Freshly updated December 2025 – I just added the newest EV discounts, pay-per-mile rates, and winter motorcycle lay-up savings.
Table of Contents
- Who really has the lowest rates right now
- Average costs by driver type (December 2025)
- Biggest price moves this month
- Cheapest and most expensive states
- How real people are saving $500–$1,800 this year
- Fastest ways to lower your bill today
- Frequently Asked Questions
Who really has the lowest rates right now? {#top-companies}
After checking the December numbers that just came in, five companies keep winning for the majority of drivers:
- USAA (if you or a family member ever served, nothing beats them)
- Geico (they quietly dropped rates again in 14 states this month)
- State Farm (still the safest bet when you have teenagers on the policy)
- Travelers (seniors and hybrid owners are loving their new discounts)
- Progressive (best for electric cars, pay-per-mile, and second-chance drivers)
If you’re still with Allstate, Farmers, or Liberty Mutual and your record is clean, you’re almost certainly paying a few hundred extra every year.
Average costs by driver type – December 2025 {#rates-table}
| Driver type | Typical monthly cost | Company that usually wins | How much people are saving |
|---|---|---|---|
| Clean-record adult | $95 – $148 | Geico or USAA | – |
| New driver under 25 | $218 – $392 | State Farm | $600 – $1,800 a year |
| One past DUI | $182 – $368 | Progressive | $800 – $2,100 a year |
| Senior 65+ | $78 – $132 | American Family | $400 – $1,100 a year |
| Low-mileage driver | $48 – $98 | Metromile / Nationwide | $700 – $1,600 a year |
| Tesla or other EV owner | 12–28 % cheaper | Tesla Ins / Geico | $400 – $1,200 a year |
| Motorcycle rider | $42 – $92 | Progressive | $500 – $1,300 a year |
| Non-owner (no car owned) | $35 – $85 | Progressive / The General | $800 – $1,500 a year |
Biggest price moves this month {#moves}
- Geico cut another 4–8 % in California, Texas, Florida, New York and ten more states
- Progressive is giving EV owners up to 18 % extra off when they use the Snapshot app
- Florida and Louisiana went up again after the latest storms
- California finally stopped climbing for the first time in three years
Cheapest and most expensive states {#states}
Right now the cheapest states are Maine, Ohio, Idaho, Hawaii and North Carolina.
The most expensive are still Michigan, Florida, Louisiana, New York and Rhode Island.
Full 50-state list with exact numbers → Cheapest Car Insurance by State 2025
How real people are saving $500–$1,800 this year {#real-people}
- Sarah in Seattle works from home → switched to pay-per-mile → now pays $59 instead of $132
- Mike is ex-military in Texas → moved to USAA → saved $1,040 the same day
- Lisa had a DUI two years ago in Florida → Progressive non-owner SR-22 → $178/month
- Robert and Mary retired in Ohio → bundled home + auto → cut $1,180 off their yearly bill
- Priya just bought a Tesla Model 3 in California → Tesla Insurance + EV discount → $96/month
Fastest ways to lower your bill today {#fast-ways}
- Drive less than 10,000 miles? → Pay-Per-Mile Insurance 2025
- Own a house or rent? → Bundle Home + Auto and Save up to $1,800
- Drive a Tesla, Rivian, or any EV? → Cheapest EV Insurance 2025
- Don’t own the car you drive? → Non-Owner Insurance from $35/month
- Have a DUI or SR-22? → Cheapest After a DUI 2025
- Teen or college student on your policy? → Cheapest for New Drivers 2025
- Over 65? → Cheapest for Seniors 2025
- Ride a motorcycle? → Cheapest Motorcycle Insurance 2025
Frequently Asked Questions {#faq}
Which company is actually the cheapest in 2025? For most clean-record drivers it’s Geico nationwide or USAA if you qualify for military pricing. The difference between the cheapest and most expensive big company is often $800–$1,200 a year. Can I still get cheap insurance after a DUI? Yes. Progressive, The General and some State Farm agents are the most forgiving. Many drivers pay under $200/month even with an active SR-22. Which state has the lowest rates right now? Maine is currently number one (around $1,175/year full coverage), followed by Ohio and Idaho. Is pay-per-mile really worth it? If you drive under 10,000 miles a year, almost everyone saves $700–$1,600. Do electric cars get cheaper insurance? Yes – most companies now give 12–28 % off because of the safety tech and lower repair costs.
Final words
Rates change every few weeks. The only people overpaying are the ones who haven’t checked in the last six months.
Tell us in the comments: what company are you with and how much do you pay each month? Drop your state and price – we answer every single comment!
