Cheapest Auto Insurance in Roanoke, Virginia (2024)
Roanoke drivers can find the cheapest car insurance rates from Auto-Owners. The insurer’s liability-only rates start at just $30 per month.
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Written byDaria Kelly Uhlig
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Licensed Realtor with 10+ years in personal finance content
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Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.
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Edited byDanny Smith
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Licensed auto and home insurance agent
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As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Updated November 21, 2024
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Table of contents
Drivers in Roanoke pay an average of $126 per month for car insurance. The city’s rates are cheaper than both Virginia’s monthly average of $142 and the national average of $154 per month.
Even though rates are cheaper on average in Roanoke, your exact rate depends on your unique driving factors. Your age, driving record, and coverage levels all have an effect on your premium. Always compare car insurance quotes from multiple insurers before buying a policy.
Quick Facts
Auto-Owners, State Farm, and GEICO are the cheapest car insurance companies for Roanoke drivers.
Virginia is an at-fault state for car insurance.
Insurers in Virginia can use your credit history when determining your rates.
Cheapest car insurance companies in Roanoke
Finding the cheapest car insurance can be tricky because different companies calculate rates differently. They base them on many factors, and how important each factor is in the final calculation varies.
To get the best rates, compare a few different insurers to see which can offer you the best deal on your coverage.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $62 | $34 | Cheap rates |
| State Farm | 9.3 | $64 | $35 | Families |
| USAA | 9.4 | $86 | $47 | Military members, veterans, and their families |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $30/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $56/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners has the cheapest car insurance rates in Roanoke and only uses independent agents. Drivers looking for cheap, basic coverage options will find Auto-Owners far below the state average rates. It’s a great option for drivers looking to save.
Pros
Cheapest car insurance rates in Roanoke
Lower-than-average National Association of Insurance Commissioners (NAIC) Complaint Index score
Cons
Fewer non-bundling discounts than some competitors
Limited range of available optional coverages compared to some competitors
Best insurer for families: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $30/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $57/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is America’s largest insurance company and one of the best in terms of customer satisfaction.
It has one of the cheapest rates for car insurance in Roanoke, which drivers can potentially lower even further with family-focused discounts like the Steer Clear program for drivers younger than 25, the good student discount, and the student away at school discount.
Pros
AM Best financial strength rating of A++ (Superior)
Rideshare coverage available
Cons
Accident forgiveness not available
Doesn’t offer gap insurance
Best insurer for military members, veterans, and their families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $41/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $76/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Virginia has 27 military installations, making USAA an excellent choice for many Virginia drivers.
It’s the best option for active-duty military members, veterans, and their families, as it offers affordable premiums and excellent customer service. It consistently scores at the top of the J.D. Power U.S. Auto Insurance Study and has an AM Best financial strength rating of A++ (Superior).
Pros
Reliable and affordable
Offers investing, banking, and retirement solutions to its members
Cons
Only available to active military, veterans, and their families
Customer service not available 24/7
How to get the cheapest car insurance in Roanoke
Various factors go into car insurance rate calculations, including your driving record, credit history, the kind of car you drive, how much you drive, and even where you park it.
Here are a few ways to get cheap car insurance in Roanoke:
Compare car insurance quotes. Shop around and compare rates from multiple car insurance companies before deciding on a policy. Each insurer weighs factors differently, so you may find cheaper rates for the same coverage from certain companies.
Apply for discounts. Insurance companies offer various discounts to help you save money on an auto policy, like good student and defensive driver discounts.
Bundle home and auto insurance policies. You can usually save on coverage if you bundle your car insurance with homeowners or renters insurance.
Maintain a clean driving record. Drivers with clean records typically pay the cheapest premiums. Drive defensively, and avoid speeding.
Select a higher deductible. A higher deductible means a lower premium — just make sure you can afford it if you need to file a claim.
Find Cheap Car Insurance in Roanoke, Virginia
Rates start at $30 per month for liability coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Roanoke: Auto-Owners
Liability-only car insurance coverage is basic coverage that includes bodily injury and property damage liability coverage if you cause a crash that results in someone’s injury or damages their property.
Liability-only coverage costs an average of $91 in Roanoke. The table below shows the cheapest liability-only coverage in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $30 |
| State Farm | $30 |
| GEICO | $41 |
| USAA | $41 |
| Chubb | $45 |
| Erie | $47 |
| Clearcover | $51 |
| Nationwide | $53 |
| Mercury | $55 |
| Allstate | $64 |
| Progressive | $71 |
| Direct Auto | $79 |
| Elephant | $81 |
| National General | $84 |
| Travelers | $86 |
| CSAA | $95 |
| GAINSCO | $97 |
| Safeco | $102 |
| Dairyland | $108 |
| Bristol West | $111 |
| AssuranceAmerica | $119 |
| Liberty Mutual | $137 |
| The General | $142 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Roanoke: Auto-Owners
Whereas liability-only coverage reimburses damages other people suffer, full-coverage car insurance also covers your own injuries and damage to your vehicle. Full coverage entails the state minimum liability insurance requirements, as well as collision and comprehensive coverage.
