Cheapest Car Insurance Quotes in Roanoke

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Roanoke Car Insurance

^$ 36

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Roanoke

The car insurance rate in Roanoke is $1555 for a six-month policy, which is $135 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $448, making it a popular choice for budget-conscious drivers. Rates in Roanoke can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Roanoke

$1555

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Roanoke

1st place: Louisiana Farm Bureau

At $448 for a six month policy, Louisiana Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Southern Farm Bureau

Southern Farm Bureau offers auto insurance rates at $1017 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1350 for six months, making it the third cheapest auto insurance company in Roanoke.

Roanoke Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Roanoke, LA is Louisiana Farm Bureau, offering policies at just $448 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1017.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2180 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Roanoke drivers find the best deals.

Cheap Car Insurance Companies in Roanoke, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$448	$76
Southern Farm Bureau	$1017	$169
USAA	$1350	$227
Progressive	$1519	$256
Farm Bureau	$1585	$267
State Farm	$1673	$282
Safeway	$1710	$288
SafeAuto	$1738	$290
Encompass	$1777	$302
Allstate	$2115	$356
AAA	$2180	$371

Key Takeaways

Way's key takeaways about car insurance in Roanoke

The auto insurance costs in Roanoke fall around $448 for six months.
The cheapest auto insurance company in Roanoke is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Roanoke at $1101 per month.

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Cheapest Minimum Liability Car Insurance in Roanoke

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Roanoke are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Roanoke. Their Average 6 Month Premium is $213. Safeway is the most expensive at $667 for the same period.

Cheapest Liability Coverage in Roanoke, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$213	$36
Southern Farm Bureau	$355	$61
USAA	$448	$75
Progressive	$459	$77
State Farm	$481	$81
Farm Bureau	$552	$93
AAA	$569	$95
Allstate	$574	$97
SafeAuto	$623	$104
Safeway	$667	$112

Cheapest Full Coverage Car Insurance in Roanoke

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Roanoke is Louisiana Farm Bureau at $76 per month and $448 for six months.

Cheapest Full Coverage Car Insurance Quotes in Roanoke, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$448	$76
Southern Farm Bureau	$1017	$169
USAA	$1350	$227
Progressive	$1519	$256
Farm Bureau	$1585	$267
State Farm	$1673	$282
Safeway	$1710	$288
SafeAuto	$1738	$290
Encompass	$1777	$302
Allstate	$2115	$356
AAA	$2180	$371

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Average Car Insurance in Roanoke by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Roanoke, LA increasing?

Despite maintaining a clean driving record, your car insurance rates in Roanoke, Louisiana, may be increasing due to several external factors. Louisiana has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Roanoke's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Roanoke

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$918
30s	USAA	$745
40s	USAA	$686
50s	USAA	$656
60s	USAA	$700
70s	USAA	$718

Cheapest Car Insurance Rates for Teen Drivers in Roanoke,LA

If you are planning to get a car insurance policy for your teenage dependent, Louisiana Farm Bureau provides the cheapest car insurance in the Roanoke at $58 per month. At $6476 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$350	$58
State Farm	$2662	$448
USAA	$2842	$474
Safeway	$4344	$739
Allstate	$4831	$805
Progressive	$5017	$845
Farm Bureau	$5684	$948
AAA	$6476	$1101

Teen Car Insurance Rates in LA by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Roanoke.

As young drivers face the highest rates in Roanoke, USAA offers the cheapest auto insurance rates at $918 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Roanoke, Louisiana Farm Bureau is the cheapest car insurance provider. At $383 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Roanoke is State Farm, offering rates of around $8515 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$383	$65
Allstate	$1628	$271
Progressive	$1825	$307
USAA	$1853	$309
Safeway	$1858	$316
Farm Bureau	$3525	$588
AAA	$6186	$1052
State Farm	$8515	$1419

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Car Insurance Rates with An Accident in Roanoke

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Roanoke, LA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Roanoke

