Car insurance cost in Harrisonburg or looking for best car insurance 22801 ZIP code can be depending on your personal situation and the insurance companies polices. Our information shows that getting the least amount of coverage in Harrisonburg is about 21% cheaper than the average cost in the whole country. So, it’s a good idea to check quotes from different companies to getting cheapest car insurance 22801.
Best Car Insurance 22801 Harrisonburg, VA
In Harrisonburg, Virginia we picks for the best car insurance companies are Erie, State Farm, GEICO, and Travelers. These companies offer affordable rates for basic and comprehensive car insurance. They also provide various coverage choices and top-notch customer service.
| Car Insurance Company | Minimum Coverage Monthly Average | Full Coverage Monthly Average |
|---|---|---|
| State Farm | $28 | $93 |
| GEICO | $30 | $98 |
| USAA | $34 | $118 |
| Erie | $25 | $95 |
| Travelers | $32 | $83 |
| Auto-Owners | $32 | $105 |
| Progressive | $67 | $145 |
| Farmers | $112 | $429 |
| Allstate | $46 | $153 |
| Virginia Farm Bureau | $33 | $94 |
Car Insurance Quotes in 22801 Harrisonburg, VA
In Harrisonburg, the basic car insurance helps to cover the costs of harm from others in case any accident . The minimum coverage typically costs around $44 per month or $527 per year and this cost are 21 % cheaper than the national average.
Full-coverage car insurance takes care of your car’s repair costs in case of accidents or other environmental damage. Based on our information, the average cost for full coverage in Harrisonburg is $141 per month or $1,695 per year. This is approximately 23 % cheaper than the national average car insurance cost.
Cheapest Liability Insurance Companies In 22801 Harrisonburg, VA
The Best Car Insurance 22801, Harrisonburg for minimum coverage we consider Erie and State Farm because they provide the cheapest car insurance rates for minimum auto insurance with $25 per month from Erie and $28 per month from State Farm.
| Car Insurance Company | Monthly Minimum Coverage Average | Annual Minimum Coverage Average |
|---|---|---|
| Erie | $25 | $304 |
| State Farm | $28 | $334 |
| GEICO | $30 | $360 |
| Travelers | $32 | $381 |
| Auto-Owners | $32 | $386 |
| Virginia Farm Bureau | $33 | $394 |
| USAA | $34 | $404 |
| Allstate | $46 | $552 |
| Progressive | $67 | $807 |
| Farmers | $112 | $1,350 |
Cheapest Full Coverage Insurance Companies In 22801 Harrisonburg, VA
According to our analysis, Travelers offer the best rates for car insurance for full-coverage insurance in Harrisonburg with $83 per month. State Farm offers a competitive rate at $93 per month, and Virginia Farm Bureau is also an affordable choice at $94 per month.
| Car Insurance Company | Monthly Full Coverage Average | Annual Full Coverage Average |
|---|---|---|
| Travelers | $83 | $997 |
| State Farm | $93 | $1,120 |
| Virginia Farm Bureau | $94 | $1,127 |
| Erie | $95 | $1,141 |
| GEICO | $98 | $1,175 |
| Auto-Owners | $105 | $1,260 |
| USAA | $118 | $1,414 |
| Progressive | $145 | $1,735 |
| Allstate | $153 | $1,834 |
| Farmers | $429 | $5,151 |
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Cheapest Car Insurance in 22801 Harrisonburg, VA
Your car insurance cost depends on your individual circumstances. They affected from various factors like your driving record, age, type of vehicle, credit score, and even your 22801 ZIP code. Insurance companies consider many different elements when they calculate the prices for drivers. This means the insurance company with the best price for you might not have the best price for your neighbor.
