Car insurance for 30-year-olds

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 $844 per year. If you opt for a full coverage policy, the average cost for a 30-year-old policy is $2,877 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 $2,856 while men pay $2,897 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.

*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:

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.

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

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.

Age: Rates were calculated by evaluating our base profile with the age 30 (base: 40 years) applied. Drivers are homeowners. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

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.

• 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.