GEICO provides the cheapest car insurance for 30-year-old drivers, with an average annual cost of $1,270 or $106 monthly. The table below compares the best rates for 30-year-olds across coverage types.
Auto Insurance
Cheap Car Insurance for 30-Year-Olds
Updated: March 5, 2025
Advertising & Editorial Disclosure
Key Takeaways
Along with GEICO, State Farm offers affordable full coverage to 30-year-olds at an annual average of $1,299.
For 30-year-olds, full coverage car insurance averages $1,480 to $1,633 yearly, while minimum coverage costs about $1,140.
Experienced 30-year-old drivers often get lower rates, like $108 monthly for minimum coverage. Credit and driving history may also impact costs.
Cheapest Car Insurance for 30-Year-Olds
Data filtered by:Results filtered by:
Select
Coverage:100/300/100 w/ $1000 Deductible
| GEICO | $1,270 | $106 |
| State Farm | $1,299 | $108 |
| Nationwide | $1,443 | $120 |
| Allstate | $1,525 | $127 |
| Progressive | $1,527 | $127 |
| Travelers | $1,565 | $130 |
| Farmers | $1,730 | $144 |
*Note: The above rates reflect averages for full coverage with 100/300/100 limits and a $1,000 deductible.
Best Car Insurance Discounts for 30-Year-Olds
Getting auto insurance discounts can help lower premiums. The table below shows some discounts from GEICO and State Farm, the cheapest insurance providers for 30-year-olds.
Discount | GEICO | State Farm |
|---|---|---|
Defensive driving discount | Yes | Yes |
Multiple vehicle discount | Up to 25% | Up to 20% |
Home and auto bundle | Yes | Yes |
Drive Safe Telematics | DriveEasy – tracks driving habits | Drive Safe & Save™ – tracks driving habits |
Accident-free discount | Up to 22% | Yes |
Anti-theft device discount | Up to 23% | Yes |
Vehicle safety discount | Yes | Yes |
New vehicle discount | Up to 15% | Yes |
*Note: The guide below provides a more detailed overview of common car insurance discounts.
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
Shop around
Comparing identical coverage from at least three insurers can help you find the best rate for your budget. MoneyGeek data shows that comparison shopping can save over $445 a year. Using a car insurance comparison tool with multiple companies is another smart way for 30-year-olds to find affordable coverage.
- 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
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
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
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
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
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
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.
MONEYGEEK EXPERT TIP
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:
Defensive driving discount
Many insurance companies offer discounts to drivers who have completed state-approved defensive driving courses.
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.
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.
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.
Pay-in-full discount
Insurers usually offer discounts to clients who pay their premiums upfront instead of in monthly installments.
How Much Is Car Insurance for 30-Year-Olds?
The average annual cost of full coverage car insurance for a 30-year-old is $1,480 or $123 monthly. Choosing higher limits, like a 300/500/300 policy with a $1,500 deductible, raises the cost to $1,633 annually, or $136 per month. Minimum coverage averages $1,140 per year or $95 per month. Costs may also vary by gender.
Average Car Insurance Cost for 30-Year-Olds by Coverage Type
Coverage type and limits affect car insurance costs, with minimum coverage having the most affordable rates. Full coverage offers more protection, thus having higher premiums. The table below compares average monthly and annual costs for different coverage types.
| 100/300/100 w/ $1000 Deductible | $1,480 | $123 |
| 300/500/300 w/ $1500 Deductible | $1,633 | $136 |
| State Minimum Liability Only | $1,140 | $95 |
MONEYGEEK EXPERT TIP
Minimum coverage works well for owners of older or less valuable cars, especially if they can afford out-of-pocket repairs. In such cases, basic coverage or the state minimum may be enough.
At 30, drivers with assets or growing families should consider full coverage. It offers broader protection against accidents and unexpected events, making it ideal for daily commuters who depend on their vehicles.
