Compare Harrisonburg, VA Car Insurance Rates (2021)

Car insurance in Harrisonburg, VA averages $171 a month. Harrisonburg, Virginia car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Harrisonburg car insurance rates, compare quotes from the top car insurance companies in Harrisonburg, VA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Harrisonburg is 22802
  • The cheapest car insurance company in Harrisonburg for teen drivers is USAA
  • The cheapest car insurance company in Harrisonburg is USAA

If you need to buy Harrisonburg, Virginia car insurance, the options can be confusing. Everything you need to know about car insurance in Harrisonburg, VA is right here.

You’ll find Harrisonburg car insurance rates, the cheapest Harrisonburg, VA car insurance companies, and information on Virginia car insurance laws. You can also compare Harrisonburg, Virginia car insurance rates to Alexandria car insurance rates, Hampton car insurance rates, and Suffolk car insurance rates.

Ready to find affordable Harrisonburg, VA car insurance today? Enter your ZIP code for fast, free Harrisonburg car insurance quotes.

Cheapest Harrisonburg, VA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Harrisonburg, VA car insurance rates? Every Harrisonburg, Virginia car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Harrisonburg, Virginia

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,851 $1,748 $1,841 $1,841 $5,812 $6,704 $2,411 $2,419
GEICO $1,375 $1,373 $1,304 $1,304 $2,916 $3,915 $1,600 $1,584
Nationwide $1,311 $1,317 $1,167 $1,196 $3,107 $3,991 $1,444 $1,567
Progressive $999 $948 $910 $911 $4,583 $5,138 $1,203 $1,227
State Farm $1,102 $1,102 $998 $998 $3,381 $4,232 $1,246 $1,440
USAA $980 $964 $919 $923 $3,029 $3,602 $1,258 $1,380

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Minimum Car Insurance in Harrisonburg, VA

Every driver must carry the minimum car insurance in Harrisonburg, VA. Take a look at the Virginia car insurance requirements.

Minimum Required Car Insurance Coverage in Harrisonburg, Virginia

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Harrisonburg, VA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Harrisonburg, VA. Compare credit history car insurance rates in Harrisonburg from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Harrisonburg, Virginia

Insurance Company Poor Fair Good
Allstate $3,750 $3,009 $2,476
GEICO $2,135 $1,815 $1,815
Nationwide $2,236 $1,795 $1,631
Progressive $2,211 $1,941 $1,817
State Farm $2,574 $1,599 $1,264
USAA $2,179 $1,487 $1,229

Cheapest Harrisonburg, VA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Harrisonburg, VA to rates for a clean record with top companies.

Annual Harrisonburg, Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,309 $3,660 $3,374 $2,970
GEICO $1,458 $1,894 $2,874 $1,458
Nationwide $1,646 $1,646 $2,396 $1,863
Progressive $1,701 $2,254 $2,029 $1,975
State Farm $1,651 $1,974 $1,812 $1,812
USAA $1,266 $1,641 $2,165 $1,456

Cheapest Harrisonburg, VA Car Insurance for Teen Drivers

Teen car insurance in Harrisonburg, VA can be expensive. Take a look at rates from the top car insurance companies in Harrisonburg for teenagers.

Annual Car Insurance Rates for Teen Drivers in Harrisonburg, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,812 $6,704
GEICO $2,916 $3,915
Nationwide $3,107 $3,991
Progressive $4,583 $5,138
State Farm $3,381 $4,232
USAA $3,029 $3,602

Cheapest Harrisonburg, VA Car Insurance for Seniors

Take a look at Harrisonburg, VA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Harrisonburg, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,841 $1,841
GEICO $1,304 $1,304
Nationwide $1,167 $1,196
Progressive $910 $911
State Farm $998 $998
USAA $919 $923

Cheapest Harrisonburg, VA Car Insurance Rates After a DUI

A DUI in Harrisonburg, VA increases car insurance rates. Compare Harrisonburg, Virginia DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Harrisonburg, Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,374
GEICO $2,874
Nationwide $2,396
Progressive $2,029
State Farm $1,812
USAA $2,165

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Cheapest Harrisonburg, VA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Harrisonburg, VA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Harrisonburg, Virginia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,987 $3,170
GEICO $1,885 $1,957
Nationwide $1,887 $1,887
Progressive $1,990 $1,990
State Farm $1,768 $1,856
USAA $1,572 $1,692

Cheapest Harrisonburg, VA Car Insurance Rates by ZIP Code

Harrisonburg car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Harrisonburg, VA.

Annual Car Insurance Rates by ZIP Code in Harrisonburg, Virginia

ZIP Code Average Annual Rates
22801 $1,772
22802 $1,761
22803 $1,779
22807 $1,811

The Best Cheap Car Insurance Companies in Harrisonburg, VA

Take a look at a side-by-side comparison of the top car insurance companies in Harrisonburg, VA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Harrisonburg, Virginia

Insurance Company Average Annual Rates
Allstate $3,078
GEICO $1,921
Nationwide $1,887
Progressive $1,990
State Farm $1,812
USAA $1,632

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Category Winners: Cheapest Car Insurance in Harrisonburg, Virginia

Find the cheapest car insurance companies in Harrisonburg, VA for each category right here.

Best Annual Car Insurance Rates by Company in Harrisonburg, Virginia

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Harrisonburg, VA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Harrisonburg car insurance rates. Find the cheapest Harrisonburg, VA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Harrisonburg, Virginia

Insurance Company Low Medium High
Allstate $3,002 $3,080 $3,154
GEICO $1,857 $1,920 $1,987
Nationwide $1,986 $1,869 $1,808
Progressive $1,907 $1,969 $2,093
State Farm $1,702 $1,808 $1,926
USAA $1,570 $1,635 $1,691

What affects car insurance rates in Harrisonburg, Virginia?

What factors can have an impact on Harrisonburg, VA car insurance? There are several reasons why Harrisonburg car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Harrisonburg, Virginia.

Commute Time in Harrisonburg

The more time you spend in your car the higher the risk of an accident. The average commute length in Harrisonburg, VA is 16.6 minutes according to City-Data.

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Compare Car Insurance Quotes in Harrisonburg, VA

Ready to find affordable Harrisonburg, Virginia car insurance today? Enter your ZIP code for fast, free Harrisonburg, VA car insurance quotes.

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