On average, auto insurance in Harrisonburg costs about $51 per month for minimum coverage liability insurance and about $116 per month for full coverage insurance. Harrisonburg drivers pay 28% less rates than the average.

With dozens of popular insurance companies to choose from, finding the best rate can be tricky. The easiest way to find affordable rates without compromising coverage is to shop around and compare

car insurance quotes

Many Harrisonburg drivers have found affordable coverage with help from the

Jerry Insurance Agency

, which aggregates quotes to help drivers pick the best policy. Below are some of the cheapest car insurance quotes Jerry found for our Harrisonburg customers.

Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Progressive	$62	Julia, 38 Zip: 22801	Chevrolet Malibu LS	• 30,000/60,000 Liability
Safeco	$69	Jesus, 71 Zip: 22802	Ford Fusion S	• 30,000/60,000 Liability • Comp / Collision
Nationwide	$74	Logan, 32 Zip: 22801	Hyundai Ioniq SEL	• State Minimum Liability • Comp / Collision
AAA	$181	Sean, 28 Zip: 22802	Nissan Altima 2.5	• 30,000/60,000 Liability • Comp / Collision
Nationwide	$91	Bernice, 43 Zip: 22802	Audi A6 Premium Plus	• 100,000/300,000 Liability • Comp / Collision

Last Updated Apr 24, 2024

Compare car insurance quotes now

Best car insurance companies in Harrisonburg

Here’s a reality check: there’s no one insurance company that guarantees the best car insurance (and lowest rate) for every single driver. Every Harrisonburg driver is unique, and so are their premiums.

To find the best rates, you need to

compare quotes

from many auto insurance companies. Your personal driver profile and your coverage needs will determine which company is best for you.

To help Harrisonburg drivers better compare the cheapest car insurance companies, Jerry conducted a major insurance survey. The data reveals that

State Farm

and

USAA

tend to offer the lowest premiums in Harrisonburg, but you may not be eligible for the best of these rates. The most common insurance companies in Harrisonburg are State Farm, USAA,

Progressive

Allstate

, and

Nationwide

, but only State Farm’s rates are lower than the Virginia state average.

Here’s a look at some real reviews from Harrisonburg drivers about their insurance companies.

The table below shows how drivers in Harrisonburg rate different companies on a scale of 0 to 5.

Insurance company	Overall rating	Price	Claims experience	Customer service
Progressive	4.2	3.7	3.7	4.3
Liberty Mutual	4.2	3.6	N/A	4.8
Geico	4.1	3.3	4.4	4.2
State Farm	4	3.5	4	3.9
Allstate	3.9	4.2	N/A	4.1

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Harrisonburg

Virginia laws

require all Harrisonburg drivers to carry minimum

liability insurance

of 30/60/20, including property damage liability and bodily injury liability coverage.

Drivers must also carry

uninsured motorist coverage

to at least the same limits.

Cheap minimum liability insurance quotes in Harrisonburg

Let’s break down the minimum required liability coverage for Harrisonburg drivers:

$30,000 per person of

bodily injury liability

coverage

$60,000 per accident of bodily injury liability coverage

$20,000 per accident of

property damage liability

But that’s not all—just over 10% of Virginia drivers are uninsured. That’s why Virginia also requires

uninsured motorist (UM) coverage

for all Harrisonburg drivers.

UM coverage must include the same levels of protection as liability coverage. Underinsured coverage is similar, but it kicks in when the person doesn’t have enough coverage.

Virginia is an at-fault state

. If you get into an accident in Harrisonburg with a driver who does not have insurance, you’ll have no recourse for damages with liability-only coverage. But with UM coverage, you’re safe.

Here are the required coverage levels for UM in Harrisonburg:

$30,000 in

uninsured motorist bodily injury

per person

$60,000 in uninsured motorist bodily injury per accident

$20,000 in uninsured motorist property damage per accident

Under the Virginia state code, no Harrisonburg driver is exempt from these requirements.

You can find affordable minimum liability and uninsured motorist coverage in Harrisonburg with help from Jerry—like the drivers below.

