Car Insurance Rates for 30-Year-Olds
On average, 30-year-olds pay $203 per month for full coverage and $146 per month for minimum coverage car insurance.
State Farm has the cheapest full and minimum coverage rates for 30-year-olds.
Minimum coverage is much cheaper than full coverage but doesn't include coverage for damage to your car. If you can afford more coverage, it's usually a good choice to go with full coverage.
Find Cheap 30-Year-Old Auto Insurance Quotes
How much is car insurance for a 30-year-old?
The average rate for a 30-year-old is $203 per month for full coverage car insurance.
Minimum coverage costs $146 per month, on average, for a 30-year-old. State Farm has the cheapest full and minimum coverage rates for most people. If you're affiliated with the military, you might be able to get even cheaper rates with USAA.
Full coverage
Minimum coverage
Full coverage
Minimum coverage
Find Cheap 30-Year-Old Auto Insurance Quotes
Car insurance rates can vary by dozens or even hundreds of dollars per month depending on the company you choose. For example, full coverage from State Farm is $58 cheaper each month, on average, compared to Geico. Even though the coverage is the same, State Farm could save you an average of about $700 per year.
Cheap car insurance companies for 30-year-olds
Full coverage
Minimum coverage
Company | Editor's rating | Monthly rate | |
|---|---|---|---|
| State Farm | $142 | |
| Travelers | $174 | |
| Progressive | $178 | |
| Geico | $200 | |
| Allstate | $313 | |
*USAA is only available to military members, veterans and their families.
Full coverage
Company | Editor's rating | Monthly rate | |
|---|---|---|---|
|
| State Farm | $142 | |
|
| Travelers | $174 | |
|
| Progressive | $178 | |
|
| Geico | $200 | |
|
| Allstate | $313 | |
*USAA is only available to military members, veterans and their families.
Minimum coverage
Company | Editor's rating | Monthly rate | |
|---|---|---|---|
|
| State Farm | $61 | |
|
| Progressive | $69 | |
|
| Travelers | $84 | |
|
| Geico | $85 | |
| Farmers | $134 | |
*USAA is only available to military members, veterans and their families.
How much is car insurance for a 30-year-old compared to other ages?
Full coverage car insurance at age 30 costs $329 per month less than the same coverage at age 18.
Car insurance rates drop as you get older, as long as you haven't filed any claims or had tickets. The longer you've had your license, the more experience you have on the road. That makes you less likely to get into accidents, so insurance companies charge you less.
Cheap car insurance for new drivers at 30
If you get your license at 30 instead of when you're younger, you'll pay an average of 52% more for full coverage. That's because, even though you're older, you still don't have much driving experience. But you'll pay less than a teenager, no matter how long they've been licensed.
How much is car insurance for a 30-year-old male vs. female?
By age 30, men and women pay the same amount for car insurance.
At younger ages, men usually pay more than women. That's because younger men are more likely to engage in risky driving behaviors, like speeding and drunken driving, than women.
But by age 30, men don't pay any more for car insurance than women. The gap in rates stays narrow until drivers are in their 70s, when men start to pay more for coverage again.
Age | Male monthly rate | Female monthly rate | Difference |
|---|---|---|---|
| 16 | $742 | $685 | 8% |
| 18 | $556 | $507 | 10% |
| 25 | $223 | $219 | 2% |
| 30 | $203 | $203 | 0% |
Average monthly full coverage rate.
In seven states, car insurance companies are banned by law from using your gender to set car insurance rates. That means, as long as everything else is the same, men and women should pay the same amount for coverage.
- California
- Hawaii
- Massachusetts
- Michigan
- Montana
- North Carolina
- Pennsylvania
Best car insurance companies for 30-year-olds by state
Where you live changes how much you'll pay for car insurance.
That's because the cost for vehicle repairs is higher in some areas, and so is the risk of getting into an accident. In Texas, for example, a 30-year-old pays $233 per month, on average, for full coverage. But in Pennsylvania, the average rate for the same coverage is $175 per month.
- Illinois: $187
- New York: $216
- Pennsylvania: $175
- Texas: $233
Find the Cheapest Insurers for Young Drivers in Your State
How to find the cheapest car insurance for a 30-year-old
The best way to get cheap car insurance is to shop around and compare quotes from different companies.
Car insurance companies all charge different rates, so shopping around can help you get the coverage you need at the best price.
You might also get a lower rate by:
- Driving safely. Safe driving won't likely reduce your rate immediately, but it can help keep your rates from increasing over time. Your rate goes up when you get tickets or cause accidents. Safe driving helps you avoid these jumps in price. Some companies even have discounts if you go through a safe-driver program.
- Bundling policies. Bundling your car and home or renters insurance is one of the best ways to save money on both insurance policies. Bundling just means buying both plans from the same company, and it's usually one of the best discounts you can get.
- Adding discounts. In addition to bundling, most car insurance companies have discounts that can help you get a cheaper rate. You might save by paying your six-month or annual rate in full, going paperless or not driving often.
Frequently asked questions
How much is car insurance for a 30-year-old?
Full coverage car insurance costs $203 per month, on average, for a 30-year-old. Minimum coverage costs $146 per month, on average. Your rate depends on where you live, the car you drive, your driving history and more.
Does car insurance get cheaper at 30?
Car insurance is cheaper at 30 than it is at younger ages. Teen drivers pay the highest rates, and rates go down as you get older and get more experience on the road. But if you get tickets or cause accidents, your rate will go up.
What is the cheapest car insurance for a 30-year-old?
State Farm has the cheapest average rates for 30-year-olds, at $142 per month for full coverage and $61 per month for minimum coverage. USAA is often cheaper, but you can only get it if you're a veteran, military member or qualifying family member.
Methodology
ValuePenguin calculated the average car insurance rates for 30-year-olds by getting quotes from seven of the largest car insurance companies in four of the most populated states in the U.S. Not all the companies were available in every state.
Average rates are for 30-year-old men and women who own a 2015 Honda Civic EX, have good credit and have no accidents or tickets. Minimum coverage rates represent only the state-required car insurance coverage.
Full coverage rates are for higher liability limits, as well as comprehensive and collision coverage:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Personal injury protection (PIP): Minimum, when required by state
- Medical payments: $5,000
- Comprehensive and collision deductible: $500 deductible
All rates are from Quadrant Information Services data, which uses publicly available insurance company filings. The rates shown here are for comparison purposes only. Your rates will likely be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.