2025 Auto Insurance Outlook: What It Means for You
Wondering Why Your Auto Insurance Rates Keep Increasing?
You’re not alone. In 2025, auto insurance premiums are rising again, and many drivers are asking:
✔ Why are rates going up?
✔ What’s changing in the industry?
✔ How can I lower my insurance costs?
At Trailstone Insurance Group, we work with 40+ A-rated insurance carriers to track industry trends and help drivers save.
Here’s what you need to know about auto insurance in 2025—and what you can do to get the best coverage at the lowest cost.
What’s Driving Up Auto Insurance Rates in 2025?
Several factors are making auto insurance more expensive than ever:
🚗 Higher repair costs – Cars are more advanced, making repairs pricier.
📈 Inflation & supply chain issues – Increased labor and parts costs impact claims.
📊 More frequent claims – More accidents = higher payouts for insurance companies.
⚖ Regulatory changes – Many states are raising minimum liability requirements.
At Trailstone Insurance, we work directly with carriers like Progressive, Allstate, and National General, giving us inside knowledge on what’s changing—and how you can save.
5 Major Auto Insurance Changes in 2025
1. Auto Insurance Premiums Are Rising
💰 The average auto insurance premium in 2025 is over $2,500 per year—a 26% increase since 2023.
Why?
✔ Higher claim payouts
✔ Rising medical costs
✔ Vehicle repair price hikes
🚨 Even if you’re a safe driver, you may see an increase.
💡 Tia Tip: Let Trailstone shop 40+ insurers for you to lock in the best rate—99% of the time, we find a better deal.
2. Usage-Based Insurance (UBI) Is Expanding
🔹 What is UBI? Usage-Based Insurance programs use telematics to track your driving habits—speed, braking, mileage—and adjust your rate accordingly.
The good news: Safe drivers could save up to 40%.
The downside: Risky driving habits could increase your premiums.
💡 Tia Tip: UBI isn’t for everyone—Trailstone will help you determine if it’s a good fit for your driving habits.
3. Vehicle Technology Is Making Repairs More Expensive
🔹 Advanced Driver-Assistance Systems (ADAS) are making cars safer, but they also make repairs more costly.
🚗 Example: Replacing a bumper with built-in sensors can cost three times more than a standard bumper replacement.
💡 Tia Tip: Before buying a new car, check how its technology impacts insurance costs.
📞 Need help choosing a vehicle with lower insurance rates? Call Trailstone before you buy!
4. Regulatory Changes & Higher Minimum Coverage
🚨 Several states—including Utah—are increasing minimum liability coverage requirements in 2025.
🔹 Example: Utah’s new minimum limits:
✔ $30,000 per person
✔ $65,000 per accident
✔ $25,000 property damage
What does this mean for you?
✔ More financial protection in an accident
❌ Potentially higher premiums for meeting new state requirements
💡 Tia Tip: If your state is raising limits, let Trailstone find the most affordable policy that still meets legal requirements.
5. More Drivers Are Shopping for Better Rates
📊 52% of drivers shopped for a new policy in 2024—and that number is expected to grow in 2025.
💰 Why?
✔ Rising premiums mean people are searching for better deals.
✔ More insurers are offering discounts for bundling policies or using telematics.
💡 Tia Tip: Don’t wait—let Trailstone shop for you before your renewal date to secure the best rate.
How to Save on Auto Insurance in 2025
1. Let Trailstone Shop 40+ Insurers for You
✔ We compare policies from 40+ A-rated companies to find the best coverage at the lowest price.
✔ No cost to you—just expert advice and savings.
2. Consider Telematics (If You’re a Safe Driver)
✔ Safe drivers can save up to 40% with telematics-based insurance.
✔ We’ll help you determine if it’s the right option for you.
3. Maintain a Clean Driving Record
✔ Avoid speeding tickets and at-fault accidents—they can raise your rates for years.
✔ Some states reward safe driving with additional discounts—Trailstone can check for you!
4. Work with an Independent Insurance Agency Like Trailstone
✔ Big-box insurers (like State Farm & GEICO) only offer their own policies.
✔ We shop multiple insurers to get you the best price and coverage.
✔ Trailstone has over 2,900 5-star reviews—our customers trust us to save them money.
Final Thoughts: Lock in the Best Auto Insurance Rate for 2025
Auto insurance rates are going up, but that doesn’t mean you have to overpay.
💡 Key Takeaways:
✔ Rates are rising due to inflation, vehicle technology, and higher claim payouts.
✔ More drivers are shopping around—and you should, too.
✔ Trailstone makes it easy to save—we shop 40+ companies so you don’t have to.
📞 Ready to Lower Your Auto Insurance Costs?
🚀 Here’s how to get started:
✔ Click the link below for a free quote
✔ Call us to review your policy and find the best deal
✔ Let Trailstone handle the shopping for you!
🔗 Get a Free Auto Insurance Quote Now
Don’t let rising rates catch you off guard—let’s get you the best coverage at the best price today!