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Cheapest car insurance in Harrisonburg, Virginia (Jul 2024)

Rates for liability-only car insurance in Harrisonburg, VA start at about $51 per month, and full coverage policies start at $116.
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Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor

Cheapest car insurance quotes in Harrisonburg

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 companyPremium (monthly)CustomerCarInsurance 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
coverageLast Updated Jul 13, 2024

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 companyOverall ratingPriceClaims experienceCustomer 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
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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:
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. 
card cover
Clifford (52 years old)
coverageCoverage
State Minimum
locationHarrisonburg, VA
(Zip Code: 22802)
carVolkswagen NEW Beetle Convertible Option Package 1
$135
per month
card cover
Logan (32 years old)
coverageCoverage
State Minimum
locationHarrisonburg, VA
(Zip Code: 22801)
$74
per month
card cover
Harold (35 years old)
coverageCoverage
State Minimum
locationHarrisonburg, VA
(Zip Code: 22801)
$106
per month
card cover
Clearcover
Alex (42 years old)
coverageCoverage
State Minimum
locationHarrisonburg, VA
(Zip Code: 22802)
$114
per month
card cover
Electric
Eleanor (41 years old)
coverageCoverage
State Minimum
locationHarrisonburg, VA
(Zip Code: 22802)
$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 coverageInsurance companyPremium (monthly)CustomerCar
• 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
coverageLast Updated Jul 13, 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.
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 CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
22801
$99
$165
22802
$52
$157

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?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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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.
To
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 TypeInsurance CompanyPremium (monthly)CustomerCarInsurance 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
coverageLast Updated Jul 13, 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. 
card cover
Daniel (32 years old)
coverageCoverage
State Minimum
locationHarrisonburg, VA
(Zip Code: 22807)
$61
per month
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Lenora (36 years old)
coverageCoverage
State Minimum
locationHarrisonburg, VA
(Zip Code: 22801)
$85
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 typeInsurance companyPremium (monthly)CustomerCarInsurance 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
coverageLast Updated Jul 11, 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.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance 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
coverageLast Updated Jul 13, 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.
card cover
Alejandro (23 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
locationHarrisonburg, VA
(Zip Code: 22801)
$143
per month
card cover
Herman (24 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
locationHarrisonburg, VA
(Zip Code: 22802)
$160
per month
card cover
Kyle (21 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
locationHarrisonburg, VA
(Zip Code: 22801)
$133
per month
card cover
Fanny (24 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
locationHarrisonburg, VA
(Zip Code: 22802)
$174
per month
card cover
Electric
Frederick (23 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
locationHarrisonburg, VA
(Zip Code: 22801)
$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.
card cover
Jesus (71 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
locationHarrisonburg, VA
(Zip Code: 22802)
carFord 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.
card cover
Chris (38 years old)
Currently Insured
coverageCoverage
30,000 per person
60,000 per accident bodily injury
locationHarrisonburg, VA
(Zip Code: 22801)
$62
per month
card cover
Myrtie (37 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationHarrisonburg, VA
(Zip Code: 22801)
$169
per month
card cover
Elsie (37 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationHarrisonburg, VA
(Zip Code: 22801)
$108
per month
card cover
Peter (26 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationHarrisonburg, VA
(Zip Code: 22802)
carVolkswagen Jetta S
$97
per month
card cover
Gainsco
Bertha (35 years old)
Currently Insured
coverageCoverage
30,000 per person
60,000 per accident bodily injury
locationHarrisonburg, VA
(Zip Code: 22801)
$87
per month

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 RangeInsurance CompanyPremium (monthly)CustomerCarInsurance 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
coverageLast Updated Jul 11, 2024

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. 

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.

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.

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

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

avatar
Sarah Gray
badge icon
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.
avatar
Amy Bobinger
badge icon
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.
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Josh Damico
badge icon
Head Of Insurance Operations
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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.