The Best Cheap Car Insurance and Average Costs for 30-Year-Olds

cardinal Takeaways

For a 30-year-old driver, MoneyGeek found that GEICO has the cheapest average rates, while Progressive has the most expensive.

When shopping about for a newfangled car, and before you buy, get quotes for several cars to find out which has the best car insurance rates . A few ways to get cheap car policy rates as a 30-year-old include sticking with a kin policy, keeping a clean drive record and asking about discounts. Loading …

How Much Does Car Insurance Cost for a 30-Year-Old?

When patronize and compare cable car policy quotes, cost is a big gene in deciding which car policy company to go with. According to MoneyGeek ’ mho data collection, the average 30-year-old can expect to pay roughly $ 1,267 in annual premiums. Each car indemnity company has different coverage options available, so it ’ s a effective idea to get multiple quotes to find out which car policy company is the best for your budget and coverage needs . ANNUAL CAR INSURANCE PREMIUM FOR A 30-YEAR-OLD The average annual premium for a 30-year-old driver is $1,267.

Cheapest Car Insurance Companies for 30-Year-Old Drivers

When comparing cable car policy quotes, you ’ ll notice that costs vary from company to company. This is because, while the companies use the same information, they use the data differently. When shopping for car indemnity, be prepared to provide your :

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

The car policy companies will use this information to determine the best rates for your coverage needs. We found that for a 30-year-old driver, the cheapest cable car indemnity company is GEICO, with a $ 1,019 median annual bounty for comprehensive examination and collision coverage. The most expensive is progressive, with a $ 1,464 average annual bounty.

Cheapest Companies for an Individual 30-Year-Old Policy

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• party agio
• 1. GEICO $ 1,019
• 2. submit farm $ 1,203
• 3. nationally $ 1,349
• 4. Allstate $ 1,358
• 5. progressive $ 1,464

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Car Choice Matters for Insurance Costs

Whether you ’ re a adolescent driver or a 30-year-old driver with experience, the character of car you drive can affect your rates. The most expensive cars to insure careless of age crop are high-performance cars and vehicles with a high price tag. Sedans and low-cost SUVs tend to be the cheapest to insure, like the :

• Honda CR-V
• Chrysler Pacifica
• Toyota Camry
• Chevrolet Impala

Strategies to Save Money on Car Insurance for a 30-Year-Old

One way to get significant savings is to add a 30-year-old to a syndicate cable car indemnity policy. If your family has more than one car, a multi-car rebate applies, and the family could be eligible for more discounts. here are a few more strategies to get the best rate on car indemnity.

Compare Quotes for the Best Policy

Another strategy for cheap car indemnity for a 30-year-old is to use an car policy quotes comparison with multiple companies. Comparing the same coverage across unlike companies can help you decide which is the best cable car indemnity company to fit your budget. According to MoneyGeek data, comparison shopping can save you $ 445 in annual premiums or more. When it comes to car indemnity, it pays to shop around.

Ensure a Clean Driving Record

While the affect international relations and security network ’ t equally meaning as with younger drivers, tickets and accidents can dramatically increase car insurance costs for a 30-year-old. To keep rates low, maintain a clean drive record by sticking with the accelerate limit, avoiding distractions and paying attention to your surroundings to avoid accidents and tickets.

Find Companies That Offer Discounts

The more discounts you qualify for, the better your chances of getting the best rates for cheap car insurance. As a 30-year-old, some indemnity companies offer discounts for defensive drive courses, but this varies by state. This rebate helps reduce accident rates by making you a safer driver, which can save families money over time. Purchasing a new car with safety features like anti-lock brakes, airbags and an anti-theft system can besides provide discounts on car policy. These discounts can add up excessively. With GEICO, for example, you can save up to 50 % on your car indemnity rates by insuring a new car with guard features. These are just a few of the discounts cable car indemnity companies offer, so make certain to ask about all available discounts to get the best car coverage rates.

Lower the Coverage Amount

Another way to save on car insurance as a 30-year-old is to consider liability-only coverage if you own an cheap car. If you are thinking of going this path, consider it cautiously, as not having comprehensive examination or collision coverage means there ’ s no coverage if you ‘re at fault for damaging the car. If you can ’ metric ton afford to fix or replace your cheap car, this might not be the best strategy for you.

Choose a Sedan Over a Sports Car

You may like sports cars and expensive lavishness cars, but you won ’ thymine find cheap car policy rates for them. When comparing a Toyota Camry with a Ford Mustang for a 30-year-old added to a family plan, the cost is an estimate $ 733 more annually for the Ford ( approximately $ 2,000 ) vs. the Camry ( roughly $ 1,267 ). If you ’ rhenium car shop, it ’ s a good idea to get quotes on the cars you ’ rhenium interested in buy, so you know the costs before you buy. This can save you large, specially if you like more expensive cars.

Why Is Car Insurance So Expensive for a 30-Year-Old?

many factors go into determining car indemnity rates, and this applies to all old age ranges. The average 30-year-old should be mindful of the criteria used by car policy companies to find the best brassy rates :

• Age
• Gender
• Location
• Credit score
• Driving record
• Coverage amount
• Type of car

Traffic Statistics for 30-Year-Old Drivers

Companies besides take into account accident, injury and fatality statistics to determine car insurance rates. Younger drivers, who are more likely to be involved in accidents, tend to have higher rates. Drivers in their 30s, 40s, and 50s, on the other handwriting, tend to have lower rates in comparison. According to statistics from the AAA Foundation for Traffic Safety, there were 7,349 driver deaths in 2014–2015 in the 30- to 59-year-old age group — and the lowest rate of driver deaths per head per 10,000 miles drive ( 3.9 deaths per caput ) of all the age groups.

Traffic Accidents Per 100 Million Miles Driven

While the hazard of accidents goes down for 30-year-olds compared to younger long time groups, it ’ randomness still significant. So it ’ s significant to stay alarm, avoid distractions and drive within the speed terminus ad quem to avoid being involved in an accident . Keeping the two-second govern in beware can help you stay condom on the road : Whenever there ’ s a cable car in presence of you, try to stay at least 2 seconds behind them to give you enough time to react in the event of unexpected brake. In inclement weather or if person is driving erratically in front of you, you ’ ll want to allow even more time. Loading …

Methodology

To determine the average monetary value of car indemnity for a 30-year-old, MoneyGeek collected data for drivers in this age roll. The datum provided the best cheap cable car insurance premiums and companies based on a 30-year-old driver with no tickets or accidents.

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About the generator Mandy Sleight is a writer for MoneyGeek and has been an insurance agentive role since 2005. As a freelancer writer, she uses her huge cognition of the policy industry to create enlightening, engaging and easy-to-understand content for consumers. Her shape has been featured in Market Watch, Kiplinger and other major publications.