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 Oustanding 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.
The best car insurance: drivers aged 30-49
Each year, we release our car insurance awards, including winners for Insurer of the Year, Outstanding Value, and Most Satisfied Customers. As part of our award results, we also publish our Outstanding Value Star Ratings, covering car insurance for different age groups.
Below are our top-rated providers in the drivers aged 30-49 category. Click here to view our complete car insurance Star Ratings for all age groups.
| Provider | Star Rating |
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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 offer 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.
Compare Car Insurance Star Ratings
About the author of this page
In his role at Canstar, he has been a regular commentator in the NZ media, including on the Driven, Stuff and One Roof websites, the NZ Herald, Radio NZ, and Newstalk ZB.
Away from Canstar, Bruce creates puzzles for magazines and newspapers, including Woman’s Day and New Idea. He is also the co-author of the murder-mystery book 5 Minute Murder.
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