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Cheap Car Insurance For New Drivers Over 30

Affordable insurance for new drivers over 30

How Drivers Over 30 Can Get Cheaper Rates

Getting cheap car insurance as a new driver over 30 can be a bit challenging, but with some research and effort, it’s 100% possible. As a new driver, you are considered high-risk by auto insurance companies, even if you are not a young adult, and over 30 years of age. 

However, being over 30 years old does work in your favor. With a clean driving record and some clever strategies, you can find cheap car insurance quotes, for a new, older driver over 30.  

While insurers see a new driver as more risk-prone, compared to those with a lot of experience, they also see drivers over 30 as more mature, which works in their favor.  

new and risk drivers

Tips for Drives Over 30

New drivers over 30 should do a few things right away to get cheaper rates. Here are a few proven tips.  

group of young people's driving insured cars to a lake in a nice road
  1. Take a Defensive Driving Course
Completing an approved defensive driving course can earn you a discount on your auto insurance. Defensive driving teaches you safe driving techniques and how to avoid accidents. Insurance companies reward this with lower premiums. Taking a defensive driving course before you start driving can maximize your savings and it could save your life!
  1. Choose a Lower-Risk Automobile
The make and model of the car you drive impacts your insurance rate a lot. Sports cars, high-end luxury vehicles, and muscle cars are considered high-risk and thus cost more to insure. Opt for a used sedan with four doors or another reliable car with standard safety features. Avoid modifications that enhance speed or performance. In general, stick to a vehicle with a lower risk profile.
  1. Select a Higher Deductible
Choose the highest deductible you can afford. A deductible is the amount you pay out of pocket on a claim before your insurance coverage kicks in. A higher deductible equals lower premiums. Opting for a $1,000 deductible can save you 10% and more off your premium. Raise it as high as you can while staying within your budget.
  1. Limit Your Miles
Drive fewer miles to reduce your premiums. Insurance companies calculate your rates based on how much time you spend behind the wheel. If you drive under 10,000 miles a year, you can reduce your rates significantly. When you can, take transportation, carpool, or bike, as much as possible to limit miles on your vehicle.
  1. Car Insurance Quotes for New Drivers Over 30
To demonstrate what car insurance rates can look like for new drivers over 30, here are some sample quotes from 10 major insurance companies, with three unique drivers.

Car Insurance Quotes for New Drivers Over 30

To demonstrate what car insurance rates can look like for new drivers over 30, here are some sample quotes from 10 major insurance companies, with three unique drivers. 

a 38 year old driver with a clean record

Driver 1: A 38-year-old single male, who drives a 2012 Honda Civic and has a clean driving record. 

  •  Geico: $126/month 
  • Progressive: $115/month
  • State Farm: $145/month
  • Allstate: $152/month  
  • Liberty Mutual: $161/month
  • Farmers: $147/month
  •  Travelers: $127/month
  • Nationwide: $159/month
  • USAA: $121/month (for military members)
  • Amica: $159/month

(USAA and Progressive are the low-cost winners in this example)

a sad 35 years old woman with a speeding tickets in her hands

Driver 2: a 35-year-old single female who drives a 2017 Toyota Camry with one speeding ticket.

  • Geico: $165/month
  • Progressive: $179/month  
  • State Farm: $182/month
  • Allstate: $211/month
  • Liberty Mutual: $188/month 
  • Farmers: $186/month
  • Travelers: $169/month
  • Nationwide: $199/month
  • USAA: $147/month (for military members)  
  • Amica: $171/month

(USAA and Travelers are the Winners in this example)

As you can see, quotes can vary significantly between insurance providers. USAA offers the lowest rates but is only available for military members and their families. Among companies available to the general public, Amica and Travelers tend to offer the cheapest car insurance for new drivers over 30. Progressive and Geico Insurance also have cheap rates for drivers who are over 30 years of age.  

Tips for Saving Money on Car Insurance for New Drivers Over 30

happy couple driving their car after getting insurance quote from the top five provider

Shop around

  1. Get quotes from at least 5 insurers before choosing one. Rates can vary a lot between companies.

happy woman after getting discount for a defensive driving course she past

Ask for discounts

  1. Inquire about discounts for defensive driving courses, good student, multi-policy, anti-theft devices, etc.

removing collision and comprehensive coverage can reduce your premium

Limit coverage

  1. Removing collision and comprehensive coverage can lower premiums if you drive an old car.

happy construction employers after getting auto insurance discount

Check with employers

  1. Some companies offer auto insurance discounts for employees.

Bundle policies

  1. Insure both your home and automobile with the same provider and qualify for a multi-policy discount.

happy girl with an excellent car credit score

Maintain good credit

  1. Having good credit can help score lower premiums with many insurers.

a black woman with her seatbelt across her chest

Drive safely

  1. A clean record with no accidents or tickets can minimize rates.

a woman showing a telematic feature in her car

Consider usage-based programs

  1. These use telematics or apps to base rates on driving behavior.

Increase liability limits

  1. This may seem counterintuitive, but lower premiums are possible with higher liability limits in some cases.

a quite guy with is car all self-confident after paying 6-month auto insurance in advance

Pay premiums upfront

  1. Paying 6 months or a year upfront rather than monthly can reduce overall costs.

a happy guy in his car after checking affordable car insurance rates online

Check Rates Before You Buy a Car

  1. Compare insurance rates for different vehicles you may be considering purchasing.

Shopping Smart

By shopping smart and utilizing some of these car insurance savings strategies, new drivers over 30 can find cheaper rates. New drivers over 30 years of age can get cheap insurance coverage under $130 a month if they shop around and compare quotes, take advantage of discounts, and drive a car that’s cheap to insure. 

 

To compare auto insurance quotes where you live, enter your zip code and fill out an online application. See how easy it is to get cheap car insurance for drivers over 30 and save hundreds on the coverage you need.  

a guy comparing insurance quotes on his laptop
Author: David Haan

Author: David Haan

David Haan is a professional writer who has a passion for writing about financial topics: including investing, insurance, and entrepreneurship. David has a way of simplifying complex financial topics to make it easy for anyone to understand. During his free time, he likes to play volleyball, surf, and listen to jazz music.