When it comes to car insurance for 30-year-old drivers, the cost can vary depending on the coverage levels chosen. On average, car insurance for 30-year-old drivers can cost around $505 per year or $42 per month for state minimum liability only coverage. Opting for 50/100/50 liability coverage can increase the average cost to $626 per year or $52 per month. For more comprehensive coverage with 100/300/100 liability and a $500 deductible for comprehensive and collision, the average cost jumps to $1,716 per year or $143 per month.

Coverage level Average annual premium Average monthly premium
State Minimum Liability Only $505 $42
50/100/50 Liability Only $626 $52
100/300/100 Liability with $500 Comp/Coll Deductible $1,716 $143

Average car Insurance rates for 30-year-old male and female: Decoding gender impact

Gender can also play a role in determining car insurance rates for 30-year-old drivers. On average, 30-year-old females can expect to pay around $1,702 per year for car insurance, while their male counterparts may face slightly higher rates at $1,716 per year.

Gender Average annual premium Average monthly premium
Female $1,702 $142
Male $1,716 $143

How average car insurance rates for 30-year-old vary by State

Car insurance rates for 30-year-old drivers can vary significantly depending on the state they reside in. For example, in Alaska, the average cost for car insurance for a 30-year-old is $1,442 per year, while in Alabama it is $1,533 . In other states like Florida and Louisiana, the average cost can skyrocket to $2,690 and $2,654 per year, respectively. On the other end of the spectrum, Ohio offers the lowest average cost at $1,089 per year.

State Average annual premium Average monthly premium
Texas $1,922 $160

Low-cost car insurance for 30-year-old: Drive without breaking the bank

Finding affordable car insurance for 30-year-old drivers is possible. Some companies offer lower average annual costs, such as American National Finance at $857 , Palisades at $1,095 , and Mapfre Insurance at $1,177 .

Comparing rates from multiple insurers is one of the easiest ways to find which insurer offers the lowest cost for 30-year-old driver and provides all the required coverage.

Company group Average annual premium Average monthly premium
American National Finance $857 $71
North Carolina Farm Bureau $1,265 $105
Safety Insurance $1,325 $110
Nationwide $1,259 $105
USAA $1,295 $108
Geico $1,307 $109
New Jersey Manufacturers $1,357 $113
Palisades $1,095 $91
Erie Insurance $1,382 $115
American Family $1,518 $127
Vermont Mutual $1,298 $108
Auto-Owners $1,441 $120
State Farm $1,482 $123
Amica Mutual $1,377 $115
Travelers $1,613 $134
Arbella Insurance $1,732 $144
Island Insurance $1,668 $139
Frankenmuth Insurance $1,503 $125
Southern Farm Bureau $1,713 $143
Western National Mutual $1,766 $147
Progressive $1,837 $153
Mapfre Insurance $1,177 $98
Shelter Insurance $2,345 $195
Farmers $2,112 $176
Allstate $2,134 $178
Country Financial $2,379 $198
Auto Club Enterprises (AAA) $2,020 $168
Westfield Insurance $1,823 $152
Iowa Farm Bureau $2,455 $205
Kentucky Farm Bureau $2,266 $189
The Hartford $2,704 $225
National General Insurance $2,631 $219
Mercury Insurance $2,463 $205
CSAA Insurance (AAA) $2,490 $208
Automobile Club MI (AAA) $2,681 $223
Kemper Insurance $2,773 $231
Oklahoma Farm Bureau $2,642 $220
Chubb Ltd $2,479 $207
Safeway Insurance $3,038 $253
The Hanover $4,529 $377
Sentry Insurance $5,170 $431


Car insurance costs for 30-year-old drivers can vary based on coverage levels, gender, state of residence, and choice of the insurance company. Opting for higher coverage increases the average cost, while gender differences can also impact insurance rates. The average cost varies significantly by state, with some states having substantially higher premiums than others. However, affordable options exist, and it is possible to find lower-cost insurance for 30-year-old drivers by comparing rates from different insurers.


CompuQuote commissioned 2022 data for Average car insurance rates for 30-year-old drivers from Quadrant Information Services for all 50 states and Washington, D.C. Rates are based on the following profile:

  • 30-year-old driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

CompuQuotes analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Information Services are for comparison purposes only; your rates may differ.

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