Progressive

Clifford (52 years old)

Coverage

State Minimum

Harrisonburg, VA
(Zip Code: 22802)

Volkswagen NEW Beetle Convertible Option Package 1

$135

per month

Nationwide

Logan (32 years old)

Coverage

State Minimum

Harrisonburg, VA
(Zip Code: 22801)

Hyundai Ioniq SEL

$74

per month

Safeco

Harold (35 years old)

Coverage

State Minimum

Harrisonburg, VA
(Zip Code: 22801)

Hyundai Sonata SE

$106

per month

Clearcover

Alex (42 years old)

Coverage

State Minimum

Harrisonburg, VA
(Zip Code: 22802)

Toyota Corolla LE

$114

per month

Electric

Eleanor (41 years old)

Coverage

State Minimum

Harrisonburg, VA
(Zip Code: 22802)

Ford Flex Limited

$72

per month

Do you need more than minimum coverage in Harrisonburg?

You won’t be breaking any laws if you stick with the minimums, but many Harrisonburg drivers prefer higher limits to get more protection in the event of a serious car accident.

Consider the costs after a major crash. From medical expenses to car replacement fees, you could be sued for hundreds of thousands of dollars if you cause a crash. Virginia’s minimum coverage may not cover all these fees—which means you’d be on the hook.

It’s smart to get as much liability coverage as you can afford, and the extra protection may not cost you as much as you think. Check out some sample rates below.

The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—or get full coverage on your car.

Cheap full coverage car insurance quotes in Harrisonburg

Did you know that liability coverage only protects other people? Full coverage in Harrisonburg is the only way to protect yourself and your car, whether from storm damage or traffic accidents.

A full coverage policy includes

comprehensive

and

collision coverage

Collision coverage: If your car is damaged in a collision, this coverage will pay for repairs.

Comprehensive coverage: If you suffer non-collision damage—like theft, storm damage, or vandalism—this coverage will kick in.

A lender can require you to carry full coverage on a financed vehicle. That’s because they want to protect their investment while it’s being paid off. Make sure you consult with your lender before selecting an insurance policy in Harrisonburg.

Here’s a breakdown of Harrisonburg

full coverage car insurance costs

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• 30,000/60,000 Liability • Comp / Collision	Progressive	$143	Alejandro, 23 Zip: 22801	Jeep Renegade Latitude
• 30,000/60,000 Liability • Comp / Collision	Safeco	$69	Jesus, 71 Zip: 22802	Ford Fusion S
• 100,000/300,000 Liability • Comp / Collision	Nationwide	$91	Bernice, 43 Zip: 22802	Audi A6 Premium Plus
• State Minimum Liability • Comp / Collision	Nationwide	$74	Logan, 32 Zip: 22801	Hyundai Ioniq SEL
• 30,000/60,000 Liability • Comp / Collision	AAA	$181	Sean, 28 Zip: 22802	Nissan Altima 2.5

Last Updated Apr 24, 2024

The easiest and fastest way to find the cheapest car insurance in for your preferred coverage option is to compare car insurance rates online.

Jerry,

a top insurance agency

, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

Average cost of car insurance in Harrisonburg

In helping hundreds of Harrisonburg drivers find cheaper rates, we found the average cost for minimum liability coverage to be $51 per month or $612 per year.

The average cost for full coverage insurance in Harrisonburg is $116 per month or $1,392 per year.

Don’t jump to any conclusions! These are average rates, but you’re probably not the average Harrisonburg driver. You might have a better driving history—or maybe a few tickets on your record. Your unique driver profile will be the source of your unique rate.

Average cost of car insurance in Harrisonburg by zip code

Zip code is a key indicator of risk. In some zip codes within Harrisonburg, there’s a higher incidence of auto theft claims. In other areas, the rate of traffic accidents is higher. That’s why your zip code plays a key role in determining your rate.

If you live in a “high risk” zip code in Harrisonburg that’s extra prone to accidents that could trigger a claim, you’ll be charged more for coverage.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
22801	$99	$165
22802	$52	$157

Compare car insurance costs in other states

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New Jersey car insurance

Ohio car insurance

Car insurance quotes in Harrisonburg by rating factors

Insurance companies in Harrisonburg use many rating factors when

deciding your auto insurance premium

Your driving record and claims history: A pattern of traffic violations and accidents signals that you’re likely to get into more trouble—and you’ll pay more for coverage.

Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.

Your credit score: If you have good credit (over 750), you’ll get the cheapest rates. Drivers with bad credit pay a lot more for coverage.

The kind of car you have: Luxury and sports cars come with higher insurance price tags.

Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.

How you use your car: More frequent usage means higher insurance rates, due to the increase in risk.