Collision coverage is for collisions with another vehicle or a stationary object. Comprehensive coverage is for all other mishaps, including damage from weather and fallen trees, fire, vandalism, theft, and accidents involving animals.
You’ll usually need full coverage if you lease a car or finance your purchase of one, but it’s worth considering, even if your lender doesn’t require it. Car insurance repair costs can skyrocket quickly, and you don’t want to be stuck with the full bill.
Roanoke drivers pay a monthly average of $162 for full-coverage car insurance.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $56 |
| State Farm | $57 |
| GEICO | $76 |
| USAA | $76 |
| Chubb | $83 |
| Erie | $87 |
| Clearcover | $94 |
| Nationwide | $99 |
| Allstate | $119 |
| Mercury | $120 |
| Progressive | $130 |
| Elephant | $138 |
| CSAA | $145 |
| Direct Auto | $153 |
| Travelers | $160 |
| National General | $163 |
| Safeco | $165 |
| Bristol West | $209 |
| Liberty Mutual | $211 |
| GAINSCO | $219 |
| AssuranceAmerica | $226 |
| Dairyland | $249 |
| The General | $285 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Roanoke, Virginia
Recent Roanoke, Virginia car insurance prices for Jeep, Toyota, Ford , and more.
*Quotes generated for Insurify users in and around Roanoke, Virginia within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Roanoke, Virginia within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Virginia
Virginia is unusual in that it gives drivers a way to opt out of carrying liability insurance. Drivers who choose not to carry liability coverage pay a $500 uninsured motor vehicle fee.[1]
The fee isn’t insurance, and when you drive, it’s at your own risk. If you cause an accident, you’ll be responsible for paying for damages out of pocket.
Most drivers purchase liability insurance, though. Drivers who purchase liability coverage must comply with minimums for bodily injury and property damage protection.
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $20,000 per accident |
Other optional coverages available to you may include:
Collision coverage
Collision coverage pays for your car’s damage when you collide with an object.
Comprehensive coverage
Comprehensive coverage pays for your car’s damage from incidents other than collisions.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for accident-related damages caused by drivers without or with insufficient insurance.
Gap insurance
Gap insurance pays the difference between your loan balance and insurance settlement if your insurance company totals your car.
Medical payments coverage
Medical payments coverage pays for you and your passengers’ medical and funeral costs from an accident.
Virginia Automobile Insurance Plan
VAIP
Drivers who can’t find auto insurance because of prior accidents or traffic violations have a last-resort option: the Virginia Automobile Insurance Plan (VAIP). Premiums are costly, according to the Bureau of Insurance, but it’s available through any insurance agent.[2]
Cheapest car insurance for drivers with an incident
An incident is an at-fault accident or a moving violation that gets reported to your insurance company, such as a speeding ticket or driving under the influence conviction. Incidents often lead to a rate increase, although different insurers have different rules around how much rates should increase for comparatively minor or first-time incidents.
Some increases could even be on your record for three years before your insurer removes the premium increase.[3] However, you can still find affordable car insurance with the right insurance companies. Below, you’ll see which insurers offer the cheapest premiums for drivers with varying incidents on their records.
Shop for Car Insurance in Roanoke, VA
Monthly rates start at $36 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding tickets make you a riskier driver to insure, so there’s a good chance your insurer will raise your rates if you get one — and it’s almost certain to if you have two or more tickets in a few-year period.
How much of an increase you’re likely to see depends on your overall driving history and your insurance company. But the cheapest car insurance you’ll find in Roanoke with a speeding ticket is $38 per month, from State Farm.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $30 | $39 |
| State Farm | $30 | $38 |
| GEICO | $41 | $52 |
| USAA | $41 | $52 |
| Chubb | $45 | $58 |
| Erie | $47 | $61 |
| Clearcover | $51 | $65 |
| Nationwide | $53 | $68 |
| Mercury | $55 | $75 |
| Allstate | $64 | $81 |
| Progressive | $71 | $90 |
| Direct Auto | $79 | $100 |
| Elephant | $81 | $111 |
| National General | $84 | $107 |
| Travelers | $86 | $110 |
| CSAA | $95 | $123 |
| GAINSCO | $97 | $133 |
| Safeco | $102 | $131 |
| Dairyland | $108 | $137 |
| Bristol West | $111 | $142 |
| AssuranceAmerica | $119 | $151 |
| Liberty Mutual | $137 | $187 |
| The General | $142 | $184 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Drivers who file a claim after an accident for which they were primarily at fault can expect their insurance company to increase their premium by a certain percentage, according to the Insurance Information Institute (III). The exact percentage varies by company, but most keep the increase in place for three years.
