Car Insurance Costs for 25-Year-Old Drivers

Find Cheap Auto Insurance Quotes for 30-Year-Olds

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For a liability-only policy, the average cost of car insurance for a 30-year-old is $937 per year, or about $78 per month. The average cost for full coverage, which has higher liability limits and comprehensive and collision insurance, is $2,390 per year.

USAA offers the cheapest liability-only and full-coverage policies for a 30-year-old driver, based on an analysis of thousands of rates across nine of the most populous states. To ensure you get the best rate, compare quotes from different companies. Rates for 30-year-olds can vary by $1,039 per year.

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How much is car insurance for a 30-year-old?

Although the average cost of car insurance is $937 per year for minimum coverage, rates can vary greatly by company. The cheapest insurance for a minimum-coverage policy for a 30-year-old was offered by USAA for $430 per year.

This graph ranks car insurance quotes for 30-year-olds across companies.

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While USAA has the lowest rate, their policies are only available to current and former military members and their families. The second-cheapest option is Erie Insurance, which is only available in 13 states. The third cheapest is Auto-Owners insurance, which is available in 26 states.

At a rate of $712 per year, State Farm is the cheapest nationally available insurance company for a 30-year-old.

Average annual car insurance costs for a 30-year-old

Company
Average cost per year
USAA logo
USAA$430
Erie logo
Erie$451
Auto-Owners logo
Auto-Owners Insurance$649
State Farm logo
State Farm$712
American Family logo
American Family Insurance$811
Geico logo
Geico$819
Progressive logo
Progressive$924
Nationwide logo
Nationwide$1,004
Allstate logo
Allstate$1,390
Farmers logo
Farmers$1,469

Average car insurance rates by age

The average cost of car insurance for a 30-year-old depends on the policy. Here, you'll find the average cost nationwide for the following two policies:

A minimum-coverage policy costs an average of $937 per year for a 30-year-old. This only includes the required level of car insurance, which differs by state.

A full-coverage policy costs an average of $2,390 per year for a 30-year-old. It includes extra liability coverage and collision and comprehensive insurance.

After you turn 30, the effect of age on car insurance tends to flatten. A 25-year-old might pay less than half as much for a full-coverage policy than an 18-year-old would, but a 30-year-old might only pay around 25% less than a 25-year-old. And from your 30s to your 60s, the difference is much smaller.

Age
Average cost of full-coverage insurance
18$7,396
25$3,348
30$2,390
50$2,698
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The difference in car insurance rates between 30-year-old men and women is minor. The largest rate discrepancies occur when drivers are young. For example, insurance companies consider men in their teens and 20s to be high-risk drivers and sometimes charge them up to 10% more than women the same age.

Experience also has a significant effect on insurance cost. The rates for a new driver are four times more, on average, indicating how much insurance companies value not just age but also experience.

Company
Experienced driver
New driver
Difference
State Farm$732$1,726$994
Mercury Insurance$508$1,512$1,004
Progressive$526$1,659$1,133
Allstate$713$2,012$1,299
AAA$438$2,213$1,775
Geico$369$2,430$2,061
Farmers$741$4,184$3,443

The experienced driver is 30 years old and has had his license since age 16. The new driver is 30 years old and recently obtained his license. All other factors affecting rates were equal.

How to find the cheapest car insurance company for a 30-year-old

To find the cheapest car insurance, drivers of any age should compare quotes from multiple companies.

The recommendations above list some of the cheapest companies on average, but companies charge differently by driver in a variety of ways. The cheapest car insurance company for your neighbor could be expensive for you. And it's easier than ever to compare quotes online.

When comparing insurance quotes online, make sure you always select the same amount of coverage. If you aren't using identical (or similar) policies, you won't be making a fair comparison.

Companies also offer discounts, so you should make sure you're incorporating all available discounts into your quote.

For car insurance prices, age matters, but so does experience. If you're 30 and a new driver, you're going to pay much more than someone your age who has had their license since age 16.

Your car insurance rates will decrease as you gain experience. But in the meantime, there are ways to immediately lower your rates.

If you're looking for cheap car insurance, there are more steps you can take to get lower rates:

  • Bundle policies: If you have a homeowners or renters insurance policy, you could bundle your car insurance with the same company and get big savings. Discounts for a home and auto bundle could be as high as 10%.
  • Pay up front: If you pay your entire six-month or annual premium up front, you could get some minor savings.
  • Take advantage of available discounts: Be sure to ask companies what discountst you could qualify for. For example, almost all companies offer discounts for completing a defensive-driving class.

How to find the best car insurance company for customer service

Most interactions with your insurance company will occur when you make a claim. During this time, you'll want a company that's efficient and accessible — in other words, one with good customer service.

These are some of the top car insurance companies for customer service and value, which is a good starting point to get familiar with the best companies.

If you're looking to analyze insurance company customer service reputations on your own, check out the following resources:

  • J.D. Power's insurance satisfaction studies: This analytics company surveys policyholders every year on a variety of customer service factors.
  • National Association of Insurance Commissioners (NAIC): Their complaint index shows how often customers complain about a company (adjusted for size).

Methodology

Insurance quotes were analyzed from 51 insurance companies in all 50 states and the District of Columbia.

Quotes were for a 30-year-old with a minimum-coverage policy who drives a 2015 Honda Civic EX and has a clean driving record. Full-coverage policies had the following limits and deductibles:

Coverage type
Study limits
Bodily injury liability$50,000 per person and $100,000 per accident
Property damage$25,000 per accident
Uninsured and underinsured motorist bodily injury$50,000 per person and $100,000 per accident
Comprehensive and collision$500 deductible
Personal injury protection (PIP)Minimum required by state

Insurance rate data was collected from Quadrant Information Services to calculate average rates for 30-year-olds. The rates used were publicly sourced from company filings and should only be used for comparative purposes. Your actual quotes may differ.

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.