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Get Cheap Car Insurance in Harrisonburg, VA
We monitor insurance prices, helping the average driver in Harrisonburg save up to 38.8% on car insurance.
The Cheapest Minimum Coverage in Harrisonburg
The chart below shows the cheapest car insurance company in Harrisonburg for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Farm Bureau, and Safeco Insurance.
| Harrisonburg Insurer | Monthly Cost |
|---|---|
| Metromile | $42 |
| Geico | $48 |
| Farm Bureau | $50 |
| Safeco Insurance | $53 |
Savings for Every Kind of Harrisonburg Driver
Based on our extensive insurance data, we know the average Harrisonburg driver will save about 38% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $440 per year by choosing the right vehicle insurance company. Some Harrisonburg residents are paying out over $1,167 extra every year for auto insurance in Harrisonburg. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Harrisonburg, VA Savings / Yr. |
|---|---|
$440 |
|
$751 |
|
$642 |
|
$628 |
|
$1,028 |
|
$235 |
|
$423 |
Harrisonburg Car Insurance vs. Virginia
People living in Harrisonburg pay an average of 3.97% less than the typical driver in the state. The average driver in Harrisonburg can expect to pay about $808 per year, or $1,167 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Harrisonburg for most people.
Car Insurance Prices by Harrisonburg Neighborhood
Insurance Prices
Where is insurance cheapest within Harrisonburg?
The map shows insurance prices in and around Harrisonburg, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $203 per year within the city boundaries, with insurance premiums ranging from a high of $1,302 to a low of $1,099. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southeast parts of Harrisonburg.Pick the Best Car Insurance Company for You in Harrisonburg
The best car insurance provider for most drivers in Harrisonburg
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $440 over the average Harrisonburg car insurance company.
The best car insurance provider for Harrisonburg drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $751 over the competition.
The best car insurance company for Harrisonburg drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $642 better than other car insurance companies.
The best auto insurance for Harrisonburg drivers with a DUI conviction
Getting a quote from Farm Bureau may cost the average person with a DUI about $628 less each year.
The least expensive car insurance company for new and young drivers in Harrisonburg
In Harrisonburg, Erie Insurance costs young drivers $1,028 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Harrisonburg
Farm Bureau gave the largest car insurance discounts to married couples, averaging $235 saved each year compared to an average Harrisonburg couple's premiums.
The cheapest car insurance in Harrisonburg for drivers with bad credit
The best Harrisonburg car insurance company for customer service
Nationwide was the best company for customer service in Harrisonburg according to the NAIC.
Recent price drops
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The cheapest large national provider in Harrisonburg
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Harrisonburg driver can expect to pay about $89 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Harrisonburg, USAA has the best prices for young drivers, drivers with accidents, drivers with bad credit, married couples, drivers with speeding tickets, drivers with a DUI conviction, and good drivers.Auto Insurance Prices in and Around Harrisonburg
What Influences the Cost of Car Insurance in Harrisonburg?
On average, car insurance in Harrisonburg is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Harrisonburg is 21 minutes, which is far less than average for a driver in the state.
- Virginia state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Harrisonburg are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Harrisonburg is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Harrisonburg is $67 per month for minimum coverage and $97 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Massanetta Springs: Insurance costs 4.54% less
- Keezletown: Insurance costs 1.89% less
- Penn Laird: Insurance costs 3.68% less
- Dayton: Insurance costs 3.08% less
- Mount Crawford: Insurance costs 2.57% less
- Linville: Insurance costs 2.83% less
- Hinton: Insurance costs 2.14% less
- Bridgewater: Insurance costs 3.17% less
- Singers Glen: Insurance costs 3.08% less
- Massanutten: Insurance costs 0.26% more
Cities with Similar Populations
- Florence: Insurance costs 46.02% more
- Clarksville: Insurance costs 21.42% more
- Cincinnati: Insurance costs 1.37% less
- Concord: Insurance costs 80.81% more
- Coral Springs: Insurance costs 167.78% more
- Clifton: Insurance costs 86.38% more
- Covington: Insurance costs 68.72% more
- Corpus Christi: Insurance costs 53.98% more
- Chino Hills: Insurance costs 88.52% more
- Chino: Insurance costs 88.60% more