Cheapest Auto Insurance in Harrisonburg, Virginia (2025)

Harrisonburg drivers pay a monthly average of $155 for full-coverage insurance — less than the Virginia state average of $180 per month for full coverage and the national monthly full-coverage average of $184.

Harrisonburg is located in the Shenandoah Valley, an urban area with a small-town feel. The surrounding mountains encourage many outdoor activities, and you can walk to many destinations. The city’s smaller population of just over 51,000 means less congested highways, which could contribute to its lower car insurance rates.

Here’s what you should know about comparing quotes and finding affordable coverage in the Friendly City.

3 of the cheapest car insurance companies in Harrisonburg

The best insurance company will vary depending on your driving history, vehicle, and financial situation. Most insurance companies use similar criteria to determine car insurance rates, but each values this information differently.

If you’re in the market for auto insurance, the best thing you can do is get quotes from at least three different insurers. Here are a few of the best insurance companies for different types of drivers. The rates shown in the table below are for the state of Virginia.

Best insurer for good drivers: Progressive

Best insurer for teen drivers: State Farm

Best insurer for savings: GEICO

How to get the cheapest car insurance in Harrisonburg

Multiple individual rating factors affect the cost of auto insurance, including your driving record, average mileage, ZIP code, and age.1 Here are some tips for saving money on car insurance in Harrisonburg:

• Choose a safer vehicle. Let your insurance company know if your car has an anti-theft device, automatic seat belts, or airbags. Many insurers will give you a discount for driving a safer vehicle.

• Take advantage of low-mileage discounts. If you drive fewer than 7,500 miles per year, you may be eligible for a low-mileage discount.2 Harrisonburg is a very walkable city, so you could save money by walking to work versus driving.

• Complete a defensive driving course. Your driving history has a significant influence on your premiums, and a speeding ticket or at-fault accident will cause your rates to go up. Your insurer may offer you a discount for completing a defensive driving course.

• Maintain good grades. Teen drivers pay more for auto insurance due to their lack of experience. But maintaining a B average or better could qualify teens for a good student discount.

• Bundle your insurance. Insurance companies typically provide a significant discount for purchasing more than one policy with them. So you could save by bundling your auto and homeowners or renters insurance together, for example.

Cheapest liability-only car insurance in Harrisonburg: State Farm

If you cause a car accident, liability insurance will pay for auto repairs and medical costs for the other driver. But you can’t use liability insurance to fix your vehicle or pay for your medical expenses.3

Liability insurance provides the minimum coverage needed to drive in most states. Most people need more coverage than this, but carrying liability-only insurance may make sense if your vehicle is more than 10 years old and has a low market value. The average cost of liability insurance in Harrisonburg is $92 per month.

Here are the cheapest options for purchasing liability-only insurance in Harrisonburg:

Cheapest full-coverage car insurance in Harrisonburg: Auto-Owners

Full-coverage auto insurance offers more robust financial protection than what you’ll get with liability insurance. It includes liability, comprehensive, and collision insurance, so it’ll pay for the repairs for everyone involved in an auto accident. Full-coverage insurance will also protect your vehicle if it’s stolen or damaged by a falling object.

In Harrisonburg, the average cost for full-coverage car insurance is $155 per month. Here are the best options for full coverage for Harrisonburg drivers:

Car insurance requirements in Virginia

In Virginia, drivers must obtain minimum amounts of bodily injury and property damage liability coverage. The specific coverage limits required in the state increased on Jan. 1, 2025. The table below reflects the change in requirements:2

For many drivers, liability insurance won’t provide enough coverage. Here are some additional policies you can consider:

Cheapest car insurance for drivers with an incident

Your driving history is one of the biggest factors influencing your insurance premiums, and the better your record, the less you’ll pay for car insurance. So if you have a history of driving incidents, like speeding tickets, driving under the influence, or at-fault accidents, you can expect to pay more for insurance.

Any premium increases due to an accident or traffic violation can three to five years, depending on the severity of the infraction and your insurer. Here’s what you might pay for liability-only car insurance with a clean record versus different types of moving violations in Harrisonburg.

Average cost of car insurance by age

Age is another factor that plays a significant role in determining your car insurance premiums. Drivers younger than 25 pay the highest rates for auto insurance. Your insurance rates start to go down around age 25 but begin to increase again at age 70.

If you fall into an age bracket with higher insurance premiums, you still have ways to save. Teen drivers and college students can save money by taking a driver’s education course or maintaining good grades, for example.

Virginia law also requires auto insurance companies to offer discounts to drivers older than 55 for completing a motor vehicle accident prevention course approved by the Department of Motor Vehicles.2

Below, you can find the cheapest liability-only quotes offered for Harrisonburg teen and senior drivers:

Harrisonburg car insurance quotes by credit tier

Insurance companies use many factors to determine how likely you are to file a claim. Research has shown that consumers with bad credit file more claims than consumers with good credit. So if you have excellent or good credit, your premiums will be lower than drivers with poor credit.

Virginia allows insurers to consider credit history when evaluating consumers for car insurance. So you can expect to pay less if you have a better credit history.4

Here’s what Harrisonburg pay, on average, in each of the following credit tiers: