Harrisonburg, VA Car Insurance

Drivers in Harrisonburg pay around $48 a month for their car insurance. Learn more in our handy guide below.
How does Harrisonburg compare to the surrounding area and the rest of Virginia? What rates should residents of Harrisonburg expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Harrisonburg?

Area Average Monthly Car Insurance Premium
Harrisonburg$48
VA$59
United States$80

Auto insurance coverage in Harrisonburg is about $11 cheaper than it is in the rest of Virginia.

If you're thinking of moving to Harrisonburg from out of state, you may still be in luck. The average monthly payment in Harrisonburg is about $32 cheaper than the rate for the rest of the U.S.

While these are the average monthly costs for auto insurance coverage in Harrisonburg, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.

We've done the heavy lifting for you and broken down the average rate for Harrisonburg so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$63
25-34$41
35-44$45
45-54$37
55-64$34
65+$40

It makes sense that older drivers would have more experience behind the wheel. It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates creep back up a bit in Harrisonburg.

Average Car Insurance Rates by Gender

Gender Average
Male$51
Female$45

Car insurance rates for men are usually slightly more expensive than they are for women. This rings true in Harrisonburg, where women pay around $6 less per month than men. Based on the chart above, you can see that female drivers pay around $45 on average, while male drivers typically pay $51 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$61
Multiple Accidents$84
1 Ticket$66
Multiple Tickets$92

Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Harrisonburg, a driving record with one accident will usually get you a rate around $61 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $66 on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$44
2-3 Years$43
4-5 Years$48
6-7 Years$44
8-10 Years$56
11-14 Years$50
15 Years or Older$44

If you look at the first table above, you'll see that cars, trucks, and vans are usually the cheapest vehicles to insure in Harrisonburg, with drivers paying around $47 per month for insurance coverage.

SUV owners, however, pay about $50 per month to insure their vehicle.

You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Harrisonburg, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$49
Married$49
Divorced$38
Widowed$28

On average, those who are currently married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups in Harrisonburg are about the same.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$45
Rent$48
Live with parents$68

Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment in Harrisonburg, expect to pay around $3 a month more than if you own your home. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Harrisonburg, VA

Recent trends in car insurance for Harrisonburg drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

The rates for car insurance in Harrisonburg increased from 2016-2017, when they reached a high of $54. This shifted in 2018, when rates began to decrease. They hit a low of $44 in 2019, and finished down in 2021, at $47 a month.

How does Harrisonburg compare to neighboring areas?

Why are car insurance rates in Harrisonburg different from other areas?

There are several factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:

  • Number of drivers in the region
  • Local laws
  • Amount of off-street parking
  • Crime levels
  • Road Safety (frequency of car accidents)

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Harrisonburg?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Good news! Compare.com can handle all of this for you. Just enter your ZIP Code below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Harrisonburg.

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Harrisonburg Insurance FAQs

What factors affect car insurance quotes in Harrisonburg?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in Harrisonburg different from other neighboring cities?

Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Harrisonburg?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Harrisonburg?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Harrisonburg or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes