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How much is car insurance in Roanoke?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Roanoke is about $11 cheaper than it is in the rest of Alabama.
Compared to the national average cost of auto insurance coverage, Roanoke has lower rates. On average, it's about $39 less to insure your vehicle in Roanoke than it is in the rest of the U.S.
Bear in mind that while these rates are the average costs for residents of Roanoke, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
We've done the heavy lifting for you and broken down the average rate for Roanoke so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay $31 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement, however, you may see your rates begin to increase again in Roanoke.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. While male drivers actually pay a little bit less than female drivers on their monthly insurance rates, the difference in Roanoke is only about $1 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
|1 Ticket||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Those with clean records can expect to pay less than those with infractions. In Roanoke, having a single accident on your record will usually get you rates around $57 a month.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$40|
The most affordable vehicles to insure in Roanoke are usually SUVs, which run about $38 per month.
Truck and van drivers will see rates of about $43 to insure their vehicle, while SUV owners by and large pay around $38 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is around 5 years old, you may start to see your monthly premium decrease. In Roanoke, vehicles eight-to-ten years old and eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$42|
More often than not, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
In Roanoke, the difference in rates based on relationship status can be as much as $4 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$36|
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $8 a month more than if you own your own home in Roanoke. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Roanoke, AL
Recent trends in car insurance for Roanoke drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
In Roanoke, auto insurance rates had been increasing from 2016-2017 -- where they reached a high of $48 -- before leveling out in 2018. Car insurance rates went up again in 2019, and finished down at $31 in 2021.
How does Roanoke compare to neighboring areas?
Why are car insurance rates in Roanoke different from other areas?
There are a lot of factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Regional laws
- Road Safety (frequency of car accidents)
- Total number of drivers in the community
- Off-street parking availability
- Crime rates
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Roanoke?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer policies in Roanoke.
Roanoke Insurance FAQs
What factors affect car insurance quotes in Roanoke?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Roanoke different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Roanoke?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Roanoke?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Roanoke or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?