Cheap Car Insurance for 30-Year-Olds
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.
The Zebra’s Dynamic Insurance Rating Tool data methodology — auto insurance
The auto insurance rates displayed throughout this page come from The Zebra’s Dynamic Insurance Rating Tool, a proprietary insurance premium estimator that uses the most recent rate filings across the United States at the ZIP code level to provide up-to-date rate data. Most insurance companies file car insurance rates one to two times a year. This data comes from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is programmed into The Zebra’s dynamic rating tool.
Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.
Get auto insurance for 30-year-olds today!
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.
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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
|Avg. Annual Premium
Homeownership and car insurance
|Average annual car insurance discount
|Renter w/ multi-policy
|Condo owner w/ multi-policy discount
|Homeowner w/ multi-policy discount
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.
Compare car insurance rates online today.
- Cheap Car Insurance for 60-Year-Olds
- Cheap Car Insurance for 24-Year-Olds
- Cheap Car Insurance for 19-Year-Olds
- Cheap Car Insurance for 17-Year-Olds
- Cheap Car Insurance for 40-Year-Olds
- Cheap Car Insurance for 20-Year-Olds
- Cheap Car Insurance for Teen Drivers
- Cheap Car Insurance for 23-Year-Olds
- Cheap Car Insurance for Young Adults
- Cheap Car Insurance for 22-Year-Olds
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 editorial 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.