Harrisonburg Car Insurance Resources

Harrisonburg, VA Car Insurance

Cars Insured in Harrisonburg

^ There are an estimated 37,498 vehicles currently insured in Harrisonburg. ^[1]

Car Insurance Rates in Harrisonburg

^ From 2006 to 2010, Virginia cities had the 32nd highest auto insurance rates in the nation. ^[2]

Uninsured Motorists in Harrisonburg

^ There are an estimated 3,610 uninsured motorists driving in Harrisonburg. ^[3]

Harrisonburg Car Insurance

Car Insurance Liability Requirements in Harrisonburg

Minimum Liability Limits in Harrisonburg: 25/50/20 ^[4]
- 25 Required coverage up to $25,000 for one individual injured in an accident
- 50 Required coverage up to $50,000 for all persons injured in an accident
- 20 Required coverage up to $20,000 for property damage in an accident
- Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.

Chart: Required coverage in the U.S.

Required Car Insurance Coverage in Harrisonburg

Harrisonburg Auto Insurance Coverage Requirements ^[4]
- Bodily injury liability coverage
- Property damage liability coverage
- Uninsured motorist coverage
- Underinsured motorist coverage
- Note: It is compulsory to buy physical damage insurance or pay an Uninsured Motorists Vehicle (UMV) fee to the state Department of Motor Vehicles.

Car Insurance Verification Laws in Harrisonburg

Insurer Verification of Auto Insurance in Harrisonburg ^[4]
- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
- Insurer must verify financial responsibility or insurance after an accident or arrest.
- Insurer must verify randomly selected insurance policies upon request.
- Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Harrisonburg Car Insurance Facts, Estimates & Related Laws

Harrisonburg Car Insurance Stats

Number of Auto Insurance Policies in Harrisonburg
- Based on historical and current data, 37,498 cars are currently insured in Harrisonburg. ^[5]
- Virginia cities collectively ranked 11th in the nation in auto insurance policies in 2011 with a total of 6,133,687. ^[1]
Uninsured Motorist Rate in Harrisonburg
- Based on historical and current data, Harrisonburg has an estimated 3,610 uninsured drivers. ^[6]
- Virginia cities collectively had the 36th highest uninsured motorist rate in the nation in 2009. ^[3]
Average Car Insurance Rates in Harrisonburg
- Virginia cities collectively had the 34th highest auto insurance rates in the nation in 2010. ^[2]

Harrisonburg Distracted Driving Laws

Hand-held phone ban? No
Texting-while-driving ban? Yes

Texting-while-driving ban in place for all drivers. ^[7]

Young drivers cell phone ban? Yes

Ban applies to drivers younger than 18. ^[7]

Bus driver cell phone ban? Yes

Ban applies to school bus drivers. ^[7]

Enforcement of laws:

Primary enforcement in effect for texting. Secondary enforcement in effect for drivers younger than 18. ^[7]
With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.

Harrisonburg Automotive Laws

Minimum Driving Age in Harrisonburg ^[9]
- Harrisonburg, VA minimum driving age: 15 years, 6 months.
Driver's License Renewal Cycle in Harrisonburg
- Renewal cycle: 8 years ^[7]
Motorcycle Helmet Laws in Harrisonburg
- Motorcycle helmets required for all riders. ^[7]
Safety Belt Laws in Harrisonburg
- Safety belt laws have been in place since 1988 and apply to drivers/passengers 18+ years in front seat. ^[7]
- Child restraint law in place for 7 years and younger unless they have a physician exemption19. ^[7]

Virginia Car & Driver Facts

Virginia Auto Registrations

Auto Registrations in VA ^[8]
- Registered Cars: 3,827,026
- Registered Trucks: 2,954,336
- Registered Motorcycles: 195,829
- Total Registrations: 6,998,385
- Rank: Virginia ranked 11th in the United States in total auto registrations in 2011.

Virginia Automotive Facts

Speed Limits in VA
- Rural interstates: 70 mph ^[7]
- Urban interstates: 70 mph ^[7]
- Other roads: 55 mph ^[7]
Virginia Motor Fuel Consumption
- Virginia cities collectively ranked 12th in the nation in total motor fuel consumption in 2011. ^[10]

Virginia Licensed Drivers

Licensed Drivers in VA ^[11]
- Female Drivers: 2,820,210
- Male Drivers: 2,646,835
- Total Drivers: 5,467,045
- Rank: 13th highest in the U.S.

Additional information about Harrisonburg, VA

About Harrisonburg

Harrisonburg (Virginia) is a city with a population of 48,914 ^[12] that is located in Harrisonburg County.

More about Harrisonburg auto insurance

For more information about Harrisonburg car insurance, or for additional resources regarding Virginia car insurance overall, visit the Virginia Department of Insurance.

Did you know?

California has a program that offers low-cost auto policies to low-income drivers (California Assigned Risk Program).

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)