminate the uninsured motorist fee option. As of July 1, 2024, all Virginia drivers will be required to carry at least the minimum amount of car insurance.

To drive in Virginia, you’ll need to meet the following minimum requirements:[2]

CoverageMinimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$20,000

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 damages and repairs caused by an accident, regardless of who is at fault.

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

    Comprehensive coverage

    Comprehensive insurance pays for damages and repairs caused by a fire, falling object, vandalism, or weather damage.

  • 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/162273/100x100/24f1697280/car-key.svg

    Transportation expenses

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

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 last up to 36 months. Here’s what you might pay for car insurance with a clean record versus different types of moving violations in Harrisonburg.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Auto-Owners33434455
State Farm34444557
Mercury44616366
GEICO46596277
USAA46596277
Chubb50656783
Clearcover51667385
Erie52687187
Safeco58767597
Nationwide59778098
Midvale Home & Auto628388103
Direct Auto699095115
Progressive698994115
State Auto6997102115
Allstate719195118
Elephant7110194118
National General81115108135
AssuranceAmerica87115117145
GAINSCO87124113145
Dairyland89115119148
Liberty Mutual90128132150
Travelers95123128158
CSAA103136145171
Bristol West113144149188
The General130169178216
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 35 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 discount 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyTeen DriversSenior Drivers
Auto-Owners5624
State Farm5724
GEICO7234
USAA7634
Mercury7931
Erie8736
Chubb9134
Clearcover9838
Nationwide10041
Midvale Home & Auto10743
Elephant11652
Safeco12143
State Auto12149
Allstate12353
Progressive12446
Direct Auto12549
Dairyland14866
National General15060
GAINSCO15566
AssuranceAmerica16061
Liberty Mutual16666
CSAA16875
Travelers17069
Bristol West19184
The General20999
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, 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 $79 per month for liability-only coverage and $142 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 $39 and $40, 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.

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.

Featured in

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