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

Younger drivers pay more for car insurance due to a lack of experience behind the wheel, and then rates go down with age and experience. On average, 30-year-olds pay $2,012 a year for coverage. However, factors such as location, driving record, and gender also significantly impact rates.

AgeAvearge annual premiumAvearge monthly premium
30$2,012$168

Average car insurance for 30-year-old males vs. females

While age is a significant factor in determining car insurance rates, gender is also considered in most states. Males typically face higher insurance rates than females, largely due to a statistically proven tendency to take more risks and sustain more injuries.

This table compares average car insurance rates for 30-year-old males and females.

If you live in California, Hawaii, Massachusetts, Michigan, North Carolina, or Pennsylvania, car insurance companies can't use gender to determine rates.

AgeAverage annual premiumAverage monthly premium
30-year-old Female$2,006$167
30-year-old Male$2,017$168

Best car insurance for 30-year-old driver

We've compared top insurance companies to see which offers the best coverage for 30-year-old drivers. Our analysis shows that Nationwide is the top pick overall.

Company nameAM BestNAICSurvey scoreAverage annual premiumInsurance.com score
NationwideA+0.664.33$1,6264.51
State FarmA++0.524.27$2,0554.41
GeicoA++0.774.20$1,8294.34
TravelersA++1.034.62$1,7524.22
ProgressiveA+0.734.14$2,1823.98
FarmersA0.773.69$2,4563.45
AllstateA+0.953.78$2,6263.27

Average car insurance cost vs. other ages

As you age and gain more driving experience, car insurance rates decrease. For example, rates for a 25-year-old are significantly cheaper than at 16 years old.

The table below shows average car insurance rates for various age groups, so you can see how rates for 30-year-olds compare to drivers at other ages.

Company GroupTeens (16-19)Young Adults (20-24)Adults (25-60)Seniors (65-75)
Travelers$4,834$2,476$1,615$1,590
Geico$5,049$2,647$1,776$1,787
Nationwide$5,285$2,556$1,533$1,456
State Farm$5,368$3,179$1,985$1,858
Progressive$7,174$3,242$2,009$2,000
Allstate$7,437$3,754$2,509$2,477
Farmers$8,348$3,602$2,336$2,290
USAA$4,385$2,159$1,406$1,400

Average car insurance for 30-year-olds by state

States require different amounts of car insurance, which influences the cost of coverage. Because of this, 30-year-old rates can vary widely by location. Maine has the cheapest coverage for 30-year-olds, and Louisiana has the most expensive.

Check out the table below to see average car insurance rates for 30-year-olds in your state.

StateFull coverage premium
Alaska$1,773
Alabama$1,958
Arkansas$2,051
Arizona$1,902
California$2,556
Colorado$2,464
Connecticut$1,814
Washington, D.C.$2,221
Delaware$2,122
Florida$2,873
Georgia$2,118
Hawaii$1,517
Iowa$1,742
Idaho$1,532
Illinois$1,666
Indiana$1,623
Kansas$2,030
Kentucky$2,367
Louisiana$3,062
Massachusetts$1,830
Maryland$1,855
Maine$1,251
Michigan$2,469
Minnesota$1,980
Missouri$2,159
Mississippi$2,154
Montana$2,316
North Carolina$1,780
North Dakota$1,740
Nebraska$2,054
New Hampshire$1,363
New Jersey$1,976
New Mexico$2,088
Nevada$2,176
New York$1,974
Ohio$1,529
Oklahoma$2,252
Oregon$1,758
Pennsylvania$2,020
Rhode Island$2,171
South Carolina$2,083
South Dakota$2,397
Tennessee$1,801
Texas$2,130
Utah$1,885
Virginia$1,562
Vermont$1,399
Washington$1,698
Wisconsin$1,791
West Virginia$2,158
Wyoming$1,793

Cheapest car insurance for 30-year-olds by company

Rates also vary considerably by company. For example, while one insurance company may consider age the determining rate factor, another may consider driving records more critical. By comparing coverage and rates from multiple companies, you can find the best deal for 30-year-olds, helping to reduce your insurance costs.

The table below compares average car insurance rates for 30-year-olds by company.

CompanyFull coverage premium
Nationwide$1,626
Travelers$1,752
Geico$1,829
State Farm$2,055
Progressive$2,182
Farmers$2,456
Allstate$2,626
USAA$1,503