Roanoke, AL Car Insurance

The average monthly cost for car insurance in Roanoke is about $43. Read our guide below to learn more about your specific rates.
What should residents of Roanoke expect to pay for their car insurance? How do rates in Roanoke measure up compared to neighboring areas, including Alabama as a whole? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Roanoke?

Area Average Monthly Car Insurance Premium
Roanoke$43
AL$53
United States$81

Based on the chart above, you can see that it's about $10 a month cheaper to insure your vehicle in Roanoke than it is in the rest of Alabama.

Likewise, the expected monthly payments for an auto insurance policy in Roanoke are below the national average. You can expect to pay about $38 less for your policy in Roanoke than in the rest of United States.

While these numbers represent the average monthly payments for coverage in Roanoke, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.

Don't sweat it however, we've broken down average rates for Roanoke residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$66
25-34$43
35-44$44
45-54Not Enough Data
55-64$40
65+$42

Generally, the older you are, the more experienced you are on the roads. That experience can really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement age your rates may climb back up in Roanoke.

Average Car Insurance Rates by Gender

Gender Average
Male$41
Female$44

In general, female drivers pay less for car insurance than their male counterparts. In Roanoke, however, men actually pay slightly less than female drivers for car insurance coverage.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$54
Multiple AccidentsNot Enough Data
1 Ticket$44
Multiple Tickets$38

Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Roanoke with a single accident will pay around $54 a month. Similarly, drivers with one ticket will typically pay around $44 on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$24
4-5 Years$32
6-7 Years$28
8-10 Years$45
11-14 Years$45
15 Years or Older$43

If you look at the first table above, the cheapest vehicles to insure in Roanoke are by and large SUVs, at $40 per month.

Truck and van drivers will see rates of about $47, while the rates for car owners average out to about $43 per month.

You may also see different rates based on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is a few years old. In Roanoke, vehicles eleven-to-fourteen years old and eight-to-ten years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$44
Married$38
Divorced$45
Widowed$38

More often than not, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

According to the table above, the difference in rates based on relationship status in Roanoke can be as much as $6 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$38
Rent$47
Live with parents$36

Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $9 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.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Roanoke, AL

Recent trends in car insurance for Roanoke drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

The rates for car insurance in Roanoke had been decreasing from 2017-2018, when they hit a low of $30. This leveled out in 2019, when they began to rise again. Policy premiums finished up in 2022, at $57 a month

How does Roanoke compare to neighboring areas?

Why are car insurance rates in Roanoke different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. The specifics of your home address will have an impact on your personal policy. This might include things like:

  • Road safety
  • Area laws
  • Crime rates
  • Off-street parking availability
  • Total drivers

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

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 by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Don't worry, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer coverage in Roanoke.

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Roanoke Insurance FAQs

What factors affect car insurance quotes in Roanoke?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, marital status, and address.

Why is the cost of car insurance in Roanoke different from other neighboring cities?

Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Roanoke or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes