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.
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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Drivers in Roanoke pay an average of $119 per month for car insurance. The city’s rates are cheaper than both Virginia’s monthly average of $134 and the national average of $155 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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
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.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
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.
4.1
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.
$32/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.
$52/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
I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.
Mary - August 13, 2023
Verified
I was dropped because of two minor at-fault accidents in two plus years.
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.
4.4
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.
$32/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.
$53/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
I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.
Theresa - September 14, 2023
Verified
I really enjoyed working with them, I just couldn't keep up with the expensive rates.
Becki - September 13, 2023
Verified
I was 5 stars until the recent increase, without any explanation.
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.
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.
$44/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.
$72/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
They are the best in customer service.
Brenda - September 13, 2023
Verified
Overall poor service, took a safe driving discount away because I wasn’t driving enough.
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.
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 $32 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 $89 in Roanoke. The table below shows the cheapest liability-only coverage in the city.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
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 $150 for full-coverage car insurance.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
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.
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.
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 $42 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 $45 per month, from Auto-Owners.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Insurance Company
Clean Driving Record
With Speeding Ticket
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 $46 per month.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Insurance Company
Clean Driving Record
With Accident
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 $52 per month, from Auto-Owners.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Insurance Company
Clean Driving Record
With DUI
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 $22.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
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 $57 per month.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
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 $119 per month for car insurance.
The city’s rates are cheaper than both Virginia’s monthly average of $134 and the national average of $155 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.
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 $150 per month for full coverage and $89 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 $32 per month for liability-only coverage. Roanoke drivers can also find cheap rates from State Farm and GEICO, which have liability rates of $32 and $44 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 $134 per month. Drivers pay $96 for liability coverage and $172 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.
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.
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.
Auto-Owners
State Farm
USAA