How do different factors impact your car insurance costs in Harrisonburg?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Harrisonburg currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Harrisonburg:

Cheap car insurance quotes in Harrisonburg after driving violations

Driving violations in Harrisonburg not only carry fines and legal penalties, but they can drive up the cost of insurance, too. If you have a long list of violations on your record, you’ll be tagged a

high-risk driver

. You can still find coverage, but your policy will cost more than the average Harrisonburg driver’s.

Cheapest car insurance in Harrisonburg after speeding ticket

Break the speed limits in Harrisonburg and you’ll be penalized according to how high over the speed limit you were traveling. The

speeding fines

in Virginia increase by mile increments, not to mention the extremely high fines for

reckless driving

But speeding tickets also matter a lot when it comes to insurance rates for Harrisonburg drivers.

find affordable coverage

with a speeding ticket on your record, turn to Jerry—here’s how we helped other Harrisonburg drivers in your position.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	Progressive	$142	Louisa, 41 Zip: 22801	Mazda 3 Sport	• 30,000/60,000 Liability • Comp / Collision
Speeding 16-20	Safeco	$82	Ethan, 35 Zip: 22801	Hyundai Sonata SE	• 30,000/60,000 Liability • Comp / Collision
Speeding 21+	Mercury	$186	Mae, 35 Zip: 22801	Hyundai Sonata SE	• 30,000/60,000 Liability • Comp / Collision

Last Updated Apr 24, 2024

Cheapest car insurance in Harrisonburg after DUI

Virginia considers all intoxicated violations to be DWIs—and the state has

strict laws

with serious penalties. Any DUI conviction in Harrisonburg will cause your insurance rates to skyrocket, and some companies might refuse to cover you.

Finding insurance in Harrisonburg after a DUI can be complicated, but Jerry has helped tons of drivers.

Progressive

Sadie (30 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Harrisonburg, VA
(Zip Code: 22801)

Suzuki SX4

$73

per month

Allstate

Hester (30 years old)

Coverage

State Minimum

Harrisonburg, VA
(Zip Code: 22807)

Subaru Ascent

$59

per month

Cheapest car insurance in Harrisonburg after an at-fault accident

The truth is that causing an accident is a clear sign to insurance providers that you’re a risky driver. But it’s also true that you can still shop around to find a good rate—and Jerry can help.

Here are some sample insurance rates for Harrisonburg drivers who have at-fault accidents on record.

Accident type	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
At Fault With No Injury	Progressive	$222	Genevieve, 37 Zip: 22802	Toyota Scion XB	• 30,000/60,000 Liability • Comp / Collision
Not At Fault	Travelers	$97	Brian, 26 Zip: 22802	Volkswagen Jetta S	• 100,000/300,000 Liability • Comp / Collision
At Fault With No Injury	Safeco	$75	Annie, 29 Zip: 22801	Toyota C-HR XLE	• 50,000/100,000 Liability • Comp / Collision

Last Updated Apr 22, 2024

Cheapest car insurance in Harrisonburg after other driving violations

Breaking even one of the traffic laws in Harrisonburg could have a negative impact on your rates. Yes, even following too closely behind another vehicle could go on your record.

Check out this list of common traffic violations in Harrisonburg, and see how they affect car insurance rates.

Violation	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Defective Equipment	Progressive	$189	Polly, 25 Zip: 22801	Toyota Camry L	• 50,000/100,000 Liability • Comp / Collision
Careless Driving	AAA	$160	Annie, 24 Zip: 22802	Subaru Forester Sport	• 30,000/60,000 Liability • Comp / Collision
Improper Passing	Gainsco	$87	Lloyd, 35 Zip: 22801	Jeep Wrangler / TJ Sahara	• 30,000/60,000 Liability

Last Updated Apr 24, 2024

Cheap car insurance quotes in Harrisonburg by age

Very old and very young drivers face higher than average rates in Harrisonburg. Older drivers face more risks in an accident, and younger drivers have less experience behind the wheel. If you’re younger than 25 or older than 75, expect to pay more for coverage in Harrisonburg.

Cheapest car insurance in Harrisonburg for young drivers

More specifically,

teen drivers

under the age of 19 or with a

provisional license

will pay the absolute highest rates for coverage. This is one reason why we recommend full coverage for any young driver, especially if they’re driving a newer vehicle.

Here are some real-life examples of young drivers in Harrisonburg who got insurance through Jerry.

