A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years Leslie Kasperowicz

UPDATED: May 6, 2022

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Important Facts to Know

  • The average cost of car insurance in America is $84 per month or $1,009 annually
  • First-time drivers over the age of 30 will pay higher than average rates for car insurance because of a lack of driving experience
  • If you’re a new driver over age 30, comparison shopping, seeking out discounts, and purchasing the right level of coverage can help you save on car insurance costs

It’s typical for most people to start driving in their teens or early 20s. While the average person in the United States is used to getting their license within 12 months of becoming eligible, more and more teens are choosing not to pursue getting their license right away. But sometimes finding cheap car insurance for first-time drivers over 30 can be difficult.

With the high cost of car insurance for young drivers and different services like Uber and Lyft gaining popularity, driving isn’t always essential. But what is good car insurance coverage for a first-time driver over 30? Read through our guide to find out.

Start comparing car insurance quotes for first-time drivers over 30 today, so you don’t end up paying too much with the wrong company. Just enter your ZIP code into our free tool above to start getting affordable car insurance quotes for first-time drivers over 30.

What is the best car insurance for first-time drivers over 30?

At some point, young adults usually decide it’s time to stop relying on public transportation and driving services to get around. This is one reason why there’s a rise in the number of first-time drivers who are in their 20s and 30s.

Being able to independently commute and the desire to start a family are other reasons why 30-year-olds finally choose to test for their license.

On average, Americans pay $84 per month or $1,009 annually for car insurance. Does car insurance for drivers over 30 go down?  If you have years of driving experience, the answer is yes. But if you’re a new driver, it’s a little more complicated.

Take a look at the table below to see average car insurance rates by age and gender.

Average Annual Car Insurance Rates Based on Age, Gender, and Marital Status
CompaniesAverage Annual Rates for Married 60-Year Old FemaleAverage Annual Rates for a Married 60-Year Old MaleAverage Annual Rates for a Married 35-Year Old FemaleAverage Annual Rates for a Married 35-Year Old MaleAverage Annual Rates for a Single 25-Year Old FemaleAverage Annual Rates for a Single 25-Year Old MaleAverage Annual Rates for a Single 17-Year Old FemaleAverage Annual Rates for a Single 17-Year Old Male
State Farm$1,873.89$1,873.89$2,081.72$2,081.72$2,335.96$2,554.56$5,953.88$7,324.34
American Family$1,992.92$2,014.38$2,202.70$2,224.31$2,288.65$2,694.72$5,996.50$8,130.50
Liberty Mutual$3,445.00$3,680.53$3,802.77$3,856.84$3,959.67$4,503.13$11,621.01$13,718.69
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As a new driver over 30, car insurance rates will likely be higher than those of the 25-year-old and 35-year-old drivers on the road, but less than what teenagers pay. Rates for 17-year-old drivers are the highest and can be up to 200% higher than older, more experienced drivers.

Because you lack driving experience, you’re more likely to get into an accident or file claims. Therefore, your car insurance rates will be higher than drivers of the same age with more experience.

What is the cheapest insurance for new drivers? Regardless of your age, GEICO, American Family, and USAA car insurance are good options for newer drivers. As you can see from the data above, the younger and more inexperienced you are, the higher your rates will be.

The older you get, the lower your rates are. Insurance rates for first-time drivers over 25 and car insurance for new drivers over 21 will follow similar patterns, though rates may be slightly higher than those given to 30-year-old drivers because of the age difference.

If you’re a first-time driver at the age of 30, here’s what you need to know about insurance.

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Is car insurance mandatory for first-time drivers over 30?

Do all states require car insurance? Almost. The only exception is New Hampshire, where you can not purchase car insurance if you’re able to prove financial responsibility. In all 49 other states, car insurance is required by law.

If your mission is to become a driver first and a vehicle owner second, you need to learn about compulsory insurance laws. Becoming a driver doesn’t automatically create a need for insurance.

If you’re borrowing cars or renting vehicles, you can buy a special non-owners policy just so that you have financial protection, but this isn’t coverage that’s mandatory.

It’s not until you take the leap to buy a car and register it in your name that you have to buy a standard auto policy. Mandatory car insurance requirements will apply to you when you’re the legal owner of a car.

