How to Find The Best and Cheapest Car Insurance in Your 30s

Find Cheap 30-Year-Old Auto Insurance Quotes

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For a policy only meeting the minimum requirements of state law, the average cost of car insurance for a 30-year-old is $937 per year or about $78 per month.

The average cost of car insurance for a full-coverage policy — which has higher liability limits and comprehensive and collision insurance — is $2,390 per year.

But car insurance prices aren't just dependent on how much coverage you buy. They also depend on a variety of factors such as driving history and location. Read our analysis to see how rates can change for drivers in their 30s based on your driver profile.

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

Although the average cost of car insurance is $937 per year for minimum coverage, the rates charged by insurers can vary greatly. The same driver may be able to save hundreds — or even thousands — of dollars per year getting similar coverage with another insurer.

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

Find Cheap 30-Year-Old Auto Insurance Quotes

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On average, the cheapest insurance companies for 30-year-olds are:

  • USAA: This insurer is only available to current and former military members and their families. But if you can join, it's extremely affordable. Auto insurance cost our sample driver $430 per year.
  • State Farm is the biggest name available to most drivers. It cost our driver an average of $712 per year.
  • Erie and Auto-Owners Insurance are two alternative options. Although these insurers aren't available in every state, our sample driver was quoted policies at an average price of $451 and $649, respectively.

Below is our full list of average car insurance rates for 30-year-olds, from cheapest to most expensive. The sample was limited to major insurers operating in at least 10 states.

CompanyAverage annual premium
USAA$430
Erie$451
Auto-Owners Insurance Co.$649
State Farm$712
American Family$811
GEICO$819
Progressive$924
Nationwide$1,004
Allstate$1,390
Farmers$1,469

Average car insurance rates by age

The average cost of car insurance for a 30-year-old depends on the policy you buy, but below, we've provided the nationwide average cost based on two policies described in our methodology.

A minimum-coverage policy costs an average of $937 per year. This type of policy only includes the mandated level of car insurance, which differs in each state.

A full-coverage policy costs an average of $2,390 per year. This policy includes extra liability coverage and collision and comprehensive insurance.

After you turn 30, the effect of age on car insurance tends to flatten. Whereas a 25-year-old might pay less than half as much for a full-coverage policy than an 18-year-old would, a 30-year-old might only get a 25% discount compared to a 25-year-old. And from your 30s to your 60s, the change in the cost of car insurance is practically irrelevant.

AgeAverage cost of full-coverage insurance
18$7,179
25$3,207
30$2,390

The difference in car insurance rates between 30-year-old males and females is minor. The largest rate differences occur when drivers are young.

For example, insurance companies consider men in their teens and 20s as high-risk drivers and sometimes charge them 10% higher (or more) than their female counterparts.

How 30-year-old new drivers can find cheap car insurance

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

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

Below is an example of how annual rates differ between a new and experienced 30-year-old driver for a group of insurers in a particular ZIP code in California. The rates for a new driver are four times as expensive on average, indicating how much insurance companies value not just age but experience.

CompanyRates for an experienced driverRates for a new driverDifference
Mercury$508$1,512$1,004
Progressive$526$1,659$1,133
State Farm$732$1,726$994
Allstate$713$2,012$1,299
CSAA$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 been licensed since he was 16. The new driver is 30 years old and recently obtained his license. All other factors affecting rates were held equal.

If you're a new driver looking for cheap car insurance, there are a couple of steps you can take to get lower rates:

  • Bundle policies: If you have a homeowners or renters insurance policy, you could bundle your purchase with car insurance with the same insurer and get big savings. Discounts for a home and auto bundle could be as much as 10%.
  • Pay upfront: If you pay your entire six-month or annual premium upfront, you could get some minor savings on your policy.
  • Take advantage of available discounts: Be sure to ask an insurer about all available discounts to see what you could qualify for. One step a new driver could take is to pass a defensive driving class, as almost all insurers offer discounts for completing one.

How to find the best car insurance as a 30-year-old

When someone says they're looking for the best car insurance, they could be looking for a variety of things. Generally, we believe the best car insurance companies combine affordability with top-notch customer service; how much you emphasize those two factors is up to you.

Finding the cheapest car insurance company

To find the cheapest car insurance, we recommend drivers of any age to compare quotes among multiple insurers.

Our recommendations above indicate some of the cheapest companies on average, but different insurers charge different types of drivers 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 in each quote, you won't be making a fair comparison.

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

Finding the best car insurance company for customer service

Most people barely interact with their insurance company, but when they do, it's generally to make a claim for an incident that has major financial implications. During this time, you'll want a company that's efficient and communicative; in other words, one with good customer service.

We've recommended what we believe to be the top car insurance companies based on customer service and value, a good starting point to get familiar with the best insurers.

If you're looking to analyze insurance company customer service reputations on your own, we recommend you:

  • Check J.D. Power's insurance satisfaction studies. This analytics company surveys policyholders every year on a variety of customer service factors.
  • Research a given company's Complaint Index through the National Association of Insurance Commissioners (NAIC). The Complaint Index shows how often customers complain about a company, appropriately adjusted for size.

Methodology

We analyzed insurance quotes from 51 insurance companies in all 50 states and Washington, D.C.

Our sample driver was a 30-year-old male with a minimum-coverage policy. He drove a 2015 Honda Civic EX and had a clean driving record. When we referenced a full-coverage policy, it had the following limits and deductibles:

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

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

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.