The Best Car Insurance Companies in Roanoke, VA

Finding the right car insurance provider is key to getting the best coverage at an affordable rate in Roanoke. With many insurers to choose from, it helps to compare quotes from the top auto insurance companies.

Below we review the top insurers providing competitive car insurance rates to drivers in Roanoke, VA and the surrounding area.

Our Top Picks for Roanoke Car Insurance

Based on affordability, customer service, coverage options and financial strength, here are our recommendations for the best auto insurance providers in Roanoke:

• State Farm – Our top choice, State Farm offers excellent rates plus award-winning service and a strong regional presence.

• Geico – Geico is known for low cost car insurance with easy online quotes and claims. Great option for minimum required coverage.

• USAA – For military families, USAA provides affordable premiums and top-notch member support.

• Erie Insurance – Erie is a smaller insurer with very competitive rates in Roanoke and great customer satisfaction.

• Allstate – Allstate is a household name with a variety of discounts and coverage add-ons available.

To find the cheapest Roanoke car insurance for your situation, we recommend comparing personalized quotes from these leading insurers. Rates can vary widely based on your driving record, vehicle, coverage needs and other factors.

What Impacts Car Insurance Costs in Roanoke?

Car insurance rates in Roanoke are influenced by these main factors:

• Driving history – Tickets, accidents, DUIs substantially increase your rates. A clean record saves you money.

• Age – Teen and elderly drivers pay more on average. Middle-aged drivers get the best rates.

• Credit – Insurers check your credit as one indicator of responsibility. Poor credit leads to higher premiums.

• Location – Urban areas like Roanoke tend to have higher premiums than rural zip codes.

• Mileage – The more you drive, the greater your risk. Higher annual mileage raises rates.

• Car type – Insuring a sports car or luxury vehicle costs more than an economy sedan.

Bundling home or life insurance from the same provider can also earn a multi-policy discount of up to 15-20% in some cases.

What Virginia Car Insurance is Required?

Virginia law requires all drivers carry this minimum auto liability coverage:

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $20,000 property damage

However, experts recommend 100/300/100 limits or higher for adequate protection.

Uninsured motorist bodily injury and underinsured motorist bodily injury coverage are also required in Virginia unless rejected in writing.

Collision and comprehensive are optional but recommended coverages. They pay to repair or replace your vehicle after an accident.

Top Car Insurance Companies in Roanoke, VA Reviews

State Farm

Our top pick for Roanoke, State Farm offers unbeatable local service with almost 20,000 agents nationwide. Policyholders report excellent claims experiences backed by strong financial ratings.

State Farm offers all standard types of car insurance as well as custom add-on options to build the right protection for your vehicle. Bundling discounts are available when you insure multiple policies.

Highly rated mobile apps and online account access make managing your State Farm policy convenient. If an agent’s personal touch is important to you, it’s hard to beat State Farm’s neighborhood presence and expertise.

Geico

Known for those amusing gecko commercials, Geico is one of the largest auto insurers in America and a top choice for minimum required coverage.

Geico offers basic liability policies starting under $30 per month plus low down payments and budget monthly premium options. They also have complete coverage available with options like roadside assistance and rental reimbursement.

Because everything is handled online or over the phone, Geico’s rates are ultra-competitive. You’ll have to file claims and manage your policy without an agent, but Geico’s website and award-winning mobile app make it easy. Overall, great bang for your buck from this insurance giant.

USAA

USAA provides exceptional rates and service exclusiely for military members and their families. If you have a military affiliation, USAA is a top choice for car insurance in Roanoke.

Not only are USAA’s premiums very affordable, they offer the most comprehensive coverage options tailored for military life. Overseas deployment, garaging vehicles on base, and storing a car are just some situations USAA covers.

Their first-class customer service and smooth claims process are designed specifically for military members. USAA consistently earns 5-star ratings for member support.

Erie Insurance

Regional insurer Erie sells low-cost car insurance across Virginia through local agents. They offer personalized packages of auto insurance tailored to your needs.

Erie earns high marks for customer satisfaction thanks to knowledgeable agents and efficient claims service. They offer standard coverages like collision and uninsured motorist as well as rideshare coverage and accessories protection.

Erie also provides homeowners, business, life and pet insurance. Bundling policies together can help save you money. Be sure to get an Erie Insurance quote when shopping for a new car insurance policy.

Allstate

With affordable rates and helpful agents, Allstate is a solid choice for Roanoke drivers wanting a personalized touch. They sell car insurance online, over the phone, or through local agency offices.

Allstate offers standard coverages along with accident forgiveness, new car replacement, and rideshare insurance. Their Drivewise program can help detect risky driving behaviors and earn you a discount for safe habits.

Strong mobile apps and online policy management make life easier. Allstate routinely ranks well for customer satisfaction and claims handling. Local agents are on hand to help customize your protection.

How to Find Cheap Roanoke Car Insurance Quotes

Here are a few tips for finding the most affordable auto insurance in Roanoke to fit your budget:

• Compare quotes from at least 3 top insurers to find the lowest rate.

• Ask about all available discounts you qualify for to lower your premium.

• Consider increasing your deductible to reduce the monthly cost.

• Drop collision and comprehensive coverage on older cars worth less than $3,000.

• Take a defensive driving course for lower rates.

• Maintain good credit and a clean driving record.

• Drive fewer annual miles if possible.

Shopping around for the cheapest car insurance in Roanoke takes a bit of work upfront but can save you hundreds per year. Rates will continue to vary over time, so check for savings at each renewal.

The Best for Military Car Insurance in Roanoke

For active duty or retired military members and their families stationed in the Roanoke area, USAA is hands-down the top choice for affordable rates and excellent service.

They offer special coverage options tailored for military life as well as world-class member support. USAA routinely earns 5-star ratings for claims, customer service, and overall satisfaction from its members.

No other insurer can match their combination of affordable premiums and top-notch service specifically designed for military members. USAA is a fantastic option for service members needing car insurance in Roanoke.

Find the Best Car Insurance Rates in Roanoke

As this overview illustrates, Roanoke drivers have access to many top-notch insurers for coverage. To find your cheapest rates, be sure to compare free quotes online or work with a local independent insurance agent.

Focus on finding the right balance of protection and premiums to fit your budget and peace of mind. With a little shopping around, you can gain the security of proper car insurance without overpaying.