You need to look at the state requirements, find out how much coverage you’re required to buy, and purchase coverage from a carrier in the state to avoid any penalties.

First, take a look at the table below to learn some common car insurance abbreviations we will refer to.

Minimum Mandatory Car Insurance Requirements Abbreviations
BIBodiliy Injury
PDProperty Damage Liability
PIPPersonal Injury Protection
UMUninsured Motorist
UIMUnderinsured Motorist
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You can refer back to this table to help you better understand the legal state minimum requirements. The next table shows the specific minimum mandatory requirements in your state, as reported by the Insurance Information Institute. Check them out below.

Minimum Mandatory Car Insurance Requirements by State
StateInsurance Required in the StateMinimum Liability Limits
AlabamaBI & PD Liab25/50/25
AlaskaBI & PD Liab50/100/25
ArizonaBI & PD Liab15/30/10
ArkansasBI & PD Liab, PIP25/50/25
CaliforniaBI & PD Liab15/30/5
ColoradoBI & PD Liab25/50/15
ConnecticutBI & PD Liab, UM, UIM25/50/20
DelawareBI & PD Liab, PIP25/50/10
District of ColumbiaBI & PD Liab, UM25/50/10
FloridaPD Liab, PIP10/20/10
GeorgiaBI & PD Liab25/50/25
HawaiiBI & PD Liab, PIP20/40/10
IdahoBI & PD Liab25/50/15
IllinoisBI & PD Liab, UM, UIM25/50/20
IndianaBI & PD Liab25/50/25
IowaBI & PD Liab20/40/15
KansesBI & PD Liab, PIP25/50/25
KentuckyBI & PD Liab, PIP, UM, UIM25/50/25
LouisianaBI & PD Liab15/30/25
MaineBI & PD Liab, UM, UIM, Medpay50/100/25
MarylandBI & PD Liab, PIP, UM, UIM30/60/15
MassachusettsBI & PD Liab, PIP20/40/5
MichiganBI & PD Liab, PIP20/40/10
MinnesotaBI & PD Liab, PIP, UM, UIM30/60/10
MississipiBI & PD Liab25/50/25
MissouriBI & PD Liab, UM25/50/25
MontanaBI & PD Liab25/50/20
NebraskaBI & PD Liab, UM, UIM25/50/25
NevadaBI & PD Liab25/50/20
New HampshireFR only25/50/25
New JerseyBI & PD Liab, PIP, UM, UIM15/30/5
New MexicoBI & PD Liab25/50/10
New YorkBI & PD Liab, PIP, UM, UIM25/50/10
North CarolinaBI & PD Liab, UM, UIM30/60/25
North DakotaBI & PD Liab, PIP, UM, UIM25/50/25
OhioBI & PD Liab25/50/25
OklahomaBI & PD Liab25/50/25
OregonBI & PD Liab, PIP, UM, UIM25/50/20
PennsylvaniaBI & PD Liab, PIP15/30/5
Rhode IslandBI & PD Liab25/50/25
South CarolinaBI & PD Liab, UM, UIM25/50/25
South DakotaBI & PD Liab, UM, UIM25/50/25
TennesseeBI & PD Liab25/50/15
TexasBI & PD Liab, PIP30/60/25
UtahBI & PD Liab, PIP25/65/15
VermontBI & PD Liab, UM, UIM25/50/10
VirginiaBI & PD Liab, UM, UIM25/50/20
WashingtonBI & PD Liab25/50/10
West VirginiaBI & PD Liab, UM, UIM25/50/25
WisconsinBI & PD Liab, UM, Medpay25/50/10
WyomingBI & PD Liab25/50/20
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As you can see, rates vary by state, but there is some liability coverage requirement in nearly every state. If there weren’t any type of mandatory coverage requirements in place, likely only very forward-thinking drivers would buy insurance.

There’s a need for rules and for enforcement of these rules to ensure everyone has protection when they are driving, walking, or biking on public streets. Here’s what’s typically required by law when you’re buying your first auto policy:

  • Bodily Injury Liability – a third-party coverage that pays for emergency medical transport, hospital bills, and other types of reasonable medical treatment for the other driver involved in an accident when you are at fault.
  • Property Damage Liability – a third-party coverage that pays for repair bills or for damaged property for the other driver as a result of an accident you are at fault for.

