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Auto Insurance in 22802

Drivers in ZIP code 22802 (Harrisonburg, Virginia) pay an average of $87/month for minimum liability coverage. Compare quotes from top carriers to find your best rate.

Area Average
$87/mo
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Car Insurance Rates for ZIP 22802 by Carrier

Rates last updated: May 2026. Based on a 35-year-old driver with a clean record driving a 2022 sedan. *USAA available to military members and families only.

CarrierMin Coverage/moFull Coverage/moRating
GEICO$63$77★ 4.5
Progressive$70$84★ 4.3
State Farm$73$88★ 4.4
Allstate$80$96★ 4.1
USAA*$55$68★ 4.8

Car Insurance for 22802 (Harrisonburg, VA)

Residents of ZIP code 22802 in Harrisonburg pay an average of $87 per month for minimum liability auto insurance. This reflects local traffic patterns, claim frequency, and driving conditions in the Shenandoah Valley region of Virginia. Your actual rate depends on your specific profile — driving history, vehicle, age, and coverage level.

Virginia Coverage Requirements

All Virginia drivers in 22802 must carry at minimum: $30,000 bodily injury per person, $60,000 per accident, and $20,000 property damage liability. Uninsured/underinsured motorist coverage at the same limits is also required, per the Virginia DMV (dmv.virginia.gov) effective January 1, 2025.

How to Get the Best Rate in 22802

The most effective way to lower your premium is to compare quotes from multiple carriers. Rate variation between companies for the same driver in Harrisonburg can exceed $100/month — per NAIC 2024 data, Virginia drivers save an average of $487/year by shopping their coverage annually. Use 804Insurance to compare top carriers side by side without sharing your information with every insurer.

Frequently Asked Questions — ZIP 22802

How much is car insurance in ZIP code 22802?
Drivers in ZIP 22802 (Harrisonburg, Virginia) pay an average of $87/month for minimum liability coverage. Full coverage averages $77–$96/month depending on carrier.
Which carrier is cheapest in 22802?
GEICO typically offers the lowest rates for 22802 residents at around $63/month for minimum coverage. Progressive is competitive for drivers with violations. USAA offers the best rates for military families at approximately $55/month.
What are Virginia's car insurance requirements?
Virginia requires $30,000 bodily injury per person, $60,000 per accident, $20,000 property damage, plus matching UM/UIM limits. Driving uninsured is illegal in Virginia since 2024 — the old $500 uninsured vehicle fee option was eliminated.
How can I lower my insurance rate in Harrisonburg?
Compare at least 3 quotes — this single step saves Virginia drivers an average of $487/year. Also consider bundling auto and home insurance (saves ~$247/year), raising your deductible, and enrolling in telematics programs like Snapshot or DriveEasy.
Is full coverage worth it in the Shenandoah Valley area?
Full coverage averages $77–$96/month in 22802. It's worth carrying if your vehicle is worth more than $10,000, you have a car loan or lease, or you couldn't comfortably replace your vehicle. Drop to liability-only when the annual collision/comprehensive premium exceeds 10% of your car's value.
Does Virginia require uninsured motorist coverage in 22802?
Yes. Virginia law requires UM/UIM coverage at the same limits as your liability — $30,000/$60,000. With approximately 11% of Virginia drivers uninsured (Insurance Research Council 2023), this protection is essential for Harrisonburg drivers.

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Rates last updated: May 2026. Rates shown are regional averages based on a 35-year-old driver with a clean record driving a 2022 sedan with a $500 deductible. Individual rates will vary. See our rate methodology.