I have a friend with perhaps 300hrs TT and an instrument rating who
is
buying a new SR20. The insurance company wants 25hrs make and model
before
solo and another 25hrs before carrying passengers.

That's typical of what is being required these days for Bonanzas and
such. I think the insurance companies have finally figured out that
they're dealing with a fixed gear Bonanza, not a fast C-182.

Michael