If you’re going to finance your first car, make sure you’re prepared to pay for full coverage premiums. While there is no single full coverage insurance definition, usually it includes your state’s minimum insurance requirements as well as some form of comprehension and collision protection.

When financing or leasing a vehicle, you are often obligated to carry comprehensive and collision insurance to stay in good standing with your lender. How much might that cost you? Find averages for your state in the table below.

Average Annual Car Insurance Rates by Coverage Level By State
StateFull Coverage Average Annual RatesComprehensive Coverage Average Annual RatesCollision Coverage Average Annual RatesLiability Coverage Average Annual Rates
District of Columbia$1,330.73$233.24$468.67$628.82
New Hampshire$818.75$110.77$307.42$681.56
New Jersey$1,382.79$131.35$381.86$400.56
New Mexico$937.59$172.57$276.98$869.57
New York$1,360.66$171.12$385.02$488.03
North Carolina$789.09$136.08$293.59$804.51
North Dakota$773.30$231.04$244.09$359.42
Rhode Island$1,303.50$132.19$411.51$499.06
South Carolina$973.10$180.94$265.07$759.80
South Dakota$766.91$258.11$208.58$527.09
West Virginia$1,025.78$204.28$329.67$491.83
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The average cost of full coverage car insurance for an experienced driver is about $323 more per year than a basic policy. Because you lack driving experience, your rates will likely be a bit higher than what is on the tables.

Do first-time drivers over age 30 pay higher than average car insurance rates?

At the age of 30, you would think that you have enough life experience not to be classified in the same group as teen drivers. Unfortunately, that’s not how the world of car insurance works when prices are being set.

Since you’re inexperienced as a driver, in the eyes of the insurer, you’re almost as risky to insure as a teen.

Usually, your age will only work against you when you’re getting quotes if you’re under the age of 25. The rule of thumb is that car insurance is most expensive for drivers who are between the ages of 16 and 19, but you’ll typically pay more for insurance until you’re 25.

As the driver ages, the rates will gradually fall. At 25, age is something that won’t really have a negative effect on rates.

In addition to age and driving history, auto insurance companies will take your gender, location, and credit score into account when setting your monthly rate.

Will driving experience affect car insurance rates for first-time drivers over 30?

Two major factors affecting car insurance premiums are your age and your driving experience. Usually, older drivers have more driving experience than younger drivers. However, as a new driver over the age of 30, you do not have any driving experience yet.

When you’re newly licensed at the age of 30, your age will help keep your rates lower than if you were a new teenage driver. However, insurance carriers always look at how long someone has had their U.S. driver’s license when they are assessing risk. Anyone who has very little driving experience will be surcharged for being inexperienced.

Over the years, experience credits will accumulate, and the rates will fall. First-time drivers, no matter their age, could find themselves paying rates as if they were teens still in high school.

Can gender affect car insurance rates for a first-time driver over 30?

An inexperienced male driver will pay more than an inexperienced female driver. This is often referred to as the gender bias in the industry, but it’s been proven that first-time male drivers tend to have more losses and more serious losses than their female counterparts.

Data reported by the Insurance Institute for Highway Safety shows that gender can have an influence on fatal vehicle accidents. Typically, men cause more fatal accidents each year than women. Women also file fewer claims than men.

Insurers are typically free to use statistics like this when determining your car insurance rates. Therefore, if you’re a male, you’ll typically pay more for car insurance coverage then female drivers. That gap is not very large, to begin with, and it will gradually shrink as you age.

However, in states like California and Hawaii, among others, it is illegal to adjust rates based on gender.

Depending on where you live, gender may or may not be a factor in your rates, but driving experience and history will nearly always be a factor.

Do you need a driver’s license to buy car insurance as a 30-year-old first-time driver?

Insurance isn’t something you can just buy in the blink of an eye. Since it’s a financial contract between a vehicle owner and an insurance company, the company has to verify that applicants are eligible for coverage before there will be any offer of coverage.

One of the main requirements is that the named insured must have a valid license.

You don’t have to have a driver’s license to buy a vehicle. If you’re getting ready to start learning how to drive, or you’re just getting ready for the day that you pass your driver’s exam, you may want to buy a starter car and park it in your driveway.

When you’re the legal owner of a car, you have to buy car insurance on the car right away.

