Auto insurance costs an average of $75 per month in Roanoke. If you're paying too much, compare rates and save.
Auto insurance costs an average of $902 per year in Roanoke. That's cheaper than the average rate in Virginia ($1,005) and cheaper than the U.S. average of $1,548. 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, driving history and marital status. Read on for more information.
|Roanoke Average (per year)||Virginia Average||National Average|
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||Average Annual Rate|
The age group that pays the least for car insurance in Roanoke are drivers in their 50s ($768 per year). Drivers in their 60s pay marginally higher rates — $800 per year.
Young 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||Average Yearly Rate|
Marital status and gender can play roles in how car insurance companies set rates, in some cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Roanoke pay $113 less than single drivers for auto insurance.
Gender is another factor that can affect car insurance rates. In Roanoke, female drivers pay more for auto insurance than do male drivers: $3 per year, to be precise.
|Marital Status/Gender||Average Annual Rate|
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 $472per year in extra insurance expenditures.
|Violation||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$1,261|
|At-fault Accident (damages greater than $2,000)||$1,405|
|Speeding Ticket (16-20 mph over speed limit)||$1,119|
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 $339 decrease in yearly insurance premiums.
|Credit Tier||Average Rate (annual)|