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Car insurance for 30-year-olds

Updated Jun 24, 2025
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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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

In all states except Hawaii and Massachusetts, age is one of the biggest factors that impact how much you pay for car insurance as a 30-year-old driver. Another factor is the type 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 $841 per year. If you opt for a full coverage policy, the average cost for a 30-year-old policy is $2,861 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. Insurance companies in California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania are banned from using gender as a rating factor. Insurance companies in California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania are banned from using gender as a rating factor. The average annual full coverage premium for a 30-year-old woman is $2,840 while men pay $2,883 on average.

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.

Avg.annual full coverage premium for 30-year-old
$2,238
Avg.annual full coverage premium for 30-year-old
$2,604
Avg.annual full coverage premium for 30-year-old
$3,000
Avg.annual full coverage premium for 30-year-old
$2,618
Avg.annual full coverage premium for 30-year-old
$3,331
Avg.annual full coverage premium for 30-year-old
$3,446
Avg.annual full coverage premium for 30-year-old
$2,901
Avg.annual full coverage premium for 30-year-old
$3,122
Avg.annual full coverage premium for 30-year-old
$4,307
Avg.annual full coverage premium for 30-year-old
$3,031
Avg.annual full coverage premium for 30-year-old
$1,652
Avg.annual full coverage premium for 30-year-old
$1,565
Avg.annual full coverage premium for 30-year-old
$2,601
Avg.annual full coverage premium for 30-year-old
$1,854
Avg.annual full coverage premium for 30-year-old
$2,048
Avg.annual full coverage premium for 30-year-old
$2,696
Avg.annual full coverage premium for 30-year-old
$3,000
Avg.annual full coverage premium for 30-year-old
$4,162
Avg.annual full coverage premium for 30-year-old
$1,731
Avg.annual full coverage premium for 30-year-old
$3,142
Avg.annual full coverage premium for 30-year-old
$2,215
Avg.annual full coverage premium for 30-year-old
$3,263
Avg.annual full coverage premium for 30-year-old
$2,676
Avg.annual full coverage premium for 30-year-old
$2,551
Avg.annual full coverage premium for 30-year-old
$2,771
Avg.annual full coverage premium for 30-year-old
$2,482
Avg.annual full coverage premium for 30-year-old
$2,580
Avg.annual full coverage premium for 30-year-old
$3,798
Avg.annual full coverage premium for 30-year-old
$1,874
Avg.annual full coverage premium for 30-year-old
$3,121
Avg.annual full coverage premium for 30-year-old
$2,266
Avg.annual full coverage premium for 30-year-old
$4,203
Avg.annual full coverage premium for 30-year-old
$2,010
Avg.annual full coverage premium for 30-year-old
$1,917
Avg.annual full coverage premium for 30-year-old
$1,941
Avg.annual full coverage premium for 30-year-old
$2,950
Avg.annual full coverage premium for 30-year-old
$2,385
Avg.annual full coverage premium for 30-year-old
$2,626
Avg.annual full coverage premium for 30-year-old
$3,118
Avg.annual full coverage premium for 30-year-old
$2,073
Avg.annual full coverage premium for 30-year-old
$2,353
Avg.annual full coverage premium for 30-year-old
$2,169
Avg.annual full coverage premium for 30-year-old
$2,815
Avg.annual full coverage premium for 30-year-old
$2,234
Avg.annual full coverage premium for 30-year-old
$1,585
Avg.annual full coverage premium for 30-year-old
$2,311
Avg.annual full coverage premium for 30-year-old
$2,019
Avg.annual full coverage premium for 30-year-old
$2,316
Avg.annual full coverage premium for 30-year-old
$2,049
Avg.annual full coverage premium for 30-year-old
$1,796
Avg.annual full coverage premium for 30-year-old
$2,882
Avg.annual full coverage premium for 30-year-old
$1,652
Avg.annual full coverage premium for 30-year-old
$1,565
Avg.annual full coverage premium for 30-year-old
$2,601
Avg.annual full coverage premium for 30-year-old
$1,854
Avg.annual full coverage premium for 30-year-old
$2,048
Avg.annual full coverage premium for 30-year-old
$2,696
Avg.annual full coverage premium for 30-year-old
$3,000
Avg.annual full coverage premium for 30-year-old
$4,162
Avg.annual full coverage premium for 30-year-old
$1,731
Avg.annual full coverage premium for 30-year-old
$3,142
Avg.annual full coverage premium for 30-year-old
$2,215
Avg.annual full coverage premium for 30-year-old
$3,263
Avg.annual full coverage premium for 30-year-old
$2,676
Avg.annual full coverage premium for 30-year-old
$2,551
Avg.annual full coverage premium for 30-year-old
$2,771
Avg.annual full coverage premium for 30-year-old
$2,482
Avg.annual full coverage premium for 30-year-old
$2,580
Avg.annual full coverage premium for 30-year-old
$3,798
Avg.annual full coverage premium for 30-year-old
$1,874
Avg.annual full coverage premium for 30-year-old
$3,121
Avg.annual full coverage premium for 30-year-old
$2,266
Avg.annual full coverage premium for 30-year-old
$4,203
Avg.annual full coverage premium for 30-year-old
$2,010
Avg.annual full coverage premium for 30-year-old
$1,917
Avg.annual full coverage premium for 30-year-old
$1,941
Avg.annual full coverage premium for 30-year-old
$2,950
Avg.annual full coverage premium for 30-year-old
$2,385
Avg.annual full coverage premium for 30-year-old
$2,626
Avg.annual full coverage premium for 30-year-old
$3,118
Avg.annual full coverage premium for 30-year-old
$2,073
Avg.annual full coverage premium for 30-year-old
$2,353
Avg.annual full coverage premium for 30-year-old
$2,169
Avg.annual full coverage premium for 30-year-old
$2,815
Avg.annual full coverage premium for 30-year-old
$2,234
Avg.annual full coverage premium for 30-year-old
$1,585
Avg.annual full coverage premium for 30-year-old
$2,311
Avg.annual full coverage premium for 30-year-old
$2,019
Avg.annual full coverage premium for 30-year-old
$2,316
Avg.annual full coverage premium for 30-year-old
$2,049
Avg.annual full coverage premium for 30-year-old
$1,796
Avg.annual full coverage premium for 30-year-old
$2,882
*Hawaii and Massachusetts do not permit the use of age as a rating factor

