How much does it cost to get car insurance in your 30s?
The average 30-year-old pays $770 for a six-month car insurance policy. This is slightly less than the average auto insurance rate for all drivers ($777, or about $126 per month).
Let's highlight some cheap car insurance companies for drivers in their 30s and evaluate the important policy decisions you should make as you age.
AVERAGE AUTO INSURANCE RATES — 30-YEAR-OLD DRIVER
| Insurer | Average Rates (Six Months) |
|---|---|
| Nationwide | $636 |
| Allstate | $951 |
| Farmers | $618 |
| GEICO | $545 |
| Liberty Mutual | $751 |
| Progressive | $896 |
| USAA | $483 |
| State Farm | $884 |
These rates are average estimates based on a user profile (methodology). If you're interested in receiving personalized car insurance quotes, enter your ZIP code below.
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How to save on car insurance as a 30-year-old driver
One question you'll need to answer when purchasing a car insurance policy is how many years of driving experience you have. Because your driving experience is a major insurance rating factor, most companies charge inexperienced drivers more to offset the additional risk of insuring them. In the estimation of an insurance company, the less experience a driver has, the more likely they are to get into an accident and require a claim payout. As you gain more experience behind the wheel and keep a clean driving record, your rates will become more affordable.
Below are some tips for first-time drivers seeking affordable car insurance.
Compare car insurance quotes every six months
Auto insurance premiums may vary significantly by insurance company. Although no company will see your lack of driving experience positively, not all will charge you equally. The only way to ensure you're getting the best rate with your driving record is to shop around every time your policy renews (typically every six months).
Pay for claims out-of-pocket
The general rule of thumb in the insurance world is if you can pay for damages yourself, do it. Your insurance company will add a surcharge to your premium for three to five years after an at-fault accident. While it varies by state and company, the average three-year surcharge for an at-fault is $1,700. You can determine if you should file a claim using our guide to car insurance claims.
Understand your coverage needs
If your vehicle is worth less than $4,000, you may not need to add collision and comprehensive coverages to your insurance policy. These coverages are designed to protect the value of your vehicle but are expensive coverage options. If your vehicle isn't worth much, you are paying for coverage you do not need. Use online resources such as Kelley Blue Book and NADA online to determine the value of your vehicle.
Save money on car insurance by comparing quotes.
How does car insurance change during your 30s?
As you grow older celebrate life's milestones, your car insurance rates change. Adding new vehicles, drivers, or new lines of insurance comes with policy implications.
Marriage and car insurance
AVERAGE ANNUAL COST OF CAR INSURANCE BY MARITAL STATUS
| Marital Status | Average Annual Premium |
|---|---|
| Married | $1,470 |
| Single | $1,548 |
| Divorced | $1,467 |
| Widowed | $1,431 |
Learn more about auto insurance for married couples.
Homeownership and car insurance
AVERAGE ANNUAL SAVINGS: INSURANCE BUNDLING
| Homeownership status | Average annual car insurance discount |
|---|---|
| Renter w/ multi-policy | $77 |
| Condo owner w/ multi-policy discount | $120 |
| Homeowner w/ multi-policy discount | $138 |
Parenthood and car insurance
Unless your child is of driving age, simply having a kid won’t impact your premium. However, if you upgrade your two-door sedan to a minivan with additional coverage, your insurance premium might change. If you were to trade in your Honda Civic (car) for a Honda Odyssey (minivan) in order to accommodate kids, your average annual premium would drop by $210. If minivans aren’t your thing, you can still expect your premium to decrease by an average of $139 when you swap out your car for a family-friendly SUV.
AVERAGE ANNUAL COST OF CAR INSURANCE BY VEHICLE-TYPE
| Minivans | SUVs | Sedans |
|---|---|---|
| $1,297 | $1,302 | $1,441 |
Compare car insurance rates online today.
Related Content
- Cheap Car Insurance for 16-Year-Olds
- Cheap Car Insurance for 18-Year-Olds
- Cheap Car Insurance for 19-Year-Olds
- Cheap Car Insurance for 20-Year-Olds
- Cheap Car Insurance for 23-Year-Olds
- Cheap Car Insurance for 24-Year-Olds
- Cheap Car Insurance for 25-Year-Olds
- Cheap Car Insurance for 50-Year-Olds
- Cheap Car Insurance for 60-Year-Olds
- Cheap Car Insurance for Teen Drivers
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.