Car Insurance for 30 year olds

Discover new discounts and find out how your rates change once you hit your dirty 30s

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Leaving your 20s behind is a pretty big milestone—mostly because there's a lot of change coming your way. While some see it as a mid-life crisis, others consider your "dirty 30s" an exciting time. At this age, most people tend to get married, buy a home, and start a family. And from our perspective here at The Zebra, your 30s represent a significant change in the partnership with your insurance company. So, while you can't eat pizza for every meal anymore, insurance companies tend to favor older, more experienced clients. Let's examine some of these benefits.

National Average Annual Auto Insurance Premiums by Age Range

Age Group Avg. Annual Premium
16-19 $4,957
20-29 $1,791
30-49 $1,292
40-49 $1,235
50-59 $1,151
60-69 $1,185
70-79 $1,390
80-85 $1,644
 

How your premium and policy changes


Although you might not enjoy the idea of entering your 30s, you do see some insurance savings. The average amount a 20-29 will pay for auto insurance is $1,791 per year, versus the $1,292 you’ll pay in your 30s. That’s nearly 500 bucks in savings. Just remember, every new gray hair probably means at least you can start to save some money. 

The reason for these savings has to do with how your insurance company views major events surrounding this time in your adult life. Things like getting married and buying a home can make you appear more responsible to your insurance company. And as you probably know, a responsible client is a less expensive one.

National Average Annual Auto Insurance Premiums for 30-year-olds

Age Group Avg. Annual Premium
30 $1,310
31 $1,306
32 $1,304
33 $1,301
34 $1,299
35 $1,285
36 $1,282
37 $1,280
38 $1,278
39 $1,276
 

Getting hitched


While no one takes the same path in life, many people in their 30s get married, and this can impact your premium for the better. When a single person marries, his or her annual premium drops statistically by about 5.6% or around $74/year. That’s because insurance companies have found that married people file less claims than single people. Moreover, they see that married people are sharing the responsibility of driving which, in essence, cuts driving time of individual cars in half.

National Average Annual Insurance by Marital Status

Single Married Divorced Widowed
$1,323 $1,249 $1,320 $1,297

Buying a house


You might be surprised by the effects of buying a home on your car insurance. Switching from renting a place to buying your own home can save you around $110/year, for a couple of reasons. We’re assuming that you bundled your home and auto insurance into the same company. This not only makes things a little easier because all your business goes through one agent or company, but bundling can also earn you a profitable multi-policy discount. Insurance companies look at those who own a home to be more financially stable and thus statistically less likely to file a claim.

National Average Annual Insurance by Homeowner Status

Renter Homeowner Renter with Multi-Policy Homeowner with Multi-Policy
$1,323 $1,292 $1,250 $1,181
 

Having kids


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 can change. If you were to trade-in your Honda Civic (car) for a Honda Odyssey (minivan) in order to accommodate extra kiddos, you can expect the average annual premium to drop by $210. If minivans aren’t your thing, you can still expect your premium to decrease by an average of $139 when you switch your car for a family-friendly SUV.

National Average Annual Insurance For Vans, SUVs, and Cars in 2016

Vans SUVs Cars
$1,297 $1,302 $1,441
 

So, maybe your 30s won’t be so bad?


Even though hangovers hurt more and your bedtime is probably 10:30, take comfort in the idea that you can start to enjoy some savings from your insurance company. Remember to bundle your policies, add your husband or wife to your policy, and maybe even upgrade that Honda Civic to an Odyssey—the sexiest of all the soccer vans. You might not like rocking a dad-bod for real, but at least with all the money you're saving, you can finally afford to build a man-cave.