Geico here in Miami, FL
Barebones coverage costs me about $52 per month. And I mean BARE-BONES...... basically the state minimums. I would not recommend such a risky strategy to anyone else because if you are at fault in a crash you would have to pay out-of-pocket for Everything. Also would note that Miami, FL has very high rates in comparison to the rest of USA.
I have never been in a crash in my entire life, have never filed a claim and have credit score of 750 and am older than 40. I hate the car insurance mafia. Safe drivers like me are forced to subsidize the costs for bad drivers and for fraudsters. There is nothing "fair" about it and membership into this racket is compulsory.
I have paid over $30,000 over the course of my driving career into this crooked car-insurance system and have extracted not even a Canadian penny out of it. Im just making subsidy donations to the lead-foots, drunks and the fraudsters. While the insurance companies themselves make massive profits either way.
The whole system in USA is wack. The big SUVs and PickUps are the ones that make subcompacts less safe (because they crash into us). And yet instead of penalizing the bigger vehicles with additional taxes or fees (because they are bigger and cause more damage) the insurance companies choose to penalize the subcompacts for their inabilities to withstand the impacts.
The whole trend of bigger SUVS and Trucks makes subcompacts and motorcycles less safe. Do you see what is happening? They are trying to FORCE all of us to buy a big, gas-guzzling behemoth that depletes more of the planet's resources and that adds to traffic congestion and difficulty of parking. A RESPONSIBLE government would reward people that buy smaller and more efficient cars with tax/registration/toll credits or reduced fees. But that is not what is happening.
Instead the USA government is complicit in the trend to force people to buy larger vehicles and is encouraging the behavior. And the insurance companies as well...penalizing the responsible citizens like Mirage owners who are trying to conserve resources and to "do the most with the least". Its disgusting.
If anyone should be "paying extra" its the behemoths with their selfish choices.