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 $36 per month.

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Updated June 20, 2024

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Cheapest recent rates near Roanoke, Virginia

Recent Roanoke, Virginia car insurance prices for Chrysler, Toyota, Ford , and more.

*Quotes generated for Insurify users in and around Roanoke, Virginia within the last 10 days. Last updated on June 20, 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 June 20, 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 June 20, 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 June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Drivers in Roanoke pay an average of $122 per month for car insurance. The city’s rates are cheaper than both Virginia’s monthly average of $133 and the national average of $160 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 Mercury 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
Auto-Owners8.5$72$39Cheap rates
State Farm9.3$73$40Families
USAA9.4$99$53Military 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-5 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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$36/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.
$65/mo

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

Read our Auto-Owners review
Thomas - June 18, 2024
Verified

Pleased

I'm very pleased, but it got too expensive.

Phyllis - June 17, 2024
Verified

Interested in Changing

They are very difficult to contact with problems and questions.

Kenneth - June 17, 2024
Verified

Excellent

I would renew with them, but they are leaving Florida.

Best insurer for families: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$37/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.
$66/mo

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

Read our State Farm review
Ronald - June 20, 2024
Verified

Excellent Outcome

They were professional, helpful, supportive, and knowledgeable.

Henry Crognale - June 20, 2024
Verified

Good

Excellent customer service.

Carole - June 20, 2024
Verified

Fair

It's too expensive for seniors.

Best insurer for military members, veterans, and their families: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$50/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.
$89/mo

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

Read our USAA review
Claude - June 20, 2024
Verified

Excellent

Outstanding all the time.

Christie - June 18, 2024
Verified

Ok

I have had USAA banking and auto insurance for 20 years. I just changed my bank account and am now looking for new insurance. They used to be awesome and nobody could even make me think of switching, but it seems people these days don't care about good customers.

John - June 18, 2024
Verified

USAA is tough to beat

I have yet to receive a quote that beats USAA!

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:

Find Cheap Car Insurance in Roanoke, Virginia

Rates start at $36 per month for liability coverage

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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 $87 in Roanoke. The table below shows the cheapest liability-only coverage in the city.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$36
State Farm$37
Mercury$48
GEICO$50
USAA$50
Chubb$55
Clearcover$56
Erie$57
Safeco$64
Nationwide$65
Midvale Home & Auto$68
Direct Auto$75
State Auto$75
Progressive$76
Allstate$78
Elephant$78
National General$89
AssuranceAmerica$96
GAINSCO$96
Dairyland$98
Liberty Mutual$99
Travelers$104
CSAA$114
Bristol West$124
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 $156 for full-coverage car insurance.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$65
State Farm$66
GEICO$89
USAA$89
Clearcover$96
Chubb$98
Erie$102
Mercury$102
Safeco$104
Midvale Home & Auto$113
Nationwide$115
State Auto$131
Direct Auto$135
Allstate$140
Elephant$140
Progressive$147
AssuranceAmerica$152
Liberty Mutual$159
National General$173
CSAA$181
Travelers$186
GAINSCO$224
Bristol West$245
Dairyland$245
The General$267
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 Chrysler, Toyota, Jeep , and more.

*Quotes generated for Insurify users in and around Roanoke, Virginia within the last 10 days. Last updated on June 20, 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 June 20, 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 June 20, 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 June 20, 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.

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for your car’s damage when you collide with an object.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for your car’s damage from incidents other than collisions.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage pays for accident-related damages caused by drivers without or with insufficient insurance.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap insurance

    Gap insurance pays the difference between your loan balance and insurance settlement if your insurance company totals your car.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage pays for you and your passengers’ medical and funeral costs from an accident.

