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Experience
- Home insurance
- Mortgages
- Auto insurance
- Banking
- Loans
- Small business
About Carley's expertise
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
Featured Work
Consumer Affairs: How to switch home insurance companies
GOBankingRates: Does Financing a Car Build Credit?
FinanceBuzz: Here’s the Average Net Worth of Americans at Every Age
Our Editorial Guidelines
Insurify’s content goes through a rigorous editing and fact-checking process that includes reviews by insurance agents, data scientists, and multiple editors with years of experience in insurance and personal finance. We vet every article and report for: accuracy, educational value, objectivity, enjoyability.
Learn more about our editorial team and editorial guidelines here.
Carley's latest posts
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Temporary Car Insurance in Michigan: What Your Short-Term Options Really Are
Temporary car insurance in Michigan isn’t available, but Insurify Car1 lets you pay for coverage in seven-day increments.
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Allstate vs. Travelers: Which Insurance Company Is Better in 2026?
Both insurers are strong options for car insurance, but Allstate wins with its competitive rates, discounts, higher customer service ratings, and broader telematics availability.
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Liberty Mutual vs. Progressive: Which Is the Best?
Progressive’s relatively low rates and higher customer satisfaction scores earn it a higher Insurify Quality (IQ) Score than Liberty Mutual.
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Equity Car Insurance Review: Ratings and Expert Insights
Equity is a small regional company specializing in non-standard insurance for high-risk drivers in Oklahoma.
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GoAuto Car Insurance Review (Ratings and Expert Insights)
GoAuto offers affordable car insurance. But it has limited coverage options, and some reviews cite unreliable customer service.
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Cheapest Car Insurance Quotes in Wisconsin
USAA offers some of the cheapest car insurance in Wisconsin, with an average rate of $29 per month. Get an instant quote now and buy a car insurance policy online in minutes with our team of agents.
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Rideshare Insurance in Indiana: Costs, Requirements, and Best Companies
Uber and Lyft provide liability coverage for their drivers, but that won’t protect your vehicle if you’re in an accident while waiting for a ride request. Under Indiana law, your personal auto insurer can deny claims when you log in to a TNC app without a rideshare endorsement.
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Cheapest Car Insurance Quotes in Connecticut
State Farm is one of the cheapest insurers in Connecticut, with an average liability rate of $80 per month. Get real-time car insurance quotes and buy your policy in minutes, completely online with Insurify.
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Cheapest Car Insurance Quotes in Oklahoma
Drivers in Oklahoma can find rates as low as $39 per month with State Farm. Compare real quotes from top companies and buy your policy all in one place.
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Car Insurance for High-Risk Drivers in Florida
State Farm offers the cheapest car insurance for high-risk drivers in Florida, averaging $99 per month for liability coverage.
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Cheap Car Insurance in Indiana With Bad Credit
The cheapest car insurance company for Indiana drivers with bad credit is Auto-Owners. Its rates average $51 per month for liability coverage.
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DUI Car Insurance in Florida: Costs, Laws, and Cheapest Companies
Drivers in Florida with a DUI pay a monthly average of $182 for liability-only car insurance.
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Best Car Insurance in North Carolina
Erie, GEICO, and Progressive are among the best car insurance companies in North Carolina for price, coverage options, and customer satisfaction.
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Cheap Car Insurance for Teen Drivers in New Jersey
NJM is the cheapest insurer for New Jersey teens, with liability policies averaging $193 per month.
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Very Cheap Car Insurance With No Deposit in Missouri
No-deposit car insurance doesn’t exist in Missouri, but you can find the cheapest option possible. Compare quotes from top insurers starting at $46 per month for liability insurance.
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Car Insurance Discounts in Tennessee
Most Tennessee drivers can save on their premiums with a safe driver discount. Drivers 55 and older can also take an accident-prevention course to qualify for a state-mandated premium reduction.
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Cheapest Car Insurance Quotes in Arizona
Just Pay-Per-Mile offers the cheapest car insurance in Arizona, with liability coverage averaging $49 per month. Arizona’s low population density and short commute times contribute to its below-average rates.
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Cheapest Car Insurance Quotes in Alabama
National General, State Farm, and USAA offer some of Alabama’s cheapest car insurance quotes.
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Cheapest Car Insurance Quotes in Virginia
Auto-Owners is the cheapest insurer in Virginia, averaging $56 for liability coverage. Flooding, population density, and auto theft all affect Virginia’s rates.
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Cheap Car Insurance Quotes in Arlington, Texas (October 2026)
State Farm offers some of the cheapest car insurance in Arlington, Texas, with an average monthly premium of $51 for liability coverage. Event traffic around AT&T Stadium and congestion along I-20 and I-30 may influence crash risk and insurance rates.
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Cheap Car Insurance Quotes in Odessa, Texas (October 2026)
State Farm offers the cheapest car insurance in Odessa, Texas, with premiums averaging $51 per month. Odessa has one of the country’s highest vehicle theft rates — a major factor contributing to the city’s higher auto insurance costs.
Cheapest Car Insurance Quotes in Fort Worth (October 2026)
Fort Worth drivers can find the lowest car insurance rates from State Farm, with liability coverage averaging $48 per month. High vehicle theft rates and frequent hailstorms may influence how much you pay for auto insurance in Fort Worth.
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Cheapest Car Insurance Quotes in Nashville (October 2026)
Nashville’s heavy downtown congestion and high vehicle theft rate can drive up car insurance costs. You may find the lowest quotes from State Farm, with liability rates of $