*Hawaii and Massachusetts do not permit 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 from the 2024 J.D. Power U.S. Auto Claims Satisfaction Study 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 various auto insurance categories, including cost, coverage and support.

If you are looking for the best car insurance for 30-year-olds, you might want to consider these companies:

4.4
Rating: 4.4 stars out of 5
4.4
Rating: 4.4 stars out of 5
$3,998
$3,998
746
/1,000
746
/1,000
4.3
Rating: 4.3 stars out of 5
4.3
Rating: 4.3 stars out of 5
$2,246
$2,246
692
/1,000
692
/1,000
4.3
Rating: 4.3 stars out of 5
4.3
Rating: 4.3 stars out of 5
$1,955
$1,955
692
/1,000
692
/1,000
4.3
Rating: 4.3 stars out of 5
4.3
Rating: 4.3 stars out of 5
$2,272
$2,272
726
/1,000
726
/1,000
4.1
Rating: 4.1 stars out of 5
4.1
Rating: 4.1 stars out of 5
$2,400
$2,400
733
/1,000
733
/1,000
*USAA is not officially ranked by J.D. Power due to eligibility restrictions.
Awards

BEST AUTO INSURANCE COMPANY OVERALL (TIE)

Amica

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$322/mo

Avg. full coverage premium

$3,869/yr

Customer satisfaction

746/1,000

Awards

BEST AUTO INSURANCE FOR HIGH-RISK DRIVERS

Geico

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$181/mo

Avg. full coverage premium

$2,177/yr

Customer satisfaction

692/1,000

Awards

BEST BUDGET AUTO INSURANCE COMPANY

Auto-Owners

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$157/mo

Avg. full coverage premium

$1,890/yr

Customer satisfaction

692/1,000

Awards

BEST AUTO INSURANCE COMPANY OVERALL (TIE)

USAA

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$172/mo

Avg. full coverage premium

$2,068/yr

Customer satisfaction

726/1,000

Best for coverage add-ons

Erie

4.1

Rating: 4.1 stars out of 5

Avg. full coverage premium

$184/mo

Avg. full coverage premium

$2,206/yr

Customer satisfaction

733/1,000

Cheapest car insurance for 30-year-old drivers

Many 30-year-old drivers are looking for the cheapest car insurance possible. To find cheap car insurance for those over 30, Bankrate analyzed quotes from several carriers. The companies we identified with the cheapest rates on average are regional and smaller and, therefore, may not sell coverage in your area. You might have to do some research to determine which insurers sell policies in your state and find the best company for your situation, budget and preferences.

American National
American National
$297
$297
$1,426
$1,426
Central Mutual
Central Mutual
$307
$307
$1,688
$1,688
Hastings Mutual
Hastings Mutual
$631
$631
$1,543
$1,543
MMG
MMG
$359
$359
$1,544
$1,544
Union Mutual
Union Mutual
$162
$162
$756
$756
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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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 might be 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 by 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.
  • Consider a regional provider: When shopping for car insurance, the most well-known national carriers probably come to mind first. However, you may want to consider regional companies with a smaller market share. Smaller car insurance companies might have more affordable premiums depending on your situation.

How car insurance rates can change in your 30s

For many people, their 30s bring a slew of changes. For example, you might get married, purchase your first home or buy a new car to accommodate a growing family. All of these changes can have a big impact on your car insurance needs and your premium.

In general, single people pay higher car insurance rates than married couples. If you get married and combine car insurance policies with your spouse, your insurance premium might decrease. If you become a homeowner in your 30s, you might qualify for a discount when you bundle car insurance with home insurance.

Additionally, you might see your car insurance premium change if you purchase a different vehicle make and model in your 30s. For instance, if you trade in a 15-year-old sedan for a brand-new minivan or SUV, your premium may change as a result of your vehicle change.

Frequently asked questions

Methodology

Rates

Bankrate utilizes Quadrant Information Services to analyze June 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied: 

User Icon
40 year old
Single male and female driver
Logo for Brand name
2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

50% Cost & ratings
 
30% Coverage & savings
 
20% Support
 
  • Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
  • Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.