Cheap Quotes for Roanoke, VA Car Insurance (2021)

Roanoke, Virginia car insurance rates average $182 a month and Virginia law requires coverage of at least 25/50/20. By comparing rates from multiple Roanoke, VA companies, you can find cheap Roanoke car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 14, 2022

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Things to Know

  • The cheapest car insurance company in Roanoke is USAA
  • Average car insurance rates in Roanoke, VA are $182/month
  • Roanoke has an average commute time of 22.8 minutes

How do the Roanoke, Virginia monthly average car insurance rates of $182/month compare to nearby cities like Suffolk car insurance rates, Virginia Beach car insurance rates, and Norfolk car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Roanoke, VA.

We’ll cover the Virginia minimum coverage requirements, Virginia car insurance laws, and Roanoke, VA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Roanoke, Virginia companies to find the most affordable Roanoke car insurance rates.

Enter your ZIP code above to find cheap Roanoke, VA car insurance quotes today.

What are the minimum Roanoke, VA car insurance requirements?

To meet Virginia minimum car insurance coverage requirements, Roanoke, VA drivers need to carry at least 25/50/20 coverage.

Minimum Required Car Insurance Coverage in Roanoke, Virginia

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Average Roanoke, VA Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Roanoke, VA you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Roanoke, Virginia

ZIP Code Average Annual Rates
24011 $1,900
24012 $1,884
24013 $1,896
24014 $1,844
24015 $1,908
24016 $1,897
24017 $1,894
24018 $1,916
24019 $1,871

How do age, gender, and marital status affect Roanoke, VA car insurance rates?

Three of the criteria that most affect car insurance rates in Roanoke, Virginia are age, gender, and marital status. Let’s take a look at how each of these stack up with top Roanoke car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Roanoke, Virginia

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,835 $1,729 $1,825 $1,825 $5,814 $6,680 $2,393 $2,391
GEICO $1,358 $1,349 $1,289 $1,289 $2,962 $3,957 $1,581 $1,555
Nationwide $1,340 $1,346 $1,193 $1,222 $3,210 $4,115 $1,478 $1,602
Progressive $1,098 $1,041 $1,000 $1,000 $5,096 $5,716 $1,326 $1,351
State Farm $1,351 $1,351 $1,229 $1,229 $4,225 $5,288 $1,531 $1,770
USAA $1,028 $1,009 $971 $970 $3,233 $3,831 $1,315 $1,439

How much do teen drivers pay for car insurance in Roanoke, VA?

Roanoke, Virginia car insurance rates for teens are often higher than rates for other drivers. Compare Roanoke car insurance rates from multiple Roanoke, Virginia car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Roanoke, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,814 $6,680
GEICO $2,962 $3,957
Nationwide $3,210 $4,115
Progressive $5,096 $5,716
State Farm $4,225 $5,288
USAA $3,233 $3,831

How much do senior drivers pay for car insurance in Roanoke, VA?

With a little research, seniors can find affordable car insurance in Roanoke, Virginia. Here’s a look at how the top Roanoke car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Roanoke, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,825 $1,825
GEICO $1,289 $1,289
Nationwide $1,193 $1,222
Progressive $1,000 $1,000
State Farm $1,229 $1,229
USAA $971 $970

How does coverage level affect Roanoke, VA car insurance rates?

How much coverage do you need? Are you comfortable with the Virginia minimum of 25/50/20 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Roanoke, VA car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Roanoke, Virginia

Insurance Company Low Medium High
Allstate $2,972 $3,062 $3,150
GEICO $1,840 $1,916 $1,997
Nationwide $2,030 $1,920 $1,864
Progressive $2,107 $2,179 $2,324
State Farm $2,108 $2,243 $2,389
USAA $1,650 $1,728 $1,795

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How does your driving record affect Roanoke, VA car insurance rates?

Safe driving pays off. The more traffic violations you have in Roanoke, VA, the higher your car insurance rates will be. Compare rates based on driving infractions from top Roanoke, Virginia companies.

Annual Roanoke, Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,281 $3,660 $3,355 $2,949
GEICO $1,461 $1,891 $2,856 $1,461
Nationwide $1,690 $1,690 $2,459 $1,913
Progressive $1,879 $2,500 $2,247 $2,187
State Farm $2,042 $2,452 $2,247 $2,247
USAA $1,334 $1,739 $2,289 $1,536

How does a DUI affect Roanoke, VA car insurance rates?

With even one DUI on your record, you can see an increase in your Roanoke, VA car insurance rates.

Annual Car Insurance Rates After a DUI in Roanoke, Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,355
GEICO $2,856
Nationwide $2,459
Progressive $2,247
State Farm $2,247
USAA $2,289

How does your credit history affect Roanoke, VA car insurance rates?

Take a look at the data here to see how your Roanoke, Virginia car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Roanoke, Virginia

Insurance Company Poor Fair Good
Allstate $3,727 $2,994 $2,462
GEICO $2,130 $1,811 $1,811
Nationwide $2,291 $1,846 $1,678
Progressive $2,448 $2,150 $2,012
State Farm $3,195 $1,981 $1,565
USAA $2,297 $1,574 $1,303

How does your commute affect Roanoke, VA car insurance rates?

Roanoke, VA car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Virginia can be seen here. Remember, though, that you may have to carry substantially more car insurance in Roanoke if you’re financing.

Annual Car Insurance Rates by Commute Length in Roanoke, Virginia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,969 $3,154
GEICO $1,882 $1,953
Nationwide $1,938 $1,938
Progressive $2,203 $2,203
State Farm $2,192 $2,302
USAA $1,661 $1,788

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Who has the cheapest Roanoke, VA car insurance rates?

Here’s a breakdown of Roanoke, Virginia car insurance rates by company. You can see which company offers the cheapest Roanoke car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Roanoke, Virginia

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation GEICO

What are the top Roanoke, VA car insurance companies?

Which Roanoke, Virginia car insurance company will best fit your needs and budget? Check out this comparison of the top Roanoke companies to find the one for you.

Average Annual Car Insurance Rates by Company in Roanoke, Virginia

Insurance Company Average Annual Rates
Allstate $3,061
GEICO $1,918
Nationwide $1,938
Progressive $2,203
State Farm $2,247
USAA $1,724

What factors affect Roanoke, VA car insurance rates?

Why are Roanoke, Virginia car insurance rates different than rates in Suffolk or Virginia Beach? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Roanoke, VA?

More time spent behind the wheel can lead to higher Roanoke, Virginia car insurance rates. In Roanoke, VA, the average commute length is 22.8 minutes.

What is the traffic like in Roanoke, VA

Like commute length, time spent in traffic also increase risk of accidents. Roanoke, VA is listed as 434th in INRIX congested cities data.

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Car Insurance Quotes for Roanoke, VA

Shop for affordable Roanoke, Virginia car insurance rates today. Enter your ZIP code to compare quotes from multiple Roanoke, VA car insurance companies.

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