Cheapest Car Insurance Quotes in Harrisonburg

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Harrisonburg Car Insurance

^$ 22

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Harrisonburg

The car insurance rate in Harrisonburg is $601 for a six-month policy, which is $115 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $309, making it a popular choice for budget-conscious drivers. Rates in Harrisonburg can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Harrisonburg

$601

Avg. Car Insurance in Virginia

$716

National Average

$1278

Cheapest Car Insurance Companies in Harrisonburg

1st place: Virginia Farm Bureau

At $309 for a six month policy, Virginia Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American Family

American Family offers auto insurance rates at $379 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $384 for six months, making it the third cheapest auto insurance company in Harrisonburg.

Harrisonburg Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Harrisonburg, VA is Virginia Farm Bureau, offering policies at just $309 for a six-month term. This is followed by American Family, which has an average six-month premium of $379.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1292 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Harrisonburg drivers find the best deals.

Cheap Car Insurance Companies in Harrisonburg, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$309	$53
American Family	$379	$63
Auto-Owners Insurance Co	$384	$66
Cincinnati	$389	$65
Travelers	$519	$87
Erie	$524	$88
USAA	$564	$95
Farm Bureau	$589	$99
Nationwide	$589	$99
Mercury	$654	$110
State Farm	$708	$119
Progressive	$928	$156
Allstate	$1292	$218

Key Takeaways

Way's key takeaways about car insurance in Harrisonburg

The auto insurance costs in Harrisonburg fall around $309 for six months.
The cheapest auto insurance company in Harrisonburg is Virginia Farm Bureau.
Teen drivers pay the highest rate in Harrisonburg at $740 per month.

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Cheapest Minimum Liability Car Insurance in Harrisonburg

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Harrisonburg are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Harrisonburg. Their Average 6 Month Premium is $129. Nationwide is the most expensive at $579 for the same period.

Cheapest Liability Coverage in Harrisonburg, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$129	$22
American Family	$144	$24
Cincinnati	$175	$29
Auto-Owners Insurance Co	$195	$33
Mercury	$200	$34
Travelers	$205	$34
USAA	$214	$36
Farm Bureau	$219	$37
Erie	$244	$41
State Farm	$309	$52
Progressive	$454	$76
Allstate	$543	$92
Nationwide	$579	$97

Cheapest Full Coverage Car Insurance in Harrisonburg

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Harrisonburg is Virginia Farm Bureau at $53 per month and $309 for six months.

Cheapest Full Coverage Car Insurance Quotes in Harrisonburg, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$309	$53
American Family	$379	$63
Auto-Owners Insurance Co	$384	$66
Cincinnati	$389	$65
Travelers	$519	$87
Erie	$524	$88
USAA	$564	$95
Farm Bureau	$589	$99
Nationwide	$589	$99
Mercury	$654	$110
State Farm	$708	$119
Progressive	$928	$156
Allstate	$1292	$218

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Average Car Insurance in Harrisonburg by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Harrisonburg, VA increasing?

Despite maintaining a clean driving record, your car insurance rates in Harrisonburg, Virginia, may be increasing due to several external factors. Virginia has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Harrisonburg's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Harrisonburg

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$551
30s	Virginia Farm Bureau	$415
40s	USAA	$387
50s	USAA	$364
60s	USAA	$383
70s	USAA	$606

Cheapest Car Insurance Rates for Teen Drivers in Harrisonburg,VA

If you are planning to get a car insurance policy for your teenage dependent, Virginia Farm Bureau provides the cheapest car insurance in the Harrisonburg at $22 per month. At $4396 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$129	$22
Mercury	$175	$29
American Family	$190	$32
Auto-Owners Insurance Co	$224	$38
Travelers	$654	$110
Farm Bureau	$684	$115
Erie	$938	$158
USAA	$1103	$186
State Farm	$2066	$348
Nationwide	$3174	$534
Allstate	$3189	$537
Progressive	$4396	$740

Teen Car Insurance Rates in VA by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Harrisonburg.

As young drivers face the highest rates in Harrisonburg, USAA offers the cheapest auto insurance rates at $551 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Harrisonburg, Mercury is the cheapest car insurance provider. At $185 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Harrisonburg is State Farm, offering rates of around $3438 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$185	$31
Virginia Farm Bureau	$195	$33
Cincinnati	$319	$53
Travelers	$659	$111
Nationwide	$908	$153
USAA	$943	$160
Farm Bureau	$1078	$180
Erie	$1482	$252
Progressive	$1796	$299
Allstate	$1961	$333
State Farm	$3438	$573

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Car Insurance Rates with An Accident in Harrisonburg

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Harrisonburg, VA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Harrisonburg

The cheapest car insurance companies after an at-fault accident in Harrisonburg include AutoOwners Insurance Co and Virginia Farm Bureau, offering $180 and $180, respectively. Encompass is an expensive provider with an average six-month premium of $404.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$180	$30
Virginia Farm Bureau	$180	$30
American Family	$190	$32
Cincinnati	$229	$39
Mercury	$265	$44
Electric	$319	$55
Travelers	$379	$64
Farm Bureau	$469	$79
USAA	$529	$89
Erie	$619	$104
State Farm	$643	$108
Nationwide	$1322	$223
Progressive	$1497	$252
Allstate	$2764	$465
Encompass	$404	$69

Harrisonburg Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Harrisonburg VA. For example, the car insurance in Harrisonburg after a DUI increases to $788 for a six month policy. While the rate increases by $164 for a six-month policy in the case of a speeding ticket.