Cheapest Car Insurance Rates in 22801 Harrisonburg by ZIP Code
Accident, vandalism, and theft rates can change a little based on your ZIP code. These rates can influence the cost of your car insurance. The table below show how the average rates can go up by 0.2 percent or down by 0.2 percent depending on your ZIP code in Harrisonburg.
| Harrisonburg ZIP Code | Full Coverage Monthly Average | Full Coverage Annual Average | Difference From Harrisonburg Average |
|---|---|---|---|
| 22802 | $141 | $1,692 | -0% |
| 22801 | $142 | $1,698 | 0% |
Cheapest Car Insurance Rates in 22801 Harrisonburg Drivers with Bad Credit
If your credit score isn’t in good when you going for buying car insurance under $100 then you will try to compare insurance prices from various companies. GEICO provides budget-friendly options for drivers with less-than-perfect credit, with rates of $42 per month for minimum coverage and $149 per month for full coverage.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| GEICO | $42 | $149 |
| Travelers | $52 | $144 |
| State Farm | $55 | $189 |
| Virginia Farm Bureau | $56 | $168 |
| Erie | $57 | $222 |
| USAA | $57 | $211 |
| Allstate | $70 | $235 |
| Progressive | $89 | $231 |
| Auto-Owners | $106 | $393 |
| Farmers | $198 | $814 |
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Car Insurance Harrisonburg va Cost by Age
Car insurance for teenagers pay high premium cost for car insurance because they consider a high risky driver due to lack of driving experiences . They have a higher chance of getting into accidents and violating traffic rules, which causes insurance companies to charge them higher prices. In Harrisonburg, 16-year-olds who have their own insurance policy typically pay around $169 per month for minimum coverage or $538 per month for full coverage.
After reach 20s their insurance rates tend to go down. Car insurance is typically most affordable for drivers ages between 35 and 55 years old. Senior drivers might have slightly higher rates due to a higher risk of accidents.
| Driver Age | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| 16 | $169 | $538 |
| 25 | $47 | $155 |
| 30 | $44 | $141 |
| 35 | $41 | $128 |
| 45 | $40 | $121 |
| 55 | $38 | $111 |
Cheapest Car Insurance Rates in 22801 Harrisonburg for Teen Drivers
While car insurance for teenagers can be expensive, some companies offer budget-friendly for such drivers. Erie is one of the more affordable options for teens they offering minimum coverage at $71 per month and full-coverage at $290 per month. GEICO and Travelers are also good choices for 16-year-olds looking for lower rates.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| Erie | $71 | $290 |
| GEICO | $87 | $320 |
| Travelers | $98 | $283 |
| Virginia Farm Bureau | $104 | $226 |
| Auto-Owners | $106 | $313 |
| State Farm | $111 | $330 |
| USAA | $145 | $465 |
| Allstate | $149 | $509 |
| Progressive | $279 | $818 |
| Farmers | $537 | $1,825 |
Car Insurance Harrisonburg VA Cost by Driving Profile
If you’ve recent accidents or have gotten speeding tickets then you must pay more for car insurance. Typically, accidents and tickets lead to higher rates for about three years. According to our data, having a speeding ticket can increase your insurance costs by 20 %, while an accident can raise rates by 46 %, and a DUI or DWI can result in an 88 % increase in rates.