Finding insurance might prove to be a difficult task. Some carriers will offer named insureds coverage if they aren’t licensed, but they have someone else driving the vehicle who is.

If you buy a car before you actually get your driver’s license, it could be helpful to buy insurance in your name and add a licensed family member with a good record as the primary driver.

How can I find low-cost car insurance for first-time drivers over 30?

You should be prepared to pay more than the average 30-year-old if you’re a first-time driver, but that doesn’t mean that you have to accept a high quote right away. What is the cheapest way to insure a new driver, regardless of age?

There are ways to keep your rates low and find cheap car insurance. Here are some tips to consider when you’re getting quotes for the first time:

  • Take high deductibles on physical damage coverage to avoid surcharges on your monthly premium after an at-fault accident.
  • Only purchase as much insurance as you need, depending on state requirements and the value of your vehicle.
  • Buy your renter’s or homeowner’s insurance through the same company so you can bundle your coverage.
  • Insure all of your household cars with the same carrier.
  • Try to carpool or take public transportation at times to keep annual miles down.
  • Let the insurer know if you don’t commute in your car.
  • First-time drivers haven’t had a lot of time to learn how to drive defensively. Taking a driver’s education course can help you qualify for various safe driver discounts.

Who is best for first-time car insurance? Honestly, if you’re trying to find a competitive rate, it’s best to shop the market.

Get quotes online to shop around, and you’ll be able to look over multiple quotes in just one sitting. You can also speak with licensed insurance agents to find out what kind of discounts you may qualify for as a new driver. It is also recommended that you compare rates from different companies every time your insurance policy renews.

You should also look into insurance discounts, which are offered by most major car insurance companies. If you’re in college, you might be entitled to a good student discount, but other options include the multi-policy discount, multi-car discount, defensive driving course discount, and various discounts for drivers who belong to certain associations and organizations.

These tips apply regardless of age, so you can use them to find the best car insurance for new drivers under 25, cheap car insurance for new drivers under 21, and car insurance for any age regardless of experience.

What’s the bottom line?

When you’re looking for the best insurance for new drivers over the age of 30, there are a few things to keep in mind. First, remember that car insurance averages will always vary from state to state and from company to company.

If you’re shopping for car insurance as a first-time driver over 30, the best thing to do is compare rates.

Insurers don’t just look at age; they also look at the applicant’s driving experience when they set car insurance rates.

First-time drivers are already considered to be at a higher risk to insure. Prove you are safe and reliable by always practicing safe driving techniques on the road. You may eventually qualify for even more discounts.

Finally, regardless of age, insurance is typically required in order to legally drive. So you’ll need to find the best coverage to meet your needs if you plan to get behind the wheel.

Ready to buy car insurance for first-time drivers over 30? Start shopping for insurance as a first-time driver over 30 right now. Enter your ZIP code into our free quote tool below. Which car insurance company for first-time drivers over 30 is right for you? Find out now.

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Frequently Asked Questions: Car Insurance for First-Time Drivers Over 30

You are now an expert on securing cheap car insurance for first-time drivers over age 30. Refer back to this guide as much as needed while you comparison shop for affordable car insurance for first-time drivers over 30.

Do you still have questions about finding car insurance as a new driver over 30? Or about securing cheap car insurance for new drivers in general? Read through these frequently asked questions to learn more.

#1 – What is the cheapest first car to insure?

Cheaper vehicles with no customization are often cheaper to insure because they cost less to repair in the event of an accident. However, as we’ve already discussed, personal factors like your driving experience and record, average commute length, and more also have an effect on your rates.

#2 – Who has the cheapest car insurance for seniors?

Based on the rates we looked at earlier, USAA and State Farm offer the best rates for individuals who are over 30 years old.

#3 – What cars have the cheapest insurance for first-time drivers?

Affordable economy sedans that are cheap to fix and replace will be the best vehicles for first-time drivers to insure.

#4 – How does my credit score affect my car insurance rate?

Your credit history plays a big role in determining how much money you pay each month for car insurance. If you have bad or poor credit, it could increase your monthly premium significantly.

#5 – How much coverage do I need?

That depends on where you live and what kind of car you drive. Your state likely has minimum coverage requirements, but those usually consist of liability insurance only. If you want your own damages to be covered after an accident or other incident involving your car, you will need to add collision and comprehensive coverage.