Harrisonburg auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$789	$131
One Med/PIP claim	$789	$134
Not-at-fault accident	$818	$136
Two Med/PIP claims	$843	$144
One comp claim	$853	$142
Two comp claims	$893	$152
Failure to show documents	$898	$150
Driving without lights	$913	$155
Child safety restraint	$918	$153
Driving with expired registration	$928	$158
Failure to wear a seat belt	$938	$156
Cell phone violation	$948	$161
Driving too slowly	$948	$158
Failure to yield	$948	$161
Speeding in school zone	$948	$158
Texting while driving	$948	$161
Wrong way/wrong lane	$948	$158
Failure to stop at a red light	$953	$162
Following too closely	$953	$159
Illegal turn	$953	$162
Improper passing	$953	$159
Speeding 6 - 10 MPH over limit	$953	$162
Speeding 16 - 20 MPH over limit	$963	$160
Speeding 11 - 15 MPH over limit	$968	$165
Passing school bus	$998	$166
In 65 MPH zone	$1033	$176
Open container	$1047	$175
Speeding 21 - 25 MPH over limit	$1047	$178
At-fault accident - less than $1000	$1078	$180
Operating a vehicle without permission	$1158	$197
At-fault accident - $1000-$2000	$1173	$196
At-fault accident - greater than $2000	$1173	$199
Reckless driving	$1427	$238
Racing	$1532	$260
DUI	$1577	$263
Refusal to submit to a chemical test	$1577	$268
Driving with a suspended license	$1656	$276
Leaving scene of an accident/hit and run	$1656	$281

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Harrisonburg after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Harrisonburg.

The cheapest car insurance premiums in Harrisonburg are offered by Virginia Farm Bureau at $160 for a six-month policy. However, it can be as expensive as $1881 with companies like Allstate.

Harrisonburg car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$160	$27
Mercury	$180	$30
American Family	$285	$47
Auto-Owners Insurance Co	$309	$53
Travelers	$474	$80
Farm Bureau	$489	$82
USAA	$798	$134
State Farm	$1018	$171
Erie	$1198	$202
Progressive	$1283	$216
Nationwide	$1697	$286
Allstate	$1881	$317

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Harrisonburg are offered by Mercury at $185. However, it can be as expensive as $2066 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Harrisonburg after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$185	$31
Virginia Farm Bureau	$190	$32
American Family	$195	$33
Auto-Owners Insurance Co	$200	$34
Cincinnati	$200	$34
Travelers	$394	$66
Erie	$479	$81
State Farm	$599	$101
USAA	$648	$110
Farm Bureau	$699	$117
Nationwide	$1382	$235
Progressive	$1452	$242
Allstate	$2066	$351

Car Insurance Price Trends in Harrisonburg, Virginia

Car insurance rates in Harrisonburg have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Harrisonburg rose by $138 in January compared to $76 of December. In other words, there has been an increase by $62 when you compare January and December.

The average cost of liability insurance in the Harrisonburg rose to $46 in January, compared to $39 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Harrisonburg?

The car insurance in Harrisonburg is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Harrisonburg?

The cheapest car insurance in Harrisonburg is $53 per month for full coverage.

How much is car insurance in Harrisonburg for teenagers?

Car insurance for teenagers costs $129 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Harrisonburg?

The average cost of car insurance is $716 for a six-month policy. It will cost around $101 per month to insure your car in Harrisonburg.

Is car insurance expensive in Harrisonburg?

Car insurance can be expensive in Harrisonburg if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Harrisonburg can be affordable.

Cheapest Car Insurance Quotes in Harrisonburg

Why you can trust Way?

How Much Is Car Insurance in Harrisonburg

Avg. Car Insurance in Harrisonburg

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Harrisonburg

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Harrisonburg Car Insurance Rates by Company

Cheap Car Insurance Companies in Harrisonburg, VA

Way's key takeaways about car insurance in Harrisonburg

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Harrisonburg

Cheapest Liability Coverage in Harrisonburg, VA

Cheapest Full Coverage Car Insurance in Harrisonburg

Cheapest Full Coverage Car Insurance Quotes in Harrisonburg, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Harrisonburg by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Harrisonburg, VA increasing?

Car Insurance Premiums by Age in Harrisonburg

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Harrisonburg,VA

If you are in your twenties USAA is the best choice for car insurance in Harrisonburg.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Harrisonburg

Cheapest Car Insurance Companies after an At-Fault Accident in Harrisonburg

Harrisonburg Car Insurance Rates by Violation

Harrisonburg auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Harrisonburg after a DUI

Harrisonburg car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Harrisonburg after Speeding ticket

Car Insurance Price Trends in Harrisonburg, Virginia

Average Car Insurance Cost in Harrisonburg by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Harrisonburg, VA

Car Insurance Rates by State in the USA (2025 Update)

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