The cheapest car insurance companies after an at-fault accident in Roanoke include Louisiana Farm Bureau and State Farm, offering $279 and $1093, respectively. AAA is an expensive provider with an average six-month premium of $3492.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$279	$46
State Farm	$1093	$184
USAA	$1230	$207
Progressive	$1350	$227
Safeway	$1574	$265
Farm Bureau	$1705	$290
Allstate	$1732	$292
AAA	$3492	$593

Roanoke Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Roanoke LA. For example, the car insurance in Roanoke after a DUI increases to $1301 for a six month policy. While the rate increases by $377 for a six-month policy in the case of a speeding ticket.

Roanoke auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1508	$251
One Med/PIP claim	$1508	$257
Two Med/PIP claims	$1524	$254
Not-at-fault accident	$1530	$260
One comp claim	$1535	$256
Two comp claims	$1591	$270
Failure to wear a seat belt	$1777	$296
Failure to show documents	$1798	$305
Child safety restraint	$1825	$305
Driving without lights	$1825	$310
Driving with expired registration	$1858	$310
Driving too slowly	$1885	$320
Speeding 11 - 15 MPH over limit	$1885	$315
Speeding 16 - 20 MPH over limit	$1885	$320
Speeding 6 - 10 MPH over limit	$1885	$315
Speeding in school zone	$1885	$320
In 65 MPH zone	$1891	$316
Cell phone violation	$1907	$324
Texting while driving	$1907	$318
Wrong way/wrong lane	$1907	$324
At-fault accident - less than $1000	$1918	$319
Failure to stop at a red light	$1918	$327
Failure to yield	$1918	$319
Following too closely	$1918	$327
Illegal turn	$1918	$319
Improper passing	$1918	$327
Passing school bus	$1935	$322
Speeding 21 - 25 MPH over limit	$1935	$329
Open container	$1989	$331
Operating a vehicle without permission	$2126	$362
At-fault accident - $1000-$2000	$2180	$363
At-fault accident - greater than $2000	$2180	$371
Reckless driving	$2634	$439
Refusal to submit to a chemical test	$2678	$455
DUI	$2809	$468
Racing	$2831	$481
Leaving scene of an accident/hit and run	$2853	$476
Driving with a suspended license	$2864	$487

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Roanoke after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Roanoke.

The cheapest car insurance premiums in Roanoke are offered by Louisiana Farm Bureau at $306 for a six-month policy. However, it can be as expensive as $3230 with companies like AAA.

Roanoke car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$306	$51
Southern Farm Bureau	$1262	$214
Progressive	$1541	$259
Farm Bureau	$1705	$290
USAA	$2082	$351
Safeway	$2153	$362
State Farm	$2399	$404
Allstate	$2634	$443
AAA	$3230	$538

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Roanoke are offered by Louisiana Farm Bureau at $251. However, it can be as expensive as $3033 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Roanoke after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$251	$42
State Farm	$1126	$190
Progressive	$1361	$229
USAA	$1476	$251
Farm Bureau	$1705	$284
Safeway	$1896	$322
Allstate	$2121	$353
AAA	$3033	$516

Car Insurance Price Trends in Roanoke, Louisiana

Car insurance rates in Roanoke have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Roanoke rose by $342 in January compared to $280 of December. In other words, there has been an increase by $62 when you compare January and December.

The average cost of liability insurance in the Roanoke rose to $82 in January, compared to $78 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Roanoke?

The car insurance in Roanoke is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Roanoke?

The cheapest car insurance in Roanoke is $76 per month for full coverage.

How much is car insurance in Roanoke for teenagers?

Car insurance for teenagers costs $350 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Roanoke?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $261 per month to insure your car in Roanoke.

Is car insurance expensive in Roanoke?

Car insurance can be expensive in Roanoke if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Roanoke can be affordable.

What is the best car insurance in Roanoke, LA?

The best car insurance company in Roanoke LA is Louisiana Farm Bureau, offering $448 for a six-month policy.