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Harrisonburg Car Insurance

How much does car insurance cost in Harrisonburg, VA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Harrisonburg?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Virginia has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Harrisonburg typically pay around $79.53 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Virginia $89.84
Harrisonburg, Virginia $79.53

Harrisonburg, VA Best Car Insurance Companies

car insurance in Harrisonburg

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, National General RAD generally has the most affordable car insurance in Harrisonburg coming in around $55.28 per month. Other companies to consider if you live in Harrisonburg is Clearcover with an average cost of $55.53 per month and Utica National Ins Group which typically runs around $60.59 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Harrisonburg.

RankCompanyAverage Monthly RateComparison State Average
1 National General RAD $55.28-38.47%
2 Clearcover $55.53-38.19%
3 Utica National Ins Group $60.59-32.56%
4 Mercury Insurance $67.33-25.05%
5 State Farm $69.78-22.33%
6 USAA $71.34-20.59%
7 Erie $77.45-13.80%
8 Virginia Farm Bureau $79.22-11.83%
9 Penn National $80.97-9.87%
10 Safeco $81.70-9.06%

How Much is Car Insurance in Harrisonburg, VA?

how much is auto insurance in Harrisonburg

Rates can vary from city to city. The residents of Alexandria typically pay $104.24 per month while people who live in Arlington will pay $93.99 per month on average. See what people pay for car insurance in other cities in Virginia.

Virginia CitiesMonthly Average Rate
Alexandria $104.24
Arlington $93.99
Harrisonburg $77.91
Norfolk $104.84
Richmond $100.14
Roanoke $74.57

Cheap Car Insurance in Harrisonburg by Zip Codes

find cheap auto insurance in Harrisonburg

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Virginia. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Harrisonburg, VA ZIP CodeAverage Monthly Rate
22801$77.48
22802$77.27
22803$23.71
22807$125.40

Car Insurance Rates by Driver's Age Group in Harrisonburg

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $210.62 per month in Harrisonburg. Compare that to drivers in their 30’s who typically pay around $59.85 per month drivers in their 40s at $56.61 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$210.62
20s$84.96
30s$59.85
40s$56.61
50s$48.26
60s$46.35
70+$56.76

Cheapest Insurance for Teenage Drivers in Harrisonburg

If you are teen in Harrisonburg you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Utica National Ins Group typically charges around $50.17 per month. This is likely the most affordable option in Harrisonburg. You might also want to consider State Farm and Auto-Owners Insurance Co who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Utica National Ins Group$50.17
State Farm$114.25
Auto-Owners Insurance Co$116.63
Virginia Farm Bureau$120.67
ALFA$124.88

Cheapest Insurance for 20 Year-olds in Harrisonburg

20 year-olds in Harrisonburg might want to consider Clearcover who, on average, offers car insurance rates around $70.66 per month. Utica National Ins Group , State Farm , USAA and Virginia Farm Bureau are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Clearcover$70.66
Utica National Ins Group$73.10
State Farm$75.92
USAA$80.54
Virginia Farm Bureau$83.57

Cheapest Insurance for 30 Year-olds in Harrisonburg

CompanyAverage Monthly Rate

Cheapest Insurance for 40 Year-olds in Harrisonburg

CompanyAverage Monthly Rate

Cheapest Insurance for 50 Year-olds in Harrisonburg

CompanyAverage Monthly Rate

Cheapest Insurance for 60 Year-olds in Harrisonburg

CompanyAverage Monthly Rate

Driver's Coverage Auto Insurance Rates in Harrisonburg, VA

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Harrisonburg, the average monthly rate for a driver who is currently insured is while drivers who are not currently covered will pay around .

CoverageAverage Monthly Rate

Compare Recent Car Insurance Quotes in Harrisonburg

auto insurance quotes in Harrisonburg city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Harrisonburg a driver of a can expect to pay around per month while someone that owns a may pay around per month. Check out the list of recent quotes in Harrisonburg below.

VehicleAverage Monthly Rate

FAQ's for Drivers in Harrisonburg, VA

driver’s frequently asked question in Harrisonburg

What Is the Minimum Liability Coverage Requirement in Harrisonburg, VA?

Every state requires drivers to have a minimum amount of liability coverage. Virginia drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Maximum payment for serious injury or death to more than one person
  • $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Virginia drivers are not required to carry automobile insurance. Vehicle owners can instead opt to pay $500 to the Department of Motor Vehicles. Failure to insure your vehicle or pay this uninsured motor vehicle (UMV) fee is a Class 3 misdemeanor and is punishable by fines up to $500.

If you choose to insure your vehicle, Virginia requires at least $25,000 of bodily injury liability coverage per person and $50,000 of bodily injury coverage per accident. Additionally, you have to take out a minimum of $20,000 in property damage liability and carry uninsured motorist insurance in the same amounts as above.

What Is the Blood Alcohol Concentration (BAC) limit in Harrisonburg, VA?

It’s against the law to drive in Virginia at the following BAC percentages:

.08%+ at 21 years old or older

.04%+ for commercial vehicle drivers

.02%+ at under 21 years old

You can be convicted of driving under the influence in Virginia even if the amount of alcohol in your blood has not caused obvious impairment. Moreover, you can be convicted if your BAC is at or above 0.08% or you’re impaired and just sitting in your vehicle with the key in the ignition. Your vehicle does not need to be moving and your ignition can be in the “off” position and you can still be found guilty.

What are the consequences of being convicted of a DUI?

Driving while under the influence of alcohol or drugs in Virginia is a big mistake. Potential penalties for a first offense DUI in Virginia include fines, jail time, court costs, driver’s license revocation, ignition interlock installation for restricted licenses, enrollment in the Virginia Alcohol Safety Action Program (ASAP), and DMV demerit points. High BACs or conviction of a DUI while transporting a minor result in mandatory jail time.

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Commute Time in Harrisonburg, VA

15.7 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Harrisonburg, VA

198

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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