Being in your 30s is exciting. You might have more financial security than ever before, be more secure in who you are and have a clearer vision for what you want your future to look like. Protecting your financial health with appropriate car insurance might not be the highest thing on your priority list, but it is an important step to take. For 30-year-olds, the average cost of car insurance is $1,850 per year for full coverage.
Price may be the first thing you think about when choosing a car insurance policy, but it is not the only thing you should consider. Available coverage types, discounts, policy features and third-party ratings can also be helpful to factor into your decision-making process. Bankrate’s insurance editorial team has researched dozens of insurance providers to help you find the best car insurance company for your needs.
How much is car insurance for a 30-year-old?
In all states except Hawaii, age is one of the biggest factors that impacts how much you pay for car insurance as a 30-year-old driver. Another factor is the types of insurance coverage that you choose. If you choose the minimum coverage policy required by your state, the average cost for 30-year-old insurance is $544 per year. If you opt for a full coverage policy, the average cost for a 30-year-old policy is $1,850 per year.
Average car insurance costs for 30-year-old men and women
Gender can also play a role in how much you pay for car insurance as a 30-year-old, although the difference is small. In fact, some states do not allow gender to be used as a rating factor.
| Average annual full coverage premium for 30-year-old man | Average annual full coverage premium for 30-year-old woman |
|---|---|
| $1,869 | $1,832 |
Average car insurance cost for 30-year-olds by state
In addition to age and gender, perhaps the biggest factor at play when it comes to your car insurance premiums is your state. Your premium will vary based on your state’s laws, the likelihood of accidents in your area and the cost of auto parts and labor where you live.
| State | Average annual full coverage premium for 30-year-old |
|---|---|
| Alabama | $1,900 |
| Alaska | $1,731 |
| Arizona | $1,770 |
| Arkansas | $2,147 |
| California | $2,284 |
| Colorado | $2,187 |
| Connecticut | $1,790 |
| Delaware | $1,901 |
| Florida | $2,958 |
| Georgia | $2,211 |
| Hawaii* | $1,272 |
| Idaho | $1,220 |
| Illinois | $1,676 |
| Indiana | $1,465 |
| Iowa | $1,345 |
| Kansas | $1,956 |
| Kentucky | $2,482 |
| Louisiana | $3,007 |
| Maine | $916 |
| Maryland | $1,919 |
| Massachusetts | $1,345 |
| Michigan | $2,771 |
| Minnesota | $1,741 |
| Mississippi | $1,893 |
| Missouri | $1,897 |
| Montana | $1,923 |
| Nebraska | $1,626 |
| Nevada | $2,497 |
| New Hampshire | $1,284 |
| New Jersey | $2,023 |
| New Mexico | $1,603 |
| New York | $2,465 |
| North Carolina | $1,435 |
| North Dakota | $1,390 |
| Ohio | $1,240 |
| Oklahoma | $2,107 |
| Oregon | $1,538 |
| Pennsylvania | $1,771 |
| Rhode Island | $2,038 |
| South Carolina | $1,626 |
| South Dakota | $1,820 |
| Tennessee | $1,498 |
| Texas | $2,072 |
| Utah | $1,458 |
| Vermont | $1,179 |
| Virginia | $1,431 |
| Washington | $1,301 |
| Washington, D.C. | $1,984 |
| West Virginia | $1,673 |
| Wisconsin | $1,296 |
| Wyoming | $1,540 |
*Hawaii bans the use of age as a rating factor
Best car insurance companies for 30-year-olds
The car insurance company you choose can also have a large impact on your premium. Each company has its own system of rating policies, so the price for the same coverage can vary between providers. To determine what companies to feature, we analyzed average premiums, available coverage types and discounts, third-party rankings and policy features for the largest companies in the country by market share. We consolidated these findings into a Bankrate Score on a scale from 0.0 to 5.0. The higher the Score, the higher each company ranked in the various ranking categories.
If you are looking for the best car insurance for 30-year-olds, you might want to consider these companies:
| Bankrate Score | Average annual premium for full coverage for 30-year-olds | J.D. Power customer satisfaction score | |
|---|---|---|---|
| Erie | 4.6 | $1,316 | 901/1,000 |
| Auto-Owners | 4.5 | $1,385 | 878/1,000 |
| Amica | 4.5 | $1,469 | 895/1,000 |
Erie Insurance
Erie is limited in its service area, selling its coverage in just 12 states and D.C. It brings all the best parts of a regional insurance provider — with excellent customer satisfaction ratings from J.D. Power and an A+ (Superior) rating from AM Best for financial stability — and combines them with low average rates. Erie also offers thoughtful coverage, including options like first accident forgiveness, used and new car replacement and a bundle for roadside assistance and rental car protection.
