Lowest Premium
$310 / YEAR
Average Premium
$383 / YEAR
Highest Premium
$541 / YEAR
The average annual premium in Harrisonburg is around $383 and can go upto $541. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.
Minimum coverage requirement in Virginia - By law, the state requires a minimum of 25/50/20 for auto insurance as explained below:
- $25,000 coverage for all types of bodily injury suffered by one individual in one accident
- Bodily injury suffered by two or more people is $50,000. The amount is the same for deaths of two or more people caused by one accident
- $20,000 for damage to the property of other people.
- $25,000/$50,000 for Uninsured/underinsured motorist bodily injury
- $20,000 for Uninsured/underinsured motorist property damage
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Car Insurance Companies in Virginia and Rates Offered
The cheapest car insurance rates in the state are provided by Geico Insurance followed by Allstate Insurance. But the major players are State Farm, Allstate, and Nationwide insurance in order.
| Company | Annual premium (50/100/50) | Market share | Ranking |
|---|---|---|---|
| Geico | $368 | 1.5% ($189,664,981) | 88 |
| Allstate | $371 | 2.58% ($326,945,631) | 87 |
| State Farm | $380 | 6.26% ($793,791,726) | 90 |
| Nationwide | $407 | 2.17% ($275,171,658) | 89 |
| Progressive | $533 | 1.58% ($200,167,406) | 89 |
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Car Insurance Rates in Harrisonburg by ZIP codes
The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Harrisonburg. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.
| Zip | Avg. Premium |
|---|---|
| 22801 | $379 |
| 22802 | $383 |
| 22803 | $380 |
| 22807 | $388 |
| 22848 | $ |
Insurance Agents in Harrisonburg, VA and Near by
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0 miHammond Insurance Services3230 Peoples Dr Ste 110, Harrisonburg, VA 22801(540) 442-8486View |
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0 miBobby Dudley2760 S Main St, Harrisonburg, VA 22801(540) 433-2448View |
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0 miJohnson's Insurance Agency4061 Quarles Ct, Harrisonburg, VA 22801(540) 434-2888View |
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0 miJenkins Insurance & Financial Services1920 S Main St, Harrisonburg, VA 22801(540) 434-8388View |
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0 miDelltax & Auto Insurance1600 S Main St, Harrisonburg, VA 22801(434) 244-3355View |
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0 miHH & B Insurance - TLC Insurance2515 E Market St Ste E, Harrisonburg, VA 22801(540) 434-2398View |
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0 miWilliam Stein2515 E Market St Ste A, Harrisonburg, VA 22801(540) 434-2258View |
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0 miMuterspaugh Insurance Agency234 E Market St, Harrisonburg, VA 22801(540) 433-2423View |
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0 miDonna Preziuso128 W Bruce St, Harrisonburg, VA 22801(727) 409-8720View |
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0 miLD&B Insurance & Financial Services205 S Liberty St, Harrisonburg, VA 22801(540) 433-2796View |
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0 miBB&T Insurance Services328 S Main St, Harrisonburg, VA 22801(540) 437-1300View |
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0 miBrad Wetsel1164 S High St, Harrisonburg, VA 22801(540) 383-7700View |
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0 miInsurance Center of Harrisonburg981 S High St, Harrisonburg, VA 22801(540) 433-1519View |
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0 miAGR Insurance Agency560 Neff Ave Ste 300, Harrisonburg, VA 22801(540) 434-3100View |
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0 miNathan Skievaski243 Neff Ave Ste H, Harrisonburg, VA 22801(540) 421-3782View |
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0 miTom Wimer243 Neff Ave Ste H, Harrisonburg, VA 22801(540) 434-3950View |
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0 miVirginia Farm Bureau Insurance1938 Deyerle Ave, Harrisonburg, VA 22801(540) 434-6778View |
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0 miMcMillen Insurance Agency370 Neff Ave Ste D, Harrisonburg, VA 22801(540) 433-9052View |
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0 miIntegrity Insurance Group410 Neff Ave Ste 400, Harrisonburg, VA 22801(540) 433-0200View |
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0 miCourtney Teague1880 Reservoir St, Harrisonburg, VA 22801(540) 433-1916View |
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0 miBlue Ridge Insurance Services116 Reservoir St, Harrisonburg, VA 22801(540) 437-9030View |
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0 miHIS Insurance & Service789 E Market St Ste A, Harrisonburg, VA 22801(888) 205-5880View |
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0 miDennis Blackwell119 S Carlton St, Harrisonburg, VA 22801(540) 433-5338View |
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0 miBankers Insurance560 Neff Ave Ste 500, Harrisonburg, VA 22801(540) 434-4469View |
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6.58 miJon Hannah1807 Virginia Ave, Harrisonburg, VA 22802(540) 432-8202View |
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6.58 miAbbas Rawoot167 N Liberty St Ste D, Harrisonburg, VA 22802(540) 564-2400View |
Learn More About Car Insurance in Harrisonburg, VA
Methodology
The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.