Progressive

Alejandro (23 years old)

Coverage

30,000 per person

60,000 per accident bodily injury

Comp / Collision

Harrisonburg, VA
(Zip Code: 22801)

Jeep Renegade Latitude

$143

per month

AAA

Herman (24 years old)

Coverage

30,000 per person

60,000 per accident bodily injury

Comp / Collision

Harrisonburg, VA
(Zip Code: 22802)

Subaru Forester Sport

$160

per month

National General

Kyle (21 years old)

Coverage

30,000 per person

60,000 per accident bodily injury

Harrisonburg, VA
(Zip Code: 22801)

Honda Accord LX

$133

per month

Assurance America

Fanny (24 years old)

Coverage

30,000 per person

60,000 per accident bodily injury

Harrisonburg, VA
(Zip Code: 22802)

Honda Civic LX

$174

per month

Electric

Frederick (23 years old)

Coverage

30,000 per person

60,000 per accident bodily injury

Harrisonburg, VA
(Zip Code: 22801)

Honda Civic LX

$87

per month

Cheapest car insurance in Harrisonburg for senior drivers

Golden years come with

golden price tags

, unfortunately. Senior drivers are more vulnerable to serious injury in a car accident, which is why car insurance companies charge them more for coverage.

Safeco

Jesus (71 years old)

Coverage

30,000 per person

60,000 per accident bodily injury

Comp / Collision

Harrisonburg, VA
(Zip Code: 22802)

Ford Fusion S

$69

per month

Cheap car insurance quotes in Harrisonburg based on insurance history

If you don’t maintain car insurance coverage consistently, the companies will see a

lapse in coverage

on your record. That’s a big red flag, and gaps in coverage usually trigger an increase in your premium.

Jerry customers benefit from regular reminders to avoid lapses in coverage. We also help people with lapses find coverage again, like the Harrisonburg drivers below.

Progressive

Chris (38 years old)

Currently Insured

Coverage

30,000 per person

60,000 per accident bodily injury

Harrisonburg, VA
(Zip Code: 22801)

Chevrolet Malibu LS

$62

per month

AAA

Myrtie (37 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Harrisonburg, VA
(Zip Code: 22801)

Infiniti M37 X

$169

per month

Allstate

Elsie (37 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Harrisonburg, VA
(Zip Code: 22801)

Infiniti M37 X

$108

per month

Travelers

Peter (26 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Harrisonburg, VA
(Zip Code: 22802)

Volkswagen Jetta S

$97

per month

Gainsco

Bertha (35 years old)

Currently Insured

Coverage

30,000 per person

60,000 per accident bodily injury

Harrisonburg, VA
(Zip Code: 22801)

Jeep Wrangler / TJ Sahara

$87

per month

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Travelers is so quick to send help! And I got a discount for renewing!

Kenya

Always help me out with budget prices

Daniel

For my first time getting my own policy and looking for insurance. This was easy, straight forward, and cheaper. I love it.

Briana

By far the cheapest and best insurance, yet fits right into my budget!

Bethane

Cheap car insurance quotes in Harrisonburg for drivers with poor credit

While credit has nothing to do with your driving habits, data shows that people with poor credit tend to file more insurance claims. So if

your credit score

is under 600, you can expect to be charged a higher rate for coverage in Harrisonburg.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Clearcover	$77	Vernon, 27 Zip: 22802	Toyota Corolla L	• 30,000/60,000 Liability • Comp / Collision
660 - 750	Progressive	$143	Sean, 23 Zip: 22801	Jeep Renegade Latitude	• 30,000/60,000 Liability • Comp / Collision
660 - 750	Safeco	$82	Willie, 35 Zip: 22801	Hyundai Sonata SE	• 30,000/60,000 Liability • Comp / Collision
550 - 659	AAA	$169	Ann, 37 Zip: 22801	Infiniti M37 X	• 100,000/300,000 Liability • Comp / Collision
< 550	Progressive	$62	Lily, 38 Zip: 22801	Chevrolet Malibu LS	• 30,000/60,000 Liability

Last Updated Apr 22, 2024

Cheap car insurance quotes in Harrisonburg for popular cars

The car you drive has a big influence on how much you pay for coverage in Harrisonburg. A souped up Range Rover should cost more to insure than a practical

Camry

, right?

