Harrisonburg, VA Car Insurance

On average, Harrisonburg drivers pay a monthly average rate of around $49 for their car insurance. To learn more about car insurance rates in the Harrisonburg area, read our guide below.
Compared to their surrounding area, how do rates in Harrisonburg stack up? What about against the rest of Virginia? What rates can residents of Harrisonburg expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Harrisonburg?

Area Average Monthly Car Insurance Premium
Harrisonburg$49
VA$61
United States$81

Car insurance coverage in Harrisonburg is about $12 cheaper than it is in the rest of Virginia.

Compared to the national average cost of auto insurance coverage, Harrisonburg has lower rates. Car insurance rates for the U.S. as a whole are, on average, $32 more expensive than the rates you'd pay in Harrisonburg.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.

Don't sweat it however, we've broken down average rates for Harrisonburg residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$66
25-34$41
35-44$46
45-54$38
55-64$34
65+$41

It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may begin to go back up in Harrisonburg.

Average Car Insurance Rates by Gender

Gender Average
Male$52
Female$46

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Harrisonburg, male drivers pay about $6 more a month. As you can see in the table above, female drivers in the area typically pay $46 on average, while female drivers typically pay $52 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$62
Multiple Accidents$84
1 Ticket$53
Multiple Tickets$83

Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Harrisonburg, having a single accident on your record will usually get you rates around $62 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $53.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$49
2-3 Years$48
4-5 Years$50
6-7 Years$45
8-10 Years$55
11-14 Years$50
15 Years or Older$46

In terms of affordable coverage, the cheapest vehicles to insure in Harrisonburg are typically SUVs, trucks, and vans, at $47 per month.

Car owners, however, pay about $50 per month for auto insurance coverage.

Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping 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)$50
Married$49
Divorced$39
Widowed$28

Overall, people who are married will pay slightly less to insure their car. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

Although single drivers normally pay more for auto insurance than married couples do, the rates for both groups in Harrisonburg are about the same.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$47
Rent$49
Live with parents$67

Your housing status is another component of how insurance companies calculate your monthly rate. Homeowners in Harrisonburg can expect to pay around $2 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.

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 shopping for coverage.

The rates for car insurance in Harrisonburg dropped from 2017-2019, when they reached a low of $44. This trend leveled out in 2020, when they began to increase, and have continued to do so through the present, where car insurance rates finished at $56 per month.

How does Harrisonburg compare to neighboring areas?

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

Car insurance companies take in many factors when choosing how much individual insurance policies will cost. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Total amount of drivers in the community
  • Regional regulations
  • Road Safety (frequency of car accidents)
  • Local crime rates
  • Off-street parking access

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Harrisonburg?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But wait! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing policies in Harrisonburg.

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Harrisonburg Insurance FAQs

What factors affect car insurance quotes in Harrisonburg?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

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 time, regardless of how long is left on your current policy. So, if you've recently moved to Harrisonburg or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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