Learn more: Erie Insurance review
Auto-Owners
Auto-Owners has about 48,000 independent agents who might be able to help you find the right coverage. Insurance coverage options include extras like diminished value coverage, additional expenses coverage and loan/lease gap insurance coverage for your new car. Plus, there are fantastic coverage options if you also need boat insurance, classic car insurance or motorcycle insurance. The company’s average rates are already among the most competitive for 30-year-olds, but Auto-Owners also offers excellent discounts that could further lower the cost of your coverage and make your car insurance policy more affordable. However, the company is only available in 26 states, so it won’t be an option for drivers in all areas of the country.
Learn more: Auto-Owners Insurance review
Amica
Amica is known for stellar customer service. The company offers a suite of coverage options and policy options, including the unique dividend policy which allows you to recover some of your premium each year. Amica’s average premium is the highest on our list, but you might be able to save with discounts like homeownership, accident-free, paperless or bundling your home and auto. If you need other types of insurance, you may be able to keep all your business with Amica. The company also offers life, flood, umbrella and business insurance, as well as other financial products. However, Amica’s premium is the highest on our list (although still below average for 30-year-olds), so it may not be the best choice for drivers on a tight budget.
Cheapest car insurance for 30-year-old drivers
If you are on a tight budget and you need to find the cheapest coverage possible, Bankrate can help. Based on our research, the cheapest car insurance for 30-year-olds comes from Selective, with an average annual premium of $1,271 for full coverage. However, auto insurance rates will vary based on your individual rating factors, so shopping around for coverage can still be a helpful tactic to find a lower premium. These companies could be a good place to start your search for cheap car insurance for 30-year-olds:
| Car insurance company | Average annual premium for minimum coverage for 30-year-olds |
|---|---|
| Selective | $1,271 |
| USAA | $1,295 |
| Erie | $1,316 |
Keep in mind that your own premium will vary based on your individual rating factors. The type of vehicle you drive, your driving history and the coverage types and limits you choose will all affect your premium. Getting quotes from several companies can help you find the right fit for you.
How 30-year-olds can save on car insurance
Although 30-year-olds generally still pay more for insurance than the national average premium, there are ways to lower your car insurance. The following tips might help you save on your annual premium:
- Compare quotes: Every insurance company offers different types of coverage, discounts and rating systems. Requesting quotes from multiple carriers in your area and carefully comparing each to see which provider best fits your needs can help you find the best and cheapest coverage for you.
- Bundle your policies: If you buy more than one type of insurance from the same company, you might save money. The most common bundling discount is for buying your auto policy along with your home, condo or renters insurance policy. You might also save for bundling your auto insurance with your life insurance, business insurance or pet insurance.
- Ask about additional discounts: Most insurance companies offer other discounts which can help you lower your premium. Besides bundling your policies, some common ways to save include participating in a telematics program that tracks your driving habits, going paperless and paying in full.
- Drive safely: Insurance is based on risk. The more accidents and tickets you have, the more worried an insurance company will be that you will cause an accident in the future. To compensate for the increased risk, you could be charged a higher premium. In addition to driving safety, things like low mileage and vehicle safety features can also save you money on your car insurance.
Frequently asked questions
What is the best car insurance company?
There is no company that is the best for everyone. To find the best car insurance company for your unique needs, you may first want to decide what you are looking for. Do you want the lowest premium, a mobile app, 24/7 claims service or certain coverage options? Once you have a list of your priorities, you can research companies and request quotes from carriers who can meet your needs. Comparing these quotes might help you find the best company for you.
What are the best car insurance discounts for 30-year-olds?
Most insurance companies have a list of auto insurance discounts that they offer. These can be an easy way to save money on your annual policy. Look for discounts like safety discounts, claims-free discounts, low mileage discounts and auto payment discounts, which can all save you money each month.
Is car insurance for 30-year-olds expensive?
The average cost of full coverage car insurance in the U.S. is $1,674 per year, and 30-year-olds pay an average of $1,850 per year for full coverage. However, 30-year-olds pay less than teens and young adults due to having more experience on the road. Rates generally start to decrease around age 40, so 30-year-olds can expect to pay a bit more for car insurance until they cross this threshold.
What other factors impact my rates in addition to age?
The factors that will affect your car insurance rates will vary based on where you live. Different states have different car insurance laws, and some states don’t allow certain non-driving factors to be used to calculate rates. However, in most areas, things like your gender, marital status and credit score could change how much you pay for your policy. Additionally, if you choose a full coverage policy — which includes comprehensive coverage and collision coverage — you’ll probably pay more than if you had less coverage. Prior insurance claims can also affect your premium, as claims can be an indication of high-risk driving behavior.
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 30-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, Pennsylvania.
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