Cheapest Auto Insurance in Roanoke, Virginia (2024)

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 $131 and the national average of $159 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.

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.

Best insurer for cheap rates: Auto-Owners

Best insurer for families: State Farm

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

• 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.

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Rates start at $35 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.

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 $151 for full-coverage car insurance.

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.

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.

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Monthly rates start at $43 for drivers with an incident

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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 $44 per month, from State Farm.

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 $47 per month.

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 $58 per month, from State Farm.

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 $25.

Cheapest car insurance for teens: State Farm

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.

State Farm is the cheapest insurer for teenagers in Roanoke, with liability-only rates of $59 per month.

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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.

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 $131 and the national average of $159 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.

Roanoke car insurance FAQs