Insurance companies have different rates because they use various approaches to determine price hikes. State Farm, Erie, and Auto-Owners offer competitive rates for drivers with different types of violations in Harrisonburg VA . Here are the average rates for drivers with a speeding ticket, at-fault accident, or DUI.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| State Farm | $31 | $104 |
| Erie | $34 | $121 |
| Auto-Owners | $40 | $132 |
| Travelers | $41 | $116 |
| Virginia Farm Bureau | $45 | $124 |
| GEICO | $47 | $163 |
| USAA | $50 | $180 |
| Allstate | $76 | $239 |
| Progressive | $83 | $191 |
| Farmers | $217 | $810 |
Cheapest Car Insurance Rates in 22801 Harrisonburg After Speeding Ticket
If you’ve received a speeding ticket and are looking for the car insurance under 100$ then Erie offers the most affordable minimum coverage rates at an average of $29 per month. and State Farm are provide the cheapest full coverage rate at $101 per month.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| Erie | $29 | $106 |
| State Farm | $30 | $101 |
| GEICO | $35 | $123 |
| Auto-Owners | $35 | $116 |
| Travelers | $37 | $109 |
| USAA | $41 | $144 |
| Virginia Farm Bureau | $43 | $121 |
| Allstate | $61 | $196 |
| Progressive | $80 | $182 |
| Farmers | $138 | $525 |
Cheapest Car Insurance Rates in 22801 Harrisonburg After An At-Fault Accident
In most cases an at-fault accidents tend to raise your Virginia car insurance rates more than speeding tickets. For minimum-coverage insurance, Erie is the most budget-friendly option with average monthly rates of $29. If you’re looking for full-coverage insurance, Auto-Owners provides economical rates at around $105 per month. As you can see, there’s a significant difference between the cheapest and most expensive insurance companies listed below.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| Erie | $29 | $106 |
| Auto-Owners | $32 | $105 |
| State Farm | $33 | $109 |
| Travelers | $41 | $115 |
| GEICO | $46 | $162 |
| Virginia Farm Bureau | $48 | $122 |
| USAA | $49 | $170 |
| Progressive | $88 | $216 |
| Allstate | $98 | $300 |
| Farmers | $178 | $682 |
Cheapest Car Insurance Rates in 22801 Harrisonburg After DUI
Drivers who getting DUI in their driving record mean increase in insurance costs. In some cases, regular insurance companies may not even provide coverage if you have multiple DUIs or other violations on your record.
If you have a DUI in Harrisonburg, the most affordable company for minimum coverage is State Farm, offering rates as low as $30 per month. For full-coverage insurance, State Farm also provides the cheapest option with average monthly rates around $101.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| State Farm | $30 | $101 |
| Virginia Farm Bureau | $44 | $129 |
| Erie | $45 | $151 |
| Travelers | $46 | $122 |
| Auto-Owners | $54 | $176 |
| GEICO | $61 | $203 |
| USAA | $61 | $226 |
| Allstate | $69 | $221 |
| Progressive | $81 | $176 |
| Farmers | $335 | $1,224 |
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Minimum Requirement Car Insurance 22801 Harrisonburg, VA
A minimum-coverage policy in Virginia includes bodily injury liability coverage and property damage liability coverage. Virginia state law requires drivers to have insurance policies that meet or exceed the following criteria:
- $60,000 bodily injury liability coverage per accident
- $30,000 bodily injury liability coverage per person
- $20,000 property damage liability coverage per accident
- $50,000 underinsured/uninsured motorist bodily injury coverage per accident
- $25,000 underinsured/uninsured motorist bodily injury coverage per person
- $20,000 underinsured/uninsured motorist property damage coverage per accident
Car insurance is optional in Virginia, but drivers who choose not to purchase insurance must pay a $600 fee.
FAQs
What types of car insurance coverage are available in 22801 Harrisonburg, VA?
There are various types of coverage, including liability, comprehensive, collision, and more.
What factors should I consider when looking for the best car insurance 22801 Harrisonburg, VA?
There are many factor you will consider when you looking for car cheapest car insurance including your driving history, coverage needs, budget, and the reputation of the insurance company.
Which insurance companies offer the best car insurance rates in the 22801 ZIP code of Harrisonburg, VA?
Erie, State Farm, GEICO, and Travelers make up our list of best car insurance companies that offer competitive rates in 22801 area.
How much does car insurance cost in Harrisonburg, VA, specifically in the 22801 ZIP code?
Insurance costs vary based on multiple factors. The average cost for minimum coverage starts at $25 per month and full-coverage insurance starts at $83 per month for good drivers.
Are there discounts available for car insurance in Harrisonburg, VA?
Yes, The Erie, State Farm, GEICO, and Travelers offer discounts for safe driving, bundling policies, or other factors.
Is it possible to find affordable car insurance for teenagers in Harrisonburg, VA?
Yes, The Erie offer the cheapest car insurance for teens with minimum coverage rates of $71 per month or full-coverage rates of $290 per month.
Is car insurance mandatory in Virginia, including Harrisonburg, VA?
We can explain the state’s insurance requirements and the consequences of driving without insurance.
