Key Points
- Middle-aged car insurance customers who have a clean driving history and claims record are able to secure some of the cheapest car insurance prices.
- Canstar's latest Car Insurance Awards give top 5-Star ratings to Cove, FMG and State for offering the best value car insurance to drivers in the 30-49 age bracket.
Finding the best car insurance isn't always easy. Not only do insurers make it hard to compare prices, but their policies and deals vary depending on things such as your age, driving history, and address.
Thankfully, though, middle-aged drivers tend to get some of the best car insurance rates around.
Below, we look at the insurers who we awarded 5-Stars for Outstanding Value (drivers aged 30-49) in our latest Car Insurance Awards, as well as some tips and tricks on how to save on your car insurance.
Car insurance for drivers aged 30-49
Most drivers in the 30-49 age bracket have had plenty of years on the road. And if you've years of clean driving under your belt, you should be offered favourable car insurance rates.
However, if you've spent your 30s and 40s racking up insurance claims, and possibly even demerit points, your insurer will offer you a price that reflects their increased risk of you making another claim.
But even if you have a clean driving record, and your insurance quotes are favourable, there are still ways to save even further.
Best Car Insurance for Drivers Aged 30-49
It always pays to shop around for the best deal, which is where Canstar can help. Each year we release our Car Insurance Awards, which include detailed Star Ratings of the best car insurance policies and providers across a range of driver profiles.
Below are the insurance companies that our expert research panel judged as providing Outstanding Value Comprehensive Cover Insurance for Drivers Aged 30-49.
Outstanding Value Cover for Drivers Aged 30-49
- Cove
- FMG
- State
How to save on insurance
Tips to help you get the best deal on car insurance include:
- Choose a higher excess – doing so means you'll have to pay more when making a claim, but it should reduce your premiums.
- Pay upfront – instead of paying monthly, pay for a year's cover up front for a discount.
- Shop around – compare providers to find which ones could be best for you. Then, get a few quotes from those providers to secure the best price.
- Keep your car secure – if you've a garage or secure off-street parking, your car is at less risk of break-ins. Parking your car in a secure area when not in use can help reduce the cost of your premiums.
- Driving safely – accidents or even road violations can impact your insurance. A clean driving history can get you better deals, plus benefits such as no claims bonuses.
- Limit who can drive your car – excluding cover for young drivers can help you save on premiums.
- Bundle your insurance – does your provider also have home and contents insurance? Bundling policies can earn you a discount with some insurers. Although always ensure both policies are a good deal and right for your requirements.
- Insure your car for its market value – this means that instead of insuring your car for a fixed price (agreed value) your car is insured for its second-hand value at the time of any claim, which is a cheaper option.
- Choose your extras carefully – insurance providers often offer additional car-insurance add-ons, such as excess-free glass. But if they come at an extra cost, make sure they're worth it.
- Buy online – many car insurance providers offer discounts and deals to customers who purchase their policies online.
