'Never Used Them for Any Type of Claim:' Woman’s State Farm Car Insurance Bill Just Went Up To $400/Month. Then She Calls Geico

"I feel like it’s a huge scam."

Woman's State Farm car insurance bill just went up to $400/month. Then she calls Geico

Photo by: xeeleigh & David

Alexandra Samuels

By: Alexandra Samuels

Sep 6, 2025 at 5:00am ET

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A woman is asking for help after her car insurance premiums skyrocketed.

Xena (@xeeleigh) says she drives a 2018 Audi RS5 and has been with State Farm since she got her first car at 16. But after years of loyalty, she claims her monthly rate jumped—pushing her to crowdsource solutions.

“For all my sports car owners,” she said in a TikTok, “what insurance do you have, and how much do you pay?”

Her post quickly drew responses from fellow drivers eager to share which insurers helped them save money.

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How Much Does She Currently Pay?

Xena reveals she now pays $400 a month for coverage through State Farm—about $100 more than she was paying just a year or two ago. The rate hike confused her because she’s “never used them for any type of claim,” or even requested roadside assistance.

Looking for a better deal, she says she shopped around with other insurers, including Geico, only to get quoted a staggering $600 a month. “I don’t understand why,” she says, pointing out that her car is seven years old and she’s not a new driver.

Her frustration boiled over when she finally needed help: a tow. Xena says State Farm told her she’d owe $280 for the service, despite paying hundreds each month.

“[State Farm] has taken all this money from me… and you can’t even pay for a tow?” she says. “I feel like it’s a huge scam.”

After striking out with Geico, she says she “gave up” on shopping around—leading her to ask TikTok: “Do you guys know of any companies that would be cheaper?”

What’s The Best Insurance For Sports Cars?

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There’s no single “best” insurer for sports cars—it depends on your vehicle, driving record, and where you live. The smartest move is to compare quotes from several major providers, such as USAA, State Farm, Nationwide, and Progressive. If you drive something rare or vintage, specialty carriers like Hagerty or American Collectors are worth checking out.

Sports cars almost always cost more to insure than a family sedan. Their higher sticker price, powerful engines, and greater risk of theft all contribute to higher premiums. According to The Zebra, some of the cheapest sports cars to insure include the Mazda MX-5 Miata, Hyundai Veloster, Fiat 124 Spider, Ford Mustang, and Chevrolet Camaro.

If you’re financing your car, full coverage—liability, collision, and comprehensive—is likely required. That can get expensive for high-performance vehicles, but it’s essential if you want to be protected after an accident.

Your exact rate will depend on the car itself (a Nissan 350Z is far cheaper to insure than a BMW i8, for example) and any modifications you’ve made. If you’ve added aftermarket parts or boosted performance, let your insurer know—otherwise, those upgrades may not be covered.

According to MoneyGeek, State Farm, Geico, and Nationwide often have the most affordable rates for sports cars, though, as Xena discovered, that’s not always the case, and “cheap” can mean different things to different drivers. To lower your premium, ask about discounts and bundling policies.

Then again, the goal isn’t just finding the cheapest plan, it’s making sure you’re fully covered when it matters most.

Viewers Offer Advice

Commenters on Xena’s video confirmed that finding a reasonable car insurance rate depends on a lot of factors, some outside the driver’s control.

“Some companies raise your rates according to your credit score,” one man claimed.

“Your age, gender, and residence play a role in the amount you’ll pay,” added another. “I’m in Los Angeles, California, and I find Progressive is usually the cheapest. I think I pay around $200 a month.”

“There are a lot of variables in that,” a third commenter said. “The state you live in, [whether that’s] your primary vehicle,” and how many miles you drive each year, they added, all affect insurance rates.

Others shared their preferred insurers.

“Erie Insurance has been the best,” one wrote.

“2021 Audi S5,” added another, noting they pay $135 per month through State Farm.

“Geico was actually the cheapest for me,” a third said.

“Try an insurance broker,” a fourth advised. “They will shop for the best rates for you.”

With rates varying so widely, some commenters vented their frustration.

“Insurance is nothing but a scam,” one man commented.

What do you think?

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“Car insurance is a big scam,” another echoed.

Motor1 has reached out to Xena via a direct message on TikTok. We’ll be sure to update this if she responds.