Virginia Automobile Insurance Plan

illustration card https://a.storyblok.com/f/162273/150x150/a618cc2291/states_virginia.svg

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 $44 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

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 $46 per month, from Auto-Owners.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners$36$46
State Farm$37$47
Mercury$48$66
GEICO$50$64
USAA$50$64
Chubb$55$72
Clearcover$56$73
Erie$57$75
Safeco$64$84
Nationwide$65$84
Midvale Home & Auto$68$91
Direct Auto$75$97
State Auto$75$104
Progressive$76$98
Allstate$78$100
Elephant$78$110
National General$89$113
AssuranceAmerica$96$125
GAINSCO$96$136
Dairyland$98$126
Liberty Mutual$99$140
Travelers$104$135
CSAA$114$150
Bristol West$124$158
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: Auto-Owners

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 Auto-Owners, with liability rates of $48 per month.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Auto-Owners$36$48
State Farm$37$49
Mercury$48$68
GEICO$50$67
USAA$50$67
Chubb$55$74
Clearcover$56$80
Erie$57$78
Safeco$64$83
Nationwide$65$88
Midvale Home & Auto$68$96
Direct Auto$75$102
State Auto$75$110
Progressive$76$103
Allstate$78$104
Elephant$78$102
National General$89$119
AssuranceAmerica$96$128
GAINSCO$96$124
Dairyland$98$131
Liberty Mutual$99$144
Travelers$104$140
CSAA$114$159
Bristol West$124$163
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: Auto-Owners

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 $60 per month, from Auto-Owners.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Auto-Owners$36$60
State Farm$37$61
Mercury$48$72
GEICO$50$83
USAA$50$83
Chubb$55$91
Clearcover$56$93
Erie$57$94
Safeco$64$106
Nationwide$65$108
Midvale Home & Auto$68$113
Direct Auto$75$124
State Auto$75$124
Progressive$76$126
Allstate$78$129
Elephant$78$129
National General$89$147
AssuranceAmerica$96$159
GAINSCO$96$159
Dairyland$98$162
Liberty Mutual$99$164
Travelers$104$172
CSAA$114$189
Bristol West$124$205
The General$142$235
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 $26.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners$26$26
State Farm$27$27
Mercury$34$34
GEICO$37$37
USAA$37$37
Chubb$38$38
Erie$40$40
Clearcover$42$42
Nationwide$45$45
Midvale Home & Auto$49$49
Safeco$49$49
Progressive$51$51
Direct Auto$54$54
State Auto$54$54
Elephant$58$58
Allstate$59$59
National General$66$66
AssuranceAmerica$68$68
Dairyland$74$74
GAINSCO$74$74
Liberty Mutual$74$74
Travelers$76$76
CSAA$83$83
Bristol West$93$93
The General$109$109
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 $61 per month.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners$61$61
State Farm$62$62
GEICO$78$78
USAA$83$83
Mercury$87$87
Erie$95$95
Chubb$101$101
Clearcover$108$108
Nationwide$111$111
Midvale Home & Auto$117$117
Elephant$128$128
Safeco$132$132
State Auto$132$132
Allstate$136$136
Direct Auto$136$136
Progressive$136$136
Dairyland$163$163
National General$169$169
GAINSCO$170$170
AssuranceAmerica$177$177
Liberty Mutual$182$182
CSAA$186$186
Travelers$186$186
Bristol West$210$210
The General$228$228
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.

Find Car Insurance in Roanoke

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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 $122 per month for car insurance.

The city’s rates are cheaper than both Virginia’s monthly average of $133 and the national average of $160 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.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Chesapeake$104$169
Lynchburg$83$152
Newport News$104$173
Norfolk$113$187
Richmond$113$192
Virginia Beach$100$169
Woodbridge$114$186
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 $156 per month for full coverage and $87 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 $36 per month for liability-only coverage. Roanoke drivers can also find cheap rates from State Farm and Mercury, which have liability rates of $37 and $48 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 $133 per month. Drivers pay $94 for liability coverage and $171 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Virginia Department of Motor Vehicles. "Insurance Requirements."
  2. Automobile Insurance Plan Service Office. "Virginia Automobile Insurance Plan."
  3. Virginia Bureau of Insurance. "Auto Insurance Consumer's Guide."
  4. Insurance Information Institute. "Background on: Insurance scoring."
  5. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  6. City Population. "State of Virginia."
Daria Kelly Uhlig
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.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny 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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