Average Car Insurance Cost for 30-Year-Olds by Gender
Gender plays a significant role in car insurance rates for drivers aged 16 to 25, but by age 30, the difference becomes minimal. Insurers focus more on driving experience and history as drivers age. Here are the average monthly and annual premiums for 30-year-old male and female drivers:
| Female | $1,276 | $106 |
| Male | $1,260 | $105 |
MONEYGEEK EXPERT TIP
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.
Cheapest Car Insurance Quotes for 30-Year-Olds
Knowing the cheapest companies and average rates for 30-year-olds is a good starting point, but getting a car insurance quote is the most accurate way to estimate costs. Compare quotes from several providers to find the most affordable policy. Use MoneyGeek's online calculator to get quotes in minutes with just a few basic details.
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Alaska
Female
30-65
Clean
Average Annual Auto Insurance Rates
Click the section of the wheel in your price range to see options.
Low
Average
High
Click an insurer below to visit their review page or continue to your personalized quote.
Cheapest Cars to Insure for 30-Year-Olds: How Your Car Affects Rates
Your car type affects your insurance rates. High-performance and expensive cars are the costliest to insure, regardless of age. For 30-year-olds, the MINI Cooper and Subaru Forester are among the cheapest to insure. Use the table below to compare average rates by coverage type.
Data filtered by:Results filtered by:
Select
Coverage:Full Coverage
| Subaru Forester | $1,359 | $113 |
| Subaru Outback | $1,377 | $115 |
| Honda CR-V | $1,399 | $117 |
| MINI Cooper | $1,422 | $119 |
| Jeep Wrangler | $1,431 | $119 |
| Mazda CX-5 | $1,432 | $119 |
| Honda Odyssey | $1,433 | $119 |
| Honda HR-V | $1,435 | $120 |
| VW Tiguan | $1,455 | $121 |
| MINI Electric | $1,461 | $122 |
| Ford Escape | $1,476 | $123 |
| Ford F-150 | $1,482 | $124 |
| Toyota RAV4 | $1,487 | $124 |
| Toyota Tacoma | $1,514 | $126 |
| Honda Passport | $1,515 | $126 |
| Toyota Sienna | $1,519 | $127 |
| Kia Soul | $1,523 | $127 |
| Subaru Legacy | $1,523 | $127 |
| Toyota Highlander | $1,527 | $127 |
| Hyundai Kona | $1,530 | $128 |
| Subaru Impreza | $1,541 | $128 |
| Chevy Equinox | $1,543 | $129 |
| Chevy Silverado | $1,553 | $129 |
| Ford Explorer | $1,567 | $131 |
| Jeep Cherokee | $1,569 | $131 |
| Honda Pilot | $1,573 | $131 |
| Kia Niro | $1,576 | $131 |
| Chevy Tahoe | $1,582 | $132 |
| Honda Accord | $1,583 | $132 |
| Acura MDX | $1,589 | $132 |
| Nissan Rogue | $1,601 | $133 |
| Honda Insight | $1,604 | $134 |
| Jeep Gladiator | $1,606 | $134 |
| Jeep Grand Cherokee | $1,610 | $134 |
| Mazda3 | $1,619 | $135 |
| Nissan Versa | $1,624 | $135 |
| Nissan Frontier | $1,625 | $135 |
| Nissan LEAF | $1,640 | $137 |
| Ford Mustang Mach E | $1,643 | $137 |
| Toyota Prius | $1,644 | $137 |
| Toyota Camry | $1,651 | $138 |
| Honda Civic | $1,656 | $138 |
| Toyota Corolla | $1,656 | $138 |
| Chevy Bolt | $1,657 | $138 |
| Honda Ridgeline | $1,660 | $138 |
| VW Passat | $1,668 | $139 |
| Toyota Tundra | $1,677 | $140 |
| Nissan Pathfinder | $1,687 | $141 |
| Nissan Sentra | $1,693 | $141 |
| VW Golf | $1,699 | $142 |
| VW Jetta | $1,704 | $142 |
| Ram 2500 | $1,706 | $142 |
