Cheapest Car Insurance In Roanoke, VA 2025
Auto-Owners is the top pick for cheap basic coverage in Roanoke, averaging $31 each month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Prices for car insurance in Roanoke, VA differ greatly, so shopping around for the best deal is key.
Looking for the lowest price on liability insurance? Auto-Owners leads the way. State Farm is best for full coverage, while Utica gives young drivers the most affordable option.
Cheapest Car Insurance Companies In Roanoke, VA 2025
Cheapest Liability-only Car Insurance In Roanoke: Auto-Owners
In Roanoke, the least expensive minimum car insurance is offered by Auto-Owners, costing around $31 per month.
The table below lets you compare prices from several insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $31 | $372 |
| GEICO | $42 | $504 |
| State Farm | $33 | $396 |
| Chubb | $45 | $540 |
| Nationwide | $52 | $624 |
Cheapest Full Coverage Insurance Rates In Roanoke: State Farm
State Farm provides the best deal for full coverage car insurance in Roanoke, with quotes averaging $57 per month.
The table below breaks down average car insurance prices from affordable providers in Roanoke.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $57 | $684 |
| Clearcover | $94 | $1,128 |
| GEICO | $76 | $912 |
| Chubb | $84 | $1,008 |
| Allstate | $119 | $1,428 |
Cheapest Car Insurance Rates For Seniors: Utica National
For senior drivers in Roanoke, Utica National offers the best rates at an average of $56 monthly.
The table below outlines average quotes from the least expensive auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Utica National | $56 | $672 |
| State Farm | $65 | $780 |
| Penn National | $71 | $852 |
| Mercury | $73 | $876 |
| USAA | $66 | $792 |
Cheapest Rates In Roanoke For Teenagers: Utica National
In Roanoke, teenage drivers get the best rates from Utica National, averaging $78 each month.
Compare the cheapest teen insurance rates from various companies in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Utica National | $78 | $936 |
| State Farm | $158 | $1,896 |
| USAA | $152 | $1,824 |
| ALFA | $147 | $1,764 |
| Chubb | $148 | $1,776 |
Cheapest Auto Insurance For Young Adults in Roanoke: Utica National
Utica National leads in affordable car insurance for young adults in Roanoke, with average monthly costs of $77.
The table below lists the most affordable car insurance rates for young adults in Roanoke for easy comparison.
| Provider | Average Monthly Cost | Average Annual Cost |
| Utica National | $77 | $924 |
| Clearcover | $79 | $948 |
| USAA | $118 | $1,416 |
| Erie | $136 | $1,632 |
| State Farm | $116 | $1,392 |
Cheapest Car Insurance In Roanoke For Good Drivers: Auto-Owners
Good drivers in Roanoke can save money with Auto-Owners, paying about $31 per month for car insurance.
Safe drivers can compare average quotes from the cheapest insurers using the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $31 | $372 |
| GEICO | $42 | $504 |
| State Farm | $33 | $396 |
| Chubb | $45 | $540 |
| Nationwide | $52 | $624 |
Find affordable Roanoke rates
Cheapest Car Insurance In Roanoke After A Speeding Ticket: Auto-Owners
Auto-Owners is a budget-friendly choice in Roanoke for drivers with speeding tickets, with average monthly rates of $38.
Use the table below to compare average insurance costs for drivers with speeding tickets.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $38 | $456 |
| State Farm | $39 | $468 |
| Nationwide | $65 | $780 |
| USAA | $50 | $600 |
| Direct Auto | $101 | $1,212 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
Among drivers with at-fault records, Auto-Owners provides the lowest average rate at $39 per month.
These providers offer the cheapest insurance options for drivers who have caused an accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $39 | $468 |
| State Farm | $40 | $480 |
| Mercury | $92 | $1,104 |
| Clearcover | $74 | $888 |
| GEICO | $52 | $624 |
Cheapest Rates In Roanoke For Drivers After A DUI: Auto-Owners
With an average monthly cost of $47, Auto-Owners offers the lowest car insurance rates in Roanoke after a DUI.
Check out the table below to see which companies offer the best rates after a DUI in Roanoke.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $47 | $564 |
| State Farm | $49 | $588 |
| USAA | $64 | $768 |
| Chubb | $70 | $840 |
| GEICO | $66 | $792 |
Best Car Insurance Companies In Roanoke
If you live in Roanoke, Auto-Owners offers the lowest insurance rate at $31/month. State Farm and GEICO are also good deals at $33 and $42.
The following list highlights the 10 best car insurers in Roanoke, VA, ranked by affordability.
| Company | Monthly Premium |
| Auto-Owners | $31 |
| GEICO | $42 |
| State Farm | $33 |
| Chubb | $45 |
| Nationwide | $52 |
| Erie | $48 |
| Mercury | $67 |
| Direct Auto | $84 |
| Travelers | $86 |
| Safeco | $106 |
Average Rates In Roanoke – By Age
Younger drivers usually face steeper insurance costs. With their limited driving history, teens often pay around $2,673 annually.
Car insurance rates tend to go down at 25, as long as the driver hasn’t had any traffic violations.
Insurers offer better rates to drivers in their 50s and early 60s, based on the idea that they have more experience and fewer risks.
| Age | Average Yearly Rate |
| Teenagers | $2,673 |
| 20s | $1,883 |
| 30s | $1,073 |
| 40s | $1,004 |
| 50s | $957 |
| 60s | $813 |
| 70s | $1,008 |
Average Rates In Roanoke – By Vehicle
The type of car you drive influences your insurance rate. New and luxury cars, which are more expensive to fix or replace, often mean higher premiums.
Use the table below to view typical insurance costs in Roanoke for different vehicles.
| Vehicle | Average Monthly Rate |
| Hyundai Sonata | $101 |
| Toyota Prius | $117 |
| Chevrolet Sebring | $50 |
| Volkswagen Passat | $156 |
| Toyota Sienna | $96 |
How Much Is Car Insurance In Other Cities in Virginia?
Insurance costs often rise in cities because the risk of accidents, theft, and vandalism is greater, and your location is a major factor in rate calculations.
Fairfax drivers face average insurance costs of $140 per month, while Charlottesville residents pay approximately $107.
| City | Average Monthly Rate |
| Fairfax | $140 |
| Henrico | $130 |
| Chesapeake | $123 |
| Hampton | $126 |
| Charlottesville | $107 |
| Henrico | $130 |
| Arlington | $126 |
| Hampton | $125 |
| Alexandria | $139 |
| Fredericksburg | $124 |
Average Cost Of Auto Insurance In Roanoke – By Zip Code
Your zip code is important for insurance companies because it shows the level of crime in your neighborhood, affecting your rates.
The table below breaks down average insurance prices for Roanoke zip codes.
| City | Average Monthly Rate |
| 24016 | $99 |
| 24017 | $114 |
| 24014 | $105 |
| 24012 | $90 |
| 24019 | $84 |
Find affordable Roanoke rates
Our Methodology
After reviewing customer ratings, pricing, coverage choices, and feedback from various online sites, I developed an in-depth look at Roanoke, VA’s car insurance providers.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Roanoke?
Drivers in Roanoke can save on minimum coverage with Auto-Owners and find the best deals on full coverage, including comprehensive and collision, with State Farm.
What is the average cost of car insurance in Roanoke?
In Roanoke, average car insurance premiums are around $100 per month, but rates will vary based on your zip code, car, and driving record.
