Cheap Car Insurance for 30-Year-Olds


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Key Takeaways

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GEICO, Travelers and National General are the cheapest car insurance providers for 30-year-olds.

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Travelers is the best and cheapest provider for 30-year-olds who value customer service, earning a MoneyGeek score of 93 out of 100.

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For 30-year-olds, a state minimum liability-only policy costs an average of $61 for males and $63 for females.

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Cheapest Car Insurance for 30-Year-Olds

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.

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Coverage Level:State Minimum Liability Only
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$8020%
AAA$69$8222%
Nationwide$71$8526%
Farmers$78$93816%
Allstate$81$97121%
AIG$81$97221%
UAIC$119$1,43378%

Cheapest Car Insurance for 30-Year-Olds by-State

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.

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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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State:Alabama
AIG$68$817-35%
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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.

Best Car Insurance for 30-Year-Olds

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.

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Coverage Level:State Minimum Liability Only
UAIC$11967
Kemper$6279
AIG$8180
Allstate$8183
AAA$6983
Nationwide$7185
Farmers$7886
National General$5087
Chubb$6188
State Farm$5189
Progressive$6790
Geico$4391
Amica$5691
Travelers$5094
Company logo for Travelers
Travelers
MoneyGeek Score:
94/ of 100

Overview

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.

Read MoneyGeek's Travelers Auto Insurance Review

How Much Does Car Insurance Cost for 30-Year-Olds?

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.

Data filtered by:Results filtered by:
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Gender:Female
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Credit Score:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
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

Auto Insurance for 30-Year-Olds: Buying Guide

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.

How to Get Cheap Car Insurance for 30-Year-Olds

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:

  1. 1

    Shop around

    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.

  2. 2

    Maintain a clean driving record

    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.

  3. 3

    Ask about discounts

    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.

  4. 4

    Bundle policies

    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.

  5. 5

    Review and update policies regularly

    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.

  6. 6

    Maximize no-claim bonuses

    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.

  7. 7

    Lower the coverage amount

    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.

  8. 8

    Choose a sedan over a sports car

    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.

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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:

  • Age
  • Gender
  • Location
  • Car details
  • Driver’s license number
  • Other household drivers

Car Insurance Discounts for 30-Year-Olds

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:

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    Defensive driving discount

    Many insurance companies offer discounts to drivers who have completed state-approved defensive driving courses.

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    Accident-free discount

    Maintaining a clean driving record may qualify you for this discount. Insurers typically offer rewards to safe drivers due to less risks.

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    Multi-policy discount

    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.

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    Telematics or usage-based discount

    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.

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    Pay-in-full discount

    Insurers usually offer discounts to clients who pay their premiums upfront instead of in monthly installments.

Cheap Auto Insurance for 30-Year-Olds: Bottom Line

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.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

Why do we need ZIP code?

Car Insurance for 30-Year-Olds: FAQ

Below are answers to frequently asked questions about car insurance costs for 30-year-olds:

What is the cheapest car insurance for a 30-year-old?

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

Does insurance go down at 30?

Which gender pays more car insurance?

Are older cars cheaper to insure?

Best Car Insurance for 30-Year-Olds: Our Review Methodology

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:

  • Costs of minimum coverage insurance
  • Differences between minimum and full coverage rates
  • Rate changes for risky drivers (e.g., with accidents or tickets)

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:

  • Toyota Camry LE
  • Clean driving record
  • 12K miles driven annually

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:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability

50/100/50 is shorthand for:

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident
  • $50,000 property damage liability

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.

Affordable Car Insurance for 30-Year-Olds: Related Articles

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.


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