| VW ID.4 | $1,724 | $144 |
| Hyundai Elantra | $1,725 | $144 |
| Ram Rebel | $1,752 | $146 |
| Mercedes GLA 250 | $1,756 | $146 |
| Chevy Malibu | $1,758 | $147 |
| Nissan Altima | $1,769 | $147 |
| Chevrolet Camaro | $1,781 | $148 |
| Hyundai Ioniq | $1,790 | $149 |
| BMW X3 | $1,805 | $150 |
| Ford Mustang Ecoboost | $1,809 | $151 |
| Ford Expedition | $1,818 | $152 |
| Subaru WRX | $1,825 | $152 |
| Volvo XC40 | $1,845 | $154 |
| Chevrolet Camaro SS | $1,865 | $155 |
| Audi Q5 | $1,889 | $157 |
| Audi A3 | $1,926 | $161 |
| Subaru BRZ | $1,931 | $161 |
| Dodge Charger | $1,985 | $165 |
| Mercedes CLA 250 | $1,992 | $166 |
| Nissan Maxima | $1,998 | $167 |
| Ford Mustang | $2,032 | $169 |
| Audi Q7 | $2,036 | $170 |
| Dodge Challenger R/T | $2,045 | $170 |
| BMW 1 Series | $2,058 | $172 |
| BMW 3 Series | $2,060 | $172 |
| Chevrolet Corvette | $2,071 | $173 |
| Kia Stinger | $2,075 | $173 |
| Dodge Challenger | $2,081 | $173 |
| Audi A4 | $2,099 | $175 |
| Audi E Tron | $2,108 | $176 |
| Mercedes C-Class | $2,108 | $176 |
| BMW 4 Series | $2,218 | $185 |
| Tesla Model 3 | $2,223 | $185 |
| BMW 5 Series | $2,282 | $190 |
| Chevrolet Camaro ZL1 | $2,311 | $193 |
| Tesla Model Y | $2,339 | $195 |
| BMW X5 | $2,398 | $200 |
| Dodge Challenger SRT Hellcat | $2,507 | $209 |
| BMW X7 | $2,722 | $227 |
| BMW 7 Series | $2,758 | $230 |
| Tesla Model X | $3,120 | $260 |
| Porsche Taycan | $3,327 | $277 |
| Tesla Model S | $3,599 | $300 |
| Audi R8 | $4,006 | $334 |
MONEYGEEK EXPERT TIP
Owners of older or budget-friendly cars might choose minimum coverage car insurance to avoid excessive costs. For those financing or leasing, full coverage insurance is necessary. The rule of thumb is to rethink your coverage if annual premiums surpass 10% of your car's actual cash value (ACV).
Cheap Auto Insurance for 30-Year-Olds: Bottom Line
This article highlights the best cheap car insurance options for 30-year-olds. GEICO offers the lowest full coverage rate at $1,270 per year. At 30, drivers benefit from lower rates, averaging $1,480 annually for full coverage and $1,140 for minimum coverage.
Rates depend on driving history, credit score and car choice. To save, compare insurers, keep a clean record and check for discounts. Start by getting quotes from GEICO, State Farm and Nationwide to find the most affordable option in your state.
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?
GEICO offers the lowest rates for 30-year-olds, averaging $106 per month and $1,270 per year.
How much is car insurance for a 30-year-old?
The average cost of car insurance for 30-year-olds is $1,140 annually for minimum coverage and $1,480 to $1,633 for full coverage insurance.
Does insurance go down at 30?
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.
Which gender pays more car insurance?
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.
Are older cars cheaper to insure?
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.
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
Auto Insurance
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.
sources
- GEICO. "Car Insurance Discounts." Accessed February 19, 2025.
- State Farm. "Take Control of Your Auto Insurance Discounts From State Farm®." Accessed February 19, 2025.