🚘 2025 Auto Insurance Quotes
Top 5 Cheapest Companies & Savings Calculator
*This post may contain affiliate links; you pay nothing extra.
1. Why compare auto insurance in 2025?
- Rates jumped 11 % YoY (CPI, Jun 2025) – biggest hike since ’08.
- New AI telematics discounts slice up to 30 % if you drive less than 8k miles/year.
- 43 % of U.S. drivers overpay by $560 on average (JD Power survey 2025).
2. 2025 Cheapest National Insurers (Full Coverage, 35-yr driver, clean record)
| # | Company | Avg Annual Premium | Telematics Discount |
|---|---|---|---|
| 1 | USAA* | $1 432 | 30 % |
| 2 | State Farm | $1 647 | 25 % |
| 3 | GEICO | $1 689 | 23 % |
| 4 | Nationwide | $1 732 | SmartRide 40 % |
| 5 | Progressive | $1 758 | Snapshot 30 % |
*USAA for military members & families only.
3. State Minimum-Liability Sample Rates (2025-Q3)
| State | Min Annual Premium | Cheapest carrier |
|---|---|---|
| California | $562 | GEICO |
| Texas | $498 | State Farm |
| Florida | $692 | Direct Auto |
| New York | $711 | Progressive |
| Ohio | $380 | Nationwide |
Data: NAIC filings & TheZebra July 2025.
4. 30-second Savings Calculator
Rough estimate – actual quote varies by insurer.
5. Three Hacks to Slash Your Premium
- Raise deductible from $500 to $1 000 → save about 12 %.
- Bundle auto + renters/home policy → multi-policy discount ≥ 18 %.
- Install insurer’s telematics app & drive under 8k mi → up to 30 % back.
6. FAQ
Does checking quotes hurt my credit score?
No. Most insurers run a soft pull that doesn’t affect your FICO.
How often should I shop for new quotes?
Every 6-12 months or after life events (move, marriage, clean driving record).
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