Car Insurance for 30-Year-Olds: Average Rates by State (2026)
Quick Answer
A 30-year-old driver pays an average of $193/month ($2,314/year) for full coverage car insurance nationally. Rates vary significantly by state — select yours below for exact estimates.
✓ Updated March 2026✓ Based on state insurance filings
Average Rates by State for 30-Year-Olds
| State | Full Coverage | Monthly | Min Coverage | |
|---|---|---|---|---|
| Maine | $1,182/yr | $99/mo | $348/yr | Details |
| Vermont | $1,218/yr | $102/mo | $366/yr | Details |
| New Hampshire | $1,254/yr | $105/mo | $372/yr | Details |
| Idaho | $1,296/yr | $108/mo | $378/yr | Details |
| Ohio | $1,356/yr | $113/mo | $396/yr | Details |
| North Carolina | $1,428/yr | $119/mo | $468/yr | Details |
| Iowa | $1,476/yr | $123/mo | $396/yr | Details |
| Wisconsin | $1,494/yr | $125/mo | $420/yr | Details |
| Wyoming | $1,542/yr | $129/mo | $420/yr | Details |
| North Dakota | $1,548/yr | $129/mo | $420/yr | Details |
| Indiana | $1,596/yr | $133/mo | $462/yr | Details |
| Hawaii | $1,608/yr | $134/mo | $468/yr | Details |
| South Dakota | $1,608/yr | $134/mo | $432/yr | Details |
| Montana | $1,650/yr | $138/mo | $438/yr | Details |
| Virginia | $1,662/yr | $139/mo | $492/yr | Details |
| Nebraska | $1,716/yr | $143/mo | $462/yr | Details |
| Oregon | $1,746/yr | $146/mo | $504/yr | Details |
| Washington | $1,764/yr | $147/mo | $522/yr | Details |
| West Virginia | $1,770/yr | $148/mo | $504/yr | Details |
| Alaska | $1,782/yr | $149/mo | $456/yr | Details |
| Pennsylvania | $1,824/yr | $152/mo | $432/yr | Details |
| Tennessee | $1,824/yr | $152/mo | $534/yr | Details |
| Utah | $1,836/yr | $153/mo | $528/yr | Details |
| New Mexico | $1,854/yr | $155/mo | $510/yr | Details |
| Illinois | $1,866/yr | $156/mo | $624/yr | Details |
| Minnesota | $1,878/yr | $157/mo | $564/yr | Details |
| Alabama | $1,894/yr | $158/mo | $588/yr | Details |
| Arkansas | $1,944/yr | $162/mo | $558/yr | Details |
| Missouri | $1,980/yr | $165/mo | $570/yr | Details |
| Mississippi | $1,986/yr | $166/mo | $594/yr | Details |
| Massachusetts | $2,016/yr | $168/mo | $660/yr | Details |
| South Carolina | $2,016/yr | $168/mo | $612/yr | Details |
| Maryland | $2,094/yr | $175/mo | $666/yr | Details |
| Kansas | $2,106/yr | $176/mo | $594/yr | Details |
| Arizona | $2,148/yr | $179/mo | $636/yr | Details |
| Colorado | $2,172/yr | $181/mo | $606/yr | Details |
| Delaware | $2,184/yr | $182/mo | $756/yr | Details |
| Oklahoma | $2,226/yr | $186/mo | $642/yr | Details |
| Rhode Island | $2,322/yr | $194/mo | $738/yr | Details |
| California | $2,416/yr | $201/mo | $570/yr | Details |
| Texas | $2,424/yr | $202/mo | $630/yr | Details |
| Georgia | $2,484/yr | $207/mo | $762/yr | Details |
| Connecticut | $2,490/yr | $208/mo | $864/yr | Details |
| Kentucky | $2,508/yr | $209/mo | $768/yr | Details |
| Nevada | $2,562/yr | $214/mo | $780/yr | Details |
| Michigan | $2,928/yr | $244/mo | $960/yr | Details |
| New Jersey | $3,024/yr | $252/mo | $936/yr | Details |
| Louisiana | $3,708/yr | $309/mo | $1,074/yr | Details |
| New York | $3,840/yr | $320/mo | $1,428/yr | Details |
| Florida | $3,945/yr | $329/mo | $1,116/yr | Details |