The cheapest car insurance you’ll find in Roanoke with an accident is from State Farm, with liability rates of $40 per month.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $30 | $40 |
| State Farm | $30 | $40 |
| GEICO | $41 | $55 |
| USAA | $41 | $55 |
| Chubb | $45 | $60 |
| Erie | $47 | $64 |
| Clearcover | $51 | $73 |
| Nationwide | $53 | $71 |
| Mercury | $55 | $79 |
| Allstate | $64 | $85 |
| Progressive | $71 | $95 |
| Direct Auto | $79 | $108 |
| Elephant | $81 | $106 |
| National General | $84 | $112 |
| Travelers | $86 | $115 |
| CSAA | $95 | $131 |
| GAINSCO | $97 | $124 |
| Safeco | $102 | $135 |
| Dairyland | $108 | $143 |
| Bristol West | $111 | $148 |
| AssuranceAmerica | $119 | $155 |
| Liberty Mutual | $137 | $195 |
| The General | $142 | $193 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
A DUI conviction has many serious consequences, including an almost certain increase in your premium. Some insurers may even refuse to provide you coverage after one.
A DUI conviction will increase your rates, but you might find more reasonably priced coverage options from these insurers. The cheapest car insurance you’ll find in Roanoke with a DUI is $49 per month, from State Farm.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $30 | $49 |
| State Farm | $30 | $49 |
| GEICO | $41 | $66 |
| USAA | $41 | $66 |
| Chubb | $45 | $73 |
| Erie | $47 | $76 |
| Clearcover | $51 | $83 |
| Nationwide | $53 | $86 |
| Mercury | $55 | $82 |
| Allstate | $64 | $104 |
| Progressive | $71 | $115 |
| Direct Auto | $79 | $128 |
| Elephant | $81 | $131 |
| National General | $84 | $136 |
| Travelers | $86 | $139 |
| CSAA | $95 | $138 |
| GAINSCO | $97 | $157 |
| Safeco | $102 | $153 |
| Dairyland | $108 | $175 |
| Bristol West | $111 | $180 |
| AssuranceAmerica | $119 | $193 |
| Liberty Mutual | $137 | $222 |
| The General | $142 | $230 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Good drivers enjoy low prices from around the time they turn 35 until they hit their 70s. Their rates typically begin to climb after that because with age comes a reduced likelihood of avoiding serious injury or death in the event of a car accident.
Virginia drivers do get a bit of a break, however. State law requires insurance companies to give a reduction in premiums to drivers age 55 and older if they’ve successfully completed a motor vehicle accident-prevention course approved by the Department of Motor Vehicles, according to the Virginia Bureau of Insurance.[3]
The cheapest insurer for senior drivers in Roanoke is Auto-Owners, with a monthly liability rate of $23.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $23 | $23 |
| State Farm | $23 | $23 |
| Chubb | $32 | $32 |
| GEICO | $32 | $32 |
| USAA | $32 | $32 |
| Erie | $35 | $35 |
| Nationwide | $39 | $39 |
| Mercury | $42 | $42 |
| Clearcover | $43 | $43 |
| Allstate | $50 | $50 |
| Progressive | $50 | $50 |
| Direct Auto | $60 | $60 |
| National General | $63 | $63 |
| Elephant | $65 | $65 |
| Travelers | $66 | $66 |
| CSAA | $71 | $71 |
| GAINSCO | $79 | $79 |
| Dairyland | $84 | $84 |
| Safeco | $85 | $85 |
| Bristol West | $87 | $87 |
| AssuranceAmerica | $88 | $88 |
| The General | $112 | $112 |
| Liberty Mutual | $112 | $112 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Teens’ inexperience and relative immaturity put them at high risk of getting into an accident, so they pay the highest rates of any age group. But most insurance companies give teen drivers lots of ways to save on their premiums.
Some ways to save include:
Maintain a good driving record.
Keep up your grades to qualify for a good student discount.
Avoid high-performance vehicles.
Build good credit.
Increase your deductible to whatever amount you could afford to pay out of pocket if you had to file a claim.