Here are some of the most popular cars in Harrisonburg:

MORE:

How to get car insurance before buying a car

Popular car	Insurance company	Premium (monthly)	Customer	Insurance coverage
Toyota RAV4	Progressive	$81	Phoebe, 32 Zip: 22802	• 30,000/60,000 Liability • Comp / Collision
Honda Civic LX	Mercury	$60	Nannie, 23 Zip: 22801	• State Minimum Liability
Honda Accord LX	Gainsco	$131	Hulda, 21 Zip: 22801	• 30,000/60,000 Liability

Last Updated Apr 24, 2024

Cheapest car insurance in Harrisonburg for new vs. old car

Newer cars cost more to insure, in general. If you drive a car older than 10 years old, you can save a ton of money on insurance in Harrisonburg. But if you’re determined to drive a brand new car, expect top-notch premiums.

Our data revealed that the average insurance cost for a car older than 10 years is $150 per month. The average cost for insuring a car less than four years old goes up to $150 per month.

Progressive

Julia (38 years old)

2008 Chevrolet Malibu LS

Coverage

30,000 per person

60,000 per accident bodily injury

Harrisonburg, VA
(Zip Code: 22801)

$62

per month

AAA

Sean (28 years old)

2017 Nissan Altima 2.5

Coverage

30,000 per person

60,000 per accident bodily injury

Comp / Collision

Harrisonburg, VA
(Zip Code: 22802)

$181

per month

Nationwide

Bernice (43 years old)

2016 Audi A6 Premium Plus

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Harrisonburg, VA
(Zip Code: 22802)

$91

per month

Safeco

Jesus (71 years old)

2019 Ford Fusion S

Coverage

30,000 per person

60,000 per accident bodily injury

Comp / Collision

Harrisonburg, VA
(Zip Code: 22802)

$69

per month

Electric

Derek (37 years old)

2016 Hyundai Tucson Limited

Coverage

30,000 per person

60,000 per accident bodily injury

Comp / Collision

Harrisonburg, VA
(Zip Code: 22802)

$107

per month

Kemper

Dennis (37 years old)

2011 Chevrolet Impala LT

Coverage

State Minimum

Harrisonburg, VA
(Zip Code: 22801)

$91

per month

How to lower car insurance costs in Harrisonburg

1. Shop around and compare quotes

Every insurance company operates by a unique set of rules to determine your premium, and these rules are in a constant state of flux. Seasoned experts recommend comparing quotes from a minimum of three companies to find the lowest rate. They also say you should

shop around every six months

Jerry is an insurance comparison app that makes the mind-numbing shopping process a breeze. In 45 seconds, Jerry taps into a vast pool of over 55 top-tier insurance providers.

Compare car insurance quotes now

2. Hunt for car insurance discounts

Every insurance company offers

a set of discounts

, but the exact discount offered varies by company. Some common discounts include:

Good driver discounts. Drive safely, avoid at-fault accidents, and don’t get any points on your license. If you do this, you could unlock a

safe driver discount

Telematics discounts. Telematics programs track your driving habits and reward good behavior. You can usually get a discount just for signing up!

Good student discounts. Full-time high school and college students can usually qualify for a discount by earning at least a B average.

Bundling discounts.

Bundle your home and auto insurance

(or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

MORE:

How to choose a car insurance deductible

Why is car insurance in Harrisonburg so expensive?

Virginia car insurance is pretty affordable, compared to the national rate. However, premiums could be on the rise due to these factors:

Cost of car parts

Traffic accident rates

Rising medical costs

Natural disasters

Learn more:

11 Ways to lower car insurance

FAQ

How much is car insurance in Harrisonburg?

People living in Harrisonburg pay on average $51 per month – or $612 per year – on state-minimum liability coverage. Full coverage in Harrisonburg costs on average $116 per month or $1,392 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Harrisonburg?

Based on thousands of Harrisonburg drivers Jerry has worked with, car insurance in Harrisonburg costs an average of $51 per month for state-minimum coverage and $116 per month for full coverage.

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Harrisonburg?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Nationwide, State Auto, and The General receive good ratings from Harrisonburg drivers, based on the largest car insurance survey in the nation conducted by Jerry.

Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.

What is the minimum car insurance in Harrisonburg, Virginia?

The state-minimum car insurance in Harrisonburg, Virginia is as follows:

$30,000 bodily injury liability per person

$60,000 bodily injury liability per accident

$20,000 property damage liability per accident

These coverages are commonly referred to as 30/60/20 coverage.

Virginia drivers must carry the same amount of uninsured motorist coverage at 30/60/20.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

Sarah Gray

Licensed Insurance Agent — Expert Insurance Writer and Editor

Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.

Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.

Amy Bobinger

Licensed Insurance Agent — Expert Insurance Editor

Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.

Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.