Roanoke Car Insurance

How much does car insurance cost in Roanoke, VA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Roanoke?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Virginia has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Roanoke typically pay around $81.08 per month compared to the national average of $144.93 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $144.93
Virginia $98.77
Roanoke, Virginia $81.08

Roanoke, VA Best Car Insurance Companies

car insurance in Roanoke

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Clearcover generally has the most affordable car insurance in Roanoke coming in around $62.57 per month. Other companies to consider if you live in Roanoke is Utica National Ins Group with an average cost of $66.98 per month and USAA which typically runs around $72.32 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Roanoke.

RankCompanyAverage Monthly RateComparison State Average
1 Clearcover $62.57-36.65%
2 Utica National Ins Group $66.98-32.19%
3 USAA $72.32-26.78%
4 State Farm $73.48-25.60%
5 Mercury Insurance $77.22-21.81%
6 Penn National $81.58-17.40%
7 Erie $82.96-16.00%
8 Auto-Owners Insurance Co $87.49-11.42%
9 Virginia Farm Bureau $90.07-8.81%
10 ALFA $90.71-8.16%

How Much is Car Insurance in Roanoke, VA?

how much is auto insurance in Roanoke

Rates can vary from city to city. The residents of Alexandria typically pay $117.51 per month while people who live in Arlington will pay $106.44 per month on average. See what people pay for car insurance in other cities in Virginia.

Virginia CitiesMonthly Average Rate
Alexandria $117.51
Charlottesville $89.90
Chesapeake $103.44
Hampton $107.35
Lynchburg $85.03
Newport News $105.82
Norfolk $118.02
Richmond $110.11
Roanoke $81.52
Virginia Beach $106.07

Cheap Car Insurance in Roanoke by Zip Codes

find cheap auto insurance in Roanoke

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Virginia. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Roanoke, VA ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Roanoke

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $176.74 per month in Roanoke. Compare that to drivers in their 30’s who typically pay around $76.59 per month drivers in their 40s at $70.83 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Roanoke

If you are teen in Roanoke you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Utica National Ins Group typically charges around $70.36 per month. This is likely the most affordable option in Roanoke. You might also want to consider ALFA and USAA who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Utica National Ins Group$70.36
State Farm$167.42

Cheapest Insurance for 20 Year-olds in Roanoke

20 year-olds in Roanoke might want to consider Utica National Ins Group who, on average, offers car insurance rates around $77.55 per month. Clearcover , USAA , State Farm and Erie are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Utica National Ins Group$77.55
State Farm$109.05

Cheapest Insurance for 30 Year-olds in Roanoke

If you are in your 30s in Roanoke our research has found that Mercury Insurance typically has the most affordable coverage coming in around $57.53 per month, followed by Clearcover at $62.79 and USAA at $65.41.

CompanyAverage Monthly Rate
Mercury Insurance$57.53
State Farm$65.79
Penn National$72.77

Cheapest Insurance for 40 Year-olds in Roanoke

On average, USAA offers car insurance for 40 year-olds in Roanoke for around $59.93 per month. If you are looking for affordable coverage, you may also want to consider Mercury Insurance or Penn National. The full list of top companies is below.

CompanyAverage Monthly Rate
Mercury Insurance$62.76
Penn National$64.24
State Farm$64.44
Utica National Ins Group$66.76

Cheapest Insurance for 50 Year-olds in Roanoke

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Roanoke we found that Mercury Insurance generally offers the most affordable coverage at $44.46 per month.

CompanyAverage Monthly Rate
Mercury Insurance$44.46
Utica National Ins Group$54.51
State Farm$60.65

Cheapest Insurance for 60 Year-olds in Roanoke

If you live in Roanoke and you’re in your 60s, our data indicates that Mercury Insurance usually has the best rates at $50.26 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Mercury Insurance$50.26
Utica National Ins Group$55.32

Driver's Coverage Auto Insurance Rates in Roanoke, VA

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Roanoke, the average monthly rate for a driver who is currently insured is $75.31 while drivers who are not currently covered will pay around $89.91.

CoverageAverage Monthly Rate
Not Currently Insured $89.91
Currently Insured $75.31

Compare Recent Car Insurance Quotes in Roanoke

auto insurance quotes in Roanoke city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Roanoke a driver of a 1991 Toyota Camry can expect to pay around $33.10 per month while someone that owns a 2013 Hyundai Santa Fe may pay around $60.44 per month. Check out the list of recent quotes in Roanoke below.

VehicleAverage Monthly Rate
1991 Toyota Camry$33.10
2013 Hyundai Santa Fe$60.44
2020 Nissan Altima$194.58
2024 Chrysler Pacifica$177.37
2021 Jeep Compass$212.78
2022 Toyota Corolla$486.22

FAQ's for Drivers in Roanoke, VA

driver’s frequently asked question in Roanoke

What Is the Minimum Liability Coverage Requirement in Roanoke, VA?

Every state requires drivers to have a minimum amount of liability coverage. Virginia drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Maximum payment for serious injury or death to more than one person
  • $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Virginia drivers are not required to carry automobile insurance. Vehicle owners can instead opt to pay $500 to the Department of Motor Vehicles. Failure to insure your vehicle or pay this uninsured motor vehicle (UMV) fee is a Class 3 misdemeanor and is punishable by fines up to $500.

If you choose to insure your vehicle, Virginia requires at least $25,000 of bodily injury liability coverage per person and $50,000 of bodily injury coverage per accident. Additionally, you have to take out a minimum of $20,000 in property damage liability and carry uninsured motorist insurance in the same amounts as above.

What Is the Blood Alcohol Concentration (BAC) limit in Roanoke, VA?

It’s against the law to drive in Virginia at the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

You can be convicted of driving under the influence in Virginia even if the amount of alcohol in your blood has not caused obvious impairment. Moreover, you can be convicted if your BAC is at or above 0.08% or you’re impaired and just sitting in your vehicle with the key in the ignition. Your vehicle does not need to be moving and your ignition can be in the “off” position and you can still be found guilty.

What are the consequences of being convicted of a DUI?

Driving while under the influence of alcohol or drugs in Virginia is a big mistake. Potential penalties for a first offense DUI in Virginia include fines, jail time, court costs, driver’s license revocation, ignition interlock installation for restricted licenses, enrollment in the Virginia Alcohol Safety Action Program (ASAP), and DMV demerit points. High BACs or conviction of a DUI while transporting a minor result in mandatory jail time.

Check Out Other Rates in Roanoke, VA Nearby Cities:

Blacksburg, VA

Danville, VA

Lynchburg, VA


Commute Time in Roanoke, VA

20.8 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Roanoke, VA


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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