Updated: July 4, 2025
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GEICO, Travelers and National General are the cheapest car insurance providers for 30-year-olds.
Travelers is the best and cheapest provider for 30-year-olds who value customer service, earning a MoneyGeek score of 93 out of 100.
For 30-year-olds, a state minimum liability-only policy costs an average of $61 for males and $63 for females.
GEICO is the cheapest car insurance provider for 30-year-old drivers based on MoneyGeek’s analysis, with an average annual cost of $43 per month for a state minimum, liability-only policy. However, the cheapest depends on your desired coverage. The table below compares the best rates for 30-year-olds across coverage types.
| Geico | $43 | $522 | -35% |
| Travelers | $50 | $601 | -25% |
| National General | $50 | $605 | -25% |
| State Farm | $51 | $616 | -24% |
| Amica | $56 | $670 | -17% |
| Chubb | $61 | $728 | -10% |
| Kemper | $62 | $744 | -8% |
| Progressive | $67 | $802 | 0% |
| AAA | $69 | $822 | 2% |
| Nationwide | $71 | $852 | 6% |
| Farmers | $78 | $938 | 16% |
| Allstate | $81 | $971 | 21% |
| AIG | $81 | $972 | 21% |
| UAIC | $119 | $1,433 | 78% |
The cost of car insurance for 30-year-olds varies by state. For instance, MoneyGeek found that the cheapest provider in Wyoming is GEICO, at an average monthly cost of $14, while the cheapest in Florida is Travelers, at an average monthly cost of $51.
| AIG | $68 | $817 | -35% |
Premiums vary widely by state, and some providers may not offer coverage in your area. To find the cheapest car insurance companies, compare at least three similar quotes to get the best deal. Use an auto insurance comparison tool to compare quotes quickly and easily.
If you value customer service more than affordability, MoneyGeek’s analysis found that Travelers is the best car insurance for 30-year-olds. With a MoneyGeek score of 93 out of 100 and an average cost of $103 for a state-minimum liability-only policy, Travelers balances both affordability and customer service.
| UAIC | $119 | 67 |
| Kemper | $62 | 79 |
| AIG | $81 | 80 |
| Allstate | $81 | 83 |
| AAA | $69 | 83 |
| Nationwide | $71 | 85 |
| Farmers | $78 | 86 |
| National General | $50 | 87 |
| Chubb | $61 | 88 |
| State Farm | $51 | 89 |
| Progressive | $67 | 90 |
| Geico | $43 | 91 |
| Amica | $56 | 91 |
| Travelers | $50 | 94 |
Travelers brings 165 years of expertise and offers diverse coverage, from home to boat insurance. Backed by thousands of agents and reps, it ensures responsive service and nationwide accessibility. It holds 2.11% of the auto insurance market.
MoneyGeek found that iut costs an average of $61 per month to insure a 30-year-old male driver with a state-minimum liability-only policy. Car insurance costs for 30-year-olds can change based on a number of factors: coverage level, gender, credit score, driving history, location and more. However, some states prohibit the use of certain factors in insurance pricing.
Use the table below to see how much it costs for you based on your circumstances.
| State Minimum Liability Only | $163 | $1,960 |
| State Minimum Liability w/ Full Cov. w/$1,000 Ded. | $206 | $2,467 |
| State Minimum Liability w/ Full Cov. w/$2,000 Ded. | $273 | $3,278 |
| 100/300/100 Full Cov. w/$1,000 Ded. | $344 | $4,130 |
| 50/100/50 Full Cov. w/$500 Ded. | $352 | $4,228 |
| State Minimum Liability w/ Full Cov. w/$250 Ded. | $365 | $4,376 |
| 300/500/300 Full Cov. w/$1,500 Ded. | $382 | $4,584 |
| State Minimum Liability w/ Full Cov. w/$0 Ded. | $431 | $5,176 |
Insurance companies consider age when calculating premiums. As you age, your risks and needs change. This guide helps you understand the key factors to consider when deciding on the best car insurance policy, such as coverage options, discounts and how to lower premiums.
Experienced 30-year-olds often pay lower car insurance rates, but there are ways to reduce premiums further. Here are some strategies to secure the best rate:
Comparing identical coverage from at least three insurers can help you find the best rate for your budget. Using a car insurance comparison tool with multiple companies is another smart way for 30-year-olds to find affordable coverage.
