Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • Average car insurance rates in Roanoke, AL are $306/month
  • The cheapest car insurance company in Roanoke after a DUI is USAA
  • Average car insurance rates in Roanoke, AL for senior drivers are $1,951/year

Average car insurance rates in Roanoke, Alabama are $306 a month. But with a little research you can get a great deal from the top car insurance companies in Roanoke, AL. Before you buy Roanoke, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Roanoke car insurance rates with Hoover car insurance rates, Huntsville car insurance rates, or Birmingham car insurance rates to make sure you’re getting the best Roanoke, AL car insurance quotes available.

Need affordable Roanoke, AL car insurance? Enter your ZIP code to compare Roanoke car insurance quotes from multiple car insurance companies near you.

Roanoke, AL Minimum Car Insurance Coverage

Roanoke, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Roanoke, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Roanoke, AL Car Insurance Rates by Coverage Level

Some Roanoke drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Roanoke, Alabama car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Roanoke, Alabama

Insurance Company Low Medium High
Allstate $2,936 $3,036 $3,148
Farmers $4,139 $4,302 $4,613
GEICO $2,736 $2,929 $3,159
Liberty Mutual $5,032 $5,243 $5,528
Nationwide $2,607 $2,586 $2,642
Progressive $3,826 $4,160 $4,543
State Farm $4,416 $4,635 $4,872
Travelers $3,757 $4,024 $4,056
USAA $1,968 $2,030 $2,124

Roanoke, AL Car Insurance Rates by Age, Gender, and Marital Status

Roanoke, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Roanoke, AL car insurance, get quotes from multiple car insurance companies in the Roanoke area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Roanoke, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,850 $1,768 $1,670 $1,703 $6,327 $6,796 $2,078 $2,127
Farmers $2,548 $2,536 $2,283 $2,410 $9,410 $9,698 $2,895 $3,032
GEICO $2,128 $2,108 $1,997 $2,040 $5,489 $5,415 $2,246 $2,105
Liberty Mutual $3,096 $3,347 $2,538 $2,841 $11,120 $12,371 $3,304 $3,525
Nationwide $1,720 $1,745 $1,564 $1,624 $4,446 $5,755 $1,906 $2,136
Progressive $2,297 $2,176 $1,885 $1,991 $9,169 $10,272 $2,710 $2,912
State Farm $2,912 $2,912 $2,605 $2,605 $8,438 $10,600 $3,281 $3,772
Travelers $1,604 $1,630 $1,498 $1,495 $8,567 $13,496 $1,519 $1,753
USAA $1,277 $1,300 $1,192 $1,171 $3,758 $4,170 $1,661 $1,797

Roanoke, AL Car Insurance Rates for Teens

How much is Roanoke, Alabama car insurance for teens? Compare rates from top Roanoke car insurance companies below to help find the cheapest teen car insurance in Roanoke, AL.

Annual Car Insurance Rates for Teen Drivers in Roanoke, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,327 $6,796
Farmers $9,410 $9,698
GEICO $5,489 $5,415
Liberty Mutual $11,120 $12,371
Nationwide $4,446 $5,755
Progressive $9,169 $10,272
State Farm $8,438 $10,600
Travelers $8,567 $13,496
USAA $3,758 $4,170

Roanoke, AL Car Insurance Rates for Seniors

Before seniors buy Roanoke, Alabama car insurance, they should make sure to shop around. Some Roanoke, AL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Roanoke, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,670 $1,703
Farmers $2,283 $2,410
GEICO $1,997 $2,040
Liberty Mutual $2,538 $2,841
Nationwide $1,564 $1,624
Progressive $1,885 $1,991
State Farm $2,605 $2,605
Travelers $1,498 $1,495
USAA $1,192 $1,171

Roanoke, AL Car Insurance Rates by Credit History

How does your credit history affect Roanoke, AL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Roanoke, Alabama

Insurance Company Poor Fair Good
Allstate $3,760 $2,948 $2,411
Farmers $4,887 $4,192 $3,976
GEICO $3,742 $2,668 $2,413
Liberty Mutual $7,549 $4,623 $3,632
Nationwide $3,155 $2,458 $2,223
Progressive $4,735 $4,035 $3,760
State Farm $7,528 $3,808 $2,586
Travelers $4,303 $3,731 $3,802
USAA $2,745 $1,784 $1,593

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Roanoke, AL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Roanoke, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Roanoke.

Annual Roanoke, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,594 $3,050 $3,595 $2,921
Farmers $3,669 $4,724 $4,608 $4,404
GEICO $1,999 $3,186 $3,902 $2,678
Liberty Mutual $4,134 $5,745 $5,629 $5,563
Nationwide $2,283 $2,283 $3,331 $2,551
Progressive $3,787 $4,728 $4,034 $4,156
State Farm $4,215 $5,161 $4,593 $4,593
Travelers $3,287 $3,450 $5,041 $4,004
USAA $1,571 $1,968 $2,925 $1,699

Roanoke, AL Car Insurance Rates With a DUI

Even a single DUI can increase your Roanoke, AL car insurance rates. Compare rates below to see which Roanoke car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Roanoke, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,595
Farmers $4,608
GEICO $3,902
Liberty Mutual $5,629
Nationwide $3,331
Progressive $4,034
State Farm $4,593
Travelers $5,041
USAA $2,925

Roanoke, AL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Roanoke, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Roanoke companies based on commute time.

Annual Car Insurance Rates by Commute Length in Roanoke, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,040 $3,040
Farmers $4,352 $4,352
GEICO $2,886 $2,996
Liberty Mutual $5,268 $5,268
Nationwide $2,612 $2,612
Progressive $4,176 $4,176
State Farm $4,530 $4,751
Travelers $3,945 $3,945
USAA $1,947 $2,134

Roanoke, AL Cheapest Car Insurance Rates

How do the top Roanoke, Alabama car insurance companies’ average rates stack up against the Roanoke average monthly car insurance rates of $306? Take a look and see.

Best Annual Car Insurance Rates by Company in Roanoke, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Roanoke, AL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Roanoke, Alabama car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Roanoke, Alabama

Insurance Company Average Annual Rates
Allstate $3,040
Farmers $4,352
GEICO $2,941
Liberty Mutual $5,268
Nationwide $2,612
Progressive $4,176
State Farm $4,641
Travelers $3,945
USAA $2,041

Other Factors Affecting Roanoke, AL Car Insurance Rates

Before you buy Roanoke, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Roanoke, AL Car Theft Rates

The car theft rate in Roanoke, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Roanoke, Alabama is 9 stolen cars.

Roanoke, AL Commute Time

How does your Roanoke, AL commute time compare with the average driver? In Roanoke, the average commute is 21.8 minutes.

Roanoke, AL Traffic

Spending time in Roanoke traffic can lead to higher car insurance rates. According to INRIX data, Roanoke, AL ranks as the 434th-most congested with traffic in the world.

Roanoke, AL Car Insurance Quotes

Compare Roanoke, AL car insurance quotes from multiple companies by entering your ZIP code now.