Home By State Best Car Insurance 22801 Harrisonburg, VA

Best Car Insurance 22801 Harrisonburg, VA

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Best Car Insurance 22801

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 CompanyMinimum Coverage Monthly AverageFull 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 CompanyMonthly Minimum Coverage AverageAnnual 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 CompanyMonthly Full Coverage AverageAnnual 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 CodeFull Coverage Monthly AverageFull Coverage Annual AverageDifference From Harrisonburg Average
22802$141$1,692-0%
22801$142$1,6980%

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 CompanyMonthly Minimum Coverage AverageMonthly 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

Read | Average Cost Of Car Insurance In Boston 

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 AgeMonthly Minimum Coverage AverageMonthly 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 CompanyMonthly Minimum Coverage AverageMonthly 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 CompanyMonthly Minimum Coverage AverageMonthly 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 CompanyMonthly Minimum Coverage AverageMonthly 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 CompanyMonthly Minimum Coverage AverageMonthly 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 CompanyMonthly Minimum Coverage AverageMonthly 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.

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