Roanoke, VA Car Insurance

Auto insurance costs an average of $75 per month in Roanoke. If you're paying too much, compare rates and save.

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

How much is auto insurance in Roanoke?


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 AUTO INSURANCE PREMIUMS
Roanoke Average (per year)Virginia AverageNational Average
$902$1,005$1,548

Contents:

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.


ROANOKE CAR INSURANCE RATES BY COMPANY
CompanyAverage Annual Rate
USAA$753
Erie$808
Progressive$866
Nationwide$866
State Farm$892

Check out our guide to learn how to find the best cheap car insurance.



Roanoke car insurance costs by age

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.


CAR INSURANCE RATES BY AGE TIER IN ROANOKE
Age bracketAverage Yearly Rate
Teenagers$3,055
20s$1,169
30s$886
40s$846
50s$768
60s$800
70s$992

Learn more about the impact of age on car insurance premiums.



Roanoke auto insurance rates by gender and marital status


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.


ROANOKE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Annual Rate
Female$905
Male$902
Single$902
Married$789
Divorced$902
Widowed$791

Learn more about how gender and marital status have on auto insurance rates.



Roanoke car insurance rates by violation history


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.


ROANOKE CAR INSURANCE RATES AFTER A COLLISION OR CITATION
ViolationAverage Annual Rate
DWI/DUI$1,374
Reckless Driving$1,249
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

Learn more about the impact of driving violations on car insurance rates.



Roanoke car insurance rates by credit level


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.


ROANOKE AUTO INSURANCE PREMIUMS BY CREDIT LEVEL
Credit TierAverage Rate (annual)
Very Poor$1,638
Fair$1,299
Good$1,100
Very Good$947
Exceptional$789

Discover more about the relationship between credit scores and car insurance rates.



The Zebra

The Zebra is the nation's leading independent insurance comparison site. The Zebra compares more than 100 insurance companies and provides agent support and educational resources to ensure drivers are equipped to make the most informed decisions about their home and auto insurance.