To keep rates low, maintain a clean driving record by following speed limits, avoiding distractions and staying alert to prevent accidents and tickets. A speeding ticket can raise your insurance rates by 18% to 30%, with more severe violations causing even larger increases.
Qualifying for more discounts can significantly lower your car insurance rates. Consider completing defensive driving courses, as these can reduce rates over time. Insuring a new car with safety features like anti-lock brakes, airbags and anti-theft systems can lead to further discounts.
Combining your car insurance with other policies, like homeowners or renters insurance, can unlock substantial discounts. Insurers reward loyalty and the reduced risk associated with multiple policies.
Life changes — like moving, job transitions or family growth — can affect your insurance needs and rates. Reviewing your policy regularly ensures your coverage aligns with your current situation and may reveal ways to save.
For 30-year-olds with a safe driving history, maximizing no-claim bonuses can lower insurance premiums. These rewards reduce costs for every claim-free year, highlighting you as a low-risk driver.
To save on car insurance as a 30-year-old, consider minimum coverage if you own an inexpensive car. However, this option doesn’t include comprehensive or collision coverage, so you’ll be responsible for repairs if you cause damage to your vehicle.
Sports cars and luxury vehicles often come with higher insurance rates. If you’re shopping for a car, get insurance quotes for the models you’re considering to avoid surprises.
When comparing car insurance quotes, costs differ between companies due to their unique assessment methods. For accurate quotes, provide these details to help insurers tailor rates to your coverage needs:
Discounts can further reduce your premiums. Since offers vary by insurer, review what each company provides. Here are some common discounts car insurance providers offer:
Many insurance companies offer discounts to drivers who have completed state-approved defensive driving courses.
Maintaining a clean driving record may qualify you for this discount. Insurers typically offer rewards to safe drivers due to less risks.
Bundling different insurance policies, such as home and auto insurance, may qualify you for a multi-policy discount. Some insurers also offer discounts for insuring multiple vehicles.
Insurance companies with telematics programs that track safe driving habits typically offer discounts to drivers who participate in the program. If you don't drive much, check if you qualify for a low-mileage discount.
Insurers usually offer discounts to clients who pay their premiums upfront instead of in monthly installments.
If you're looking for cheap car insurance for 30-year-olds, GEICO has the lowest rates at just $43 per month for minimum coverage. Travelers, National General and State Farm are also affordable options, with Travelers standing out for customer service. Rates vary based on your state, driving history and coverage level, so it’s important to shop around. Start by comparing quotes from multiple providers to find the best deal for your needs.
Below are answers to frequently asked questions about car insurance costs for 30-year-olds:
GEICO offers the lowest rates for 30-year-olds, with rates starting at $43 per month or $521 per year for a state minimum, liability-only policy.
The average cost of car insurance for 30-year-olds is $61 for males and $63 for females for a state-minimum, liability-only policy.
Insurance rates typically decrease from when you start driving, provided you maintain a clean record. But after 25, age has less influence on rates. By 30, drivers often enjoy lower premiums because insurers view them as more experienced and less risky.
Young male drivers typically pay higher car insurance rates due to higher-risk statistics. By age 30, this gap narrows as rates depend more on driving history and vehicle choice than gender.
Older cars are generally cheaper to insure because their lower value decreases the potential payout in case of a claim. However, safety features and theft risk can also affect premiums.
Why Trust MoneyGeek?
MoneyGeek's analysis is based on data from Quadrant Information Services and state insurance departments. This research evaluated various driver profiles and locations, highlighting the importance of comparing car insurance rates. Depending on the insurer, rates can vary significantly for the same driver profile.
Study Overview
MoneyGeek collected and analyzed rates using a sample driver profile to calculate national and state averages. The study examined:
Data Sources and Scope
We analyzed 1,904 quotes from six companies across 100 ZIP codes using data from state insurance departments and Quadrant Information Services.
Driver Profile
We used a sample driver profile to find the average annual insurance costs based on this profile:
We modified this profile by location, coverage type and amount to identify average costs for drivers across the U.S. who have different coverage needs.
Coverage Levels and Deductibles
A deductible is the amount you pay before insurance covers the rest. Comprehensive and collision, also called full coverage, offer the most financial protection.
100/300/100 is shorthand for:
50/100/50 is shorthand for:
National averages: Calculated with 100/300/100 full coverage and a $1,000 deductible
State-specific data: Based on 50/100/50 full coverage and a $1,000 deductible
Learn more about MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
