Roanoke, VA Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Roanoke.
How much does car insurance cost in Roanoke?
Auto insurance costs an average of $451 per six months in Roanoke. That's cheaper than the average rate in Virginia ($502) and cheaper than the U.S. average of $880. Our guide to car insurance in Roanoke — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, and other factors in Roanoke. Read on to learn more!
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| Car insurance in Roanoke vs. Virginia | Average 6 Mo. Premium |
|---|---|
| Roanoke average | $451 |
| Virginia average | $502 |
The Zebra's key takeaways about car insurance in Roanoke:
- The average cost of a car insurance policy in Roanoke is $451 per six-month policy — $75 per month.
- The cheapest company in Roanoke is USAA ($376).
- 36% of Zebra customers in Roanoke stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Roanoke car insurance rates by company
One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical driver, USAA offers Roanoke's cheapest rates. Reference below the top options for affordable insurance in Roanoke. Don't forget to get car insurance quotes based on your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| USAA | $376 |
| Erie | $404 |
| Progressive | $433 |
| Nationwide | $433 |
| State Farm | $446 |
Auto insurance data methodology
The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.
In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Roanoke.
Roanoke auto insurance rates by age
The age group that pays the least for car insurance in Roanoke are drivers in their 50s ($384 per six-month policy). Drivers in their 60s pay marginally higher rates — $400 per six months.
Teenage drivers aged 16 to 19 pay the most for car insurance in Roanoke. When drivers hit their 20s in Roanoke and move out of the teenage age bracket, they reduce their premiums substantially. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Roanoke is $1,886, the largest such difference between any two age brackets.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $1,527 |
| 20s | $584 |
| 30s | $443 |
| 40s | $423 |
| 50s | $234 |
| 60s | $400 |
| 70s | $496 |
Roanoke car insurance rates by credit score
A driver's credit level can be closely associated with their auto insurance rates. Roanoke drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 52% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Roanoke, improving your credit to "Fair" could help you earn a $169 decrease in six-month insurance premiums. Our data tells us 35% of drivers in Roanoke have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $819 |
| Fair | $649 |
| Good | $550 |
| Very Good | $473 |
| Exceptional | $394 |
Roanoke car insurance costs by violationÂ
Regardless of where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Roanoke drivers found guilty of reckless driving pay a heavy toll when it comes to auto insurance, facing a rate increase of $347 per year versus the city average. A ticket for speeding results in a $217 rate hike while a DWI or DUI violation costs $472 per year in extra insurance expenditures.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DWI/DUI | $687 |
| Reckless Driving | $624 |
| At-fault Accident (damages less than $1,000) | $630 |
| At-fault Accident (damages greater than $2,000) | $702 |
| Speeding Ticket (16-20 mph over speed limit) | $559 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.