Auto-Owners is the cheapest insurer for teenagers in Roanoke, with liability-only rates of $53 per month.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $53 | $53 |
| State Farm | $54 | $54 |
| GEICO | $69 | $69 |
| USAA | $72 | $72 |
| Erie | $82 | $82 |
| Chubb | $90 | $90 |
| Nationwide | $97 | $97 |
| Clearcover | $98 | $98 |
| Mercury | $102 | $102 |
| Allstate | $119 | $119 |
| Progressive | $130 | $130 |
| Elephant | $138 | $138 |
| Direct Auto | $151 | $151 |
| CSAA | $160 | $160 |
| Travelers | $162 | $162 |
| National General | $172 | $172 |
| GAINSCO | $175 | $175 |
| Dairyland | $182 | $182 |
| Bristol West | $196 | $196 |
| Safeco | $204 | $204 |
| AssuranceAmerica | $228 | $228 |
| The General | $236 | $236 |
| Liberty Mutual | $246 | $246 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Roanoke car insurance quotes by credit tier
Credit history has a strong correlation to insurance risk, meaning that drivers with good credit are statistically less likely to file insurance claims. For this reason, auto insurers factor credit scores into the insurance scores that help them predict insurance losses, according to the III.[4]
As a result, you’ll pay less for insurance if you have an excellent or good credit score than if you have a poor credit score. Here’s what that looks like in terms of average rates for different credit tiers.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Roanoke, Virginia?
No. Roanoke drivers pay an average of $126 per month for car insurance.
The city’s rates are cheaper than both Virginia’s monthly average of $142 and the national average of $154 per month.
More cities in Virginia
Roanoke’s yearly average is also less than many other cities in Virginia. Some of the factors at play might include differences in crime rates from one ZIP code to the next, medical and legal costs, average commutes, and traffic congestion.[5]
Newport News’ population is more than double that of Roanoke and nearly triple Lynchburg’s.[6] It’s also in a more urban area, adjacent to Norfolk and Virginia Beach, than either of the smaller cities, which could account for the higher rates.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Chesapeake | $113 | $191 |
| Lynchburg | $90 | $161 |
| Newport News | $114 | $185 |
| Norfolk | $122 | $208 |
| Richmond | $123 | $212 |
| Virginia Beach | $106 | $184 |
| Woodbridge | $124 | $218 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Roanoke car insurance FAQs
Finding the right car insurance can be a challenge. Below are answers to some of the most commonly asked questions about car insurance in Roanoke.
How much is car insurance in Roanoke?
On average, car insurance in Roanoke costs $162 per month for full coverage and $91 for liability-only insurance. Your premium depends on factors like your location, driving record, age, and gender.
Which company has the cheapest car insurance in Roanoke?
Auto-Owners offers the cheapest car insurance rates in Roanoke, at $30 per month for liability-only coverage. Roanoke drivers can also find cheap rates from State Farm and GEICO, which have liability rates of $30 and $41 per month, respectively.
What are the best car insurance companies in Roanoke?
Auto-Owners, State Farm, and USAA are the best car insurance companies in Roanoke. All boast Insurify Quality (IQ) Scores of above 4 out of 5 and have strong financial strength ratings.
The best car insurance company for you may be different since everyone has unique insurance needs and financial situations. Always compare quotes from multiple insurers before buying a policy.
How much is car insurance in Virginia per month?
Car insurance in Virginia costs an average of $142 per month. Drivers pay $101 for liability coverage and $184 for full coverage.
What are the minimum car insurance requirements in Virginia?
Drivers who choose to carry car insurance in Virginia must carry a minimum of $30,000 per person and $60,000 per accident in bodily injury liability insurance, as well as $20,000 per accident in property damage liability coverage. You can elect to not carry car insurance if you pay the DMV a $500 fee, but you’ll be responsible for any incident costs.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Virginia
Sources
- Virginia Department of Motor Vehicles. "Insurance Requirements."
- Automobile Insurance Plan Service Office. "Virginia Automobile Insurance Plan."
- Virginia Bureau of Insurance. "Auto Insurance Consumer's Guide."
- Insurance Information Institute. "Background on: Insurance scoring."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- City Population. "State of Virginia."
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Daria Kelly Uhlig
Daria Uhlig is a freelance writer and editor with over a decade of experience creating personal finance content. Her work appears on USA Today, Nasdaq, MSN, Yahoo Finance, Fox Business, GOBankingRates and AOL. As a licensed Realtor and resort property manager, she specializes in real estate topics, including landlord, homeowners and renters insurance. In her spare time, Daria can be found photographing people and places on Maryland's Eastern Shore. Connect with her on LinkedIn.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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