By the time a driver reaches the age of 30, they’re often well-established their careers, may have their first home or condo and quite possibly, have started a family. All those things add up to creating a more stable profile of you as a driver, leading to lower insurance rates.

Another significant change may have happened in your life – you may be working remotely or part-time from home, particularly in a post-pandemic world. That, too, can lead to savings if you tell your insurance carrier.

“You may no longer be commuting to work and driving a lot less than before,” says Kevin Lynch, an assistant professor of insurance at The American College of Financial Services in Bryn Mawr, Penn. “Those are important lifestyle changes, but a lot of people don’t think to tell their insurance company about it.”

Combined with a clean driving record and good credit score, it could lead to big savings on car insurance.

The average national car insurance rate for a 30-year-old driver is about $1,673 per year or $139 per month, for a full coverage policy. It represents a $200 drop from a driver’s expected rate at age 25.

Read on to learn more about car insurance for 30-year-olds and ways to save.

Key Highlights
  • For a full coverage policy, a 30-year-old driver pays an average of $1,673 per year or $139 monthly for car insurance.
  • Male drivers are still assessed at higher rates than females, but the gap is minor compared to their early 20s. 
  • Males pay an average of $1,681 for a full coverage policy, while females pay $1,665.
Written by:
Mel Duvall
Contributing Researcher
Mel Duvall is an award-winning senior business writer and communications professional. He served as Senior Media Manager for Husky Energy, a fully integrated energy company with operations in Canada, the United States, China and Indonesia. Mel also served a three-year term on the Mount Royal University Journalism Committee.
Reviewed by:
Laura Longero
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Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

What’s the average cost for a 30-year-old?

Tip iconAverage car insurance rates for 30-year-olds

The average car insurance rate for a 30-year-old at three coverage levels is as follows per year:

  • State minimum liability coverage: $498
  • Liability coverage with limits of 50/100/50: $620
  • 100/300/100 liability with a $500 comprehensive and collision deductible: $1,673

What you pay will vary depending on many factors, ranging from the insurance company you choose to where you live, coverage levels and the deductible you select.

See the table below to see how much car insurance costs for males vs. females at various coverage levels in each state.

Average car insurance cost by coverage levels in each state for a 30-year-old male & female
State State Minimum Female State  Minimum Male Liability Only Female Liability Only Male Full Coverage Female Full Coverage Male
Washington D.C.$595$589$683$677$1,880$1,916
North Carolina$392$392$431$431$1,344$1,344
North Dakota$356$341$370$356$1,337$1,372
New Hampshire$415$412$451$448$1,337$1,356
New Jersey$1,063$994$1,210$1,141$1,995$1,980
New Mexico$393$385$574$558$1,578$1,587
New York$945$906$1,032$995$2,133$2,147
Rhode Island$627$617$773$760$1,786$1,804
South Carolina$709$680$896$847$2,085$2,071
South Dakota$280$281$303$303$1,592$1,672
West Virginia$448$441$507$498$1,614$1,603


  • State Minimum: State Minimum Liability Only 
  • Liability Only: 50/100/50 Liability Only
  • Full Coverage: 100/300/100 is liability with comp/collision and $500 deductible.

Check out our detailed guide on the average car insurance rates by age

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

Full coverage car insurance costs $139 per month for full coverage. See the rates for other coverage levels for a 30-year-old in the table below.

Monthly cost of car insurance for 30-year-olds 
Coverage levelNational average cost per month
Liability-only coverage$42
50/100/50 coverage$52
Full 100/300/100 coverage$139

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

Unlike when male drivers were in their teens or early 20s, at age 30, insurance companies no longer consider them as risky. Statistics from the Insurance Institute for Highway Safety back that evaluation.

There is hardly any gap between the average premium rate for a man or a woman.

Certain lifestyle changes can even further lower your risk profile, such as getting married, having kids and buying a house. 

“Even if you don’t have a great driving record, having a college degree, getting married … all those things can help to lower your rates,” says Jana Foster, owner of Nevada Insurance Agency, a full-service brokerage with offices in Carson City and Reno, Nevada. 

Of course, having an excellent driving record would be the icing on the cake.

The average national full coverage insurance policy cost for a 30-year-old male with a $500 comprehensive/collision deductible is $1,681. That’s down from the average of $1,924 at age 25.

Average annual insurance rates for 30-year-old males
Coverage levelAverage annual rate for 30-year-old males
Liability-only coverage$493
50/100/50 coverage$612
Full 100/300/100 coverage$1,681

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

With a good driving record and credit score, female drivers will also notice their insurance rates have dropped substantially by age 30.

The average national cost of a full coverage insurance policy for a 30-year-old female with a $500 comprehensive/collision deductible is $1,665, a savings of about $141 from what they would have paid at age 25. 

Average annual insurance rates for 30-year-old females
Coverage levelAverage annual rate for 30-year-old females
Liability-only coverage$502
50/100/50 coverage$628
Full 100/300/100 coverage$1,665

What’s the best car insurance for 30-year-old drivers?

Start with liability car insurance, which pays for others’ injuries and damage you cause to their property in an accident. Typically, the state-minimum coverage isn’t enough – particularly as you accumulate assets, such as a house. Medical costs can quickly escalate if significant injuries follow an accident and property damages.

If you’re financing a vehicle, states usually require comprehensive and collision coverage. If you paid off your car, you decide to continue with these coverages, which cover your car following a crash and for damage due to fire, hail, vandalism and animal strikes.

Increasingly, as young adults gain more disposable income and perhaps have a newer car, they will want comprehensive insurance and collision coverage. If you have a higher deductible, you can lower your rate but will have to pay for minor repairs following an accident.

Lynch says drivers may also consider boosting their liability coverage for added protection around this age. 

“If you’re a high-income individual and own your own home, it’s a good consideration,” he says. “Some people think if I get four times the liability coverage, it’s going to cost four times as much. That’s just not the case. If you’re a mature driver, with a good record, the cost difference between a good policy and a great policy is very small.”

Car insurance discounts for 30-year-olds

The three most significant factors anyone can have in terms of getting the lowest insurance rates is to stay accident-free, have a clean, infraction-free driving record and maintain a good credit score.

After that, it pays to look for various discounts and affiliations that could bring further savings.

Take advantage of discounts for establishing paperless billing, paying your premium upfront and bundling auto with policies like home and renter’s insurance.

If you’re working in a trade or for a sizable company, check to see if your trade association has a discount arranged with an insurance carrier or if your company has a partnership. Many professional associations, from doctors to lawyers, accountants, dentists and others, may also be eligible for discounts from certain carriers.

Guide: How to lower car insurance in 2023

Final thoughts on car insurance for 30-year-olds

As you head towards your middle-age years, you can expect to see further declines in your insurance, but they will be minimal compared to the declines you experienced in your early 20s. Also, inflation is sure to eat away at further savings.

For example, the average full coverage insurance rate for a 40-year-old is $1,584, less than a $100 drop from what you’ll pay at 30.

Also, remember that as you get older, your kids will become increasingly part of your lifestyle and you may drive more, not less.

“I probably put more miles on my car now than I ever have,” Foster says. “I’m like an Uber driver for my kids.”

It pays to shop around and compare rates with several different insurers. You can easily do that with an online calculator or by contacting an independent agent.

Resources & Methodology


Insurance Institute for Highway Safety, Highway Loss Data Institute. “Fatality Facts 2020, Males and Females.” Accessed May 2023.

Methodology commissioned Quadrant Information Services in 2023 to field rates for auto insurance for 30-year-olds at various coverage levels and for males and females by gender.

Laura Longero

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Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John is the editorial director for, and Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

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Contributing Researcher

Mel Duvall is an award-winning senior business writer and communications professional. He served as Senior Media Manager for Husky Energy, a fully integrated energy company with operations in Canada, the United States, China and Indonesia. Mel also served a three-year term on the Mount Royal University Journalism Committee.