The best car insurance for over 30s

So what kind of policies and features should you be looking at? This guide will give you an overview of your options and give you an idea of the best car insurance for over 30s.

And remember, whether you’ve been in an accident or just need advice, Sheen is here to help you get back on the road.

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Why car insurance gets better after 30

According to Budget Direct industry data, drivers in their 30s and over are statistically involved in fewer accidents. That’s why insurers view this age group as more responsible. If you're over 30, you're in a great position to shop around for a policy tailored to your needs, with a more affordable price tag.

Looking for the best car insurance for new drivers over 30? While you may still pay more than someone with years of experience, you’ll generally secure a better deal than if you were 18 and newly licensed.

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What is the best car insurance for over 30s?

The answer depends on your circumstances, but for most drivers over 30, comprehensive car insurance is the best option.

By this stage, many people have moved beyond their first car and are driving something a little nicer, perhaps a newer model or a car with more value. If that’s you, it’s worth protecting your investment. Comprehensive insurance covers damage to your vehicle as well as others, even if you’re at fault in an accident.

It also offers peace of mind, knowing you’re financially protected from the unexpected. And if you want to ensure your vehicle is repaired by reputable experts, look for policies that include choice of repairer. With Sheen, you can have your vehicle repaired by our trusted panel beaters, so you know you’re getting high-quality workmanship.

Learn more about the different types of car insurance and what they cover.

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Is car insurance cheaper for over 30s?

Generally speaking, yes.

Car insurance typically costs more for young drivers under the age of 25. This is because the 17-25 age demographic is involved in a disproportionately high number of car accidents.

However, age is just one of the factors which influence the overall price of your car insurance. Some of the other factors include:

• The type of car you drive
• Whether you park your car at a secure location
• Your personal driving history
• Where you live

Read more tips on getting a lower car insurance premium.

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Optional extras: worth it or not?

It depends on what's important to you.

There are all sorts of optional features and extras you can get as part of your car insurance policy. Some of them may cost more on your premium, and some of them may be offered for free by the insurer to entice you into choosing them.

Whether or not these features and extras are worthwhile will depend on your circumstances and your needs. Some of the common optional features you may want to consider include:

• Replacement vehicles after an accident or theft
• Roadside assistance
• Choice of repairer after an accident
• Windscreen cover
• Replacement keys
• No claims discount
• No excess, lower excess, or higher excess

If you're looking for the cheapest car insurance possible, then you will probably have to avoid most of these features. However, it is handy to keep in mind that these extras are available to you and are not as expensive as they once were in your 20s. 

For example, getting a replacement vehicle after an accident or roadside assistance included in your policy can make your life a lot easier in a stressful situation.

And if you love cars as much as we do, getting your choice of repairer is essential. You want to make sure only the most reputable smash repairers, such as Sheen, get their hands on your precious vehicle. 

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Always compare policies

Don’t settle for the first quote. Use online comparison tools to evaluate policies side by side. Check what’s included, what’s excluded, and whether optional extras are free or come at a cost.

When comparing, make sure you’re comparing similar cover levels (i.e. comprehensive vs. third party). A cheaper premium doesn’t always mean better value if it excludes features you’ll actually need.

FAQs about car insurance for over 30s

What is the best car insurance for a female over 30 in Australia?

The best car insurance for a female over 30 is usually comprehensive cover with optional extras like roadside assistance and windscreen protection. Look for a policy that offers your choice of repairer so you can use trusted services like Sheen Panel Beaters.

Does my location affect my insurance premium over 30?

Yes, insurance for over 30s in Melbourne can vary depending on your postcode. Living in a high-theft area or parking on the street can increase your premiums, while a secure garage in a low-risk suburb may lower them.

Can I choose my own repairer if I make a claim?

Many comprehensive policies allow you to choose your own repairer, but it depends on your insurer. Selecting your own repairer lets you ensure your car is fixed by experts like Sheen’s team of panel beaters, who use high-quality parts and repairs.

Does my occupation affect my car insurance premium?

Yes, many insurers consider your occupation when calculating your premium. Certain jobs are viewed as higher or lower risk based on accident statistics and how much you’re likely to drive. For example, someone working from home may pay less than a delivery driver covering hundreds of kilometres a week.

Do modifications to my car affect insurance for over 30s?

Yes, modifications like custom wheels, performance upgrades, or aftermarket body kits can affect your premium and coverage. Always declare modifications to your insurer to avoid denied claims. Some modifications may increase premiums, while others might require specialist insurance.

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If you’re in an accident, call Sheen first

Accidents happen, even to the safest drivers. That’s why it’s reassuring to have Sheen on your side.

Sheen works with all major insurers to make your claims process smooth and hassle-free. From towing your car from the accident scene to providing a replacement vehicle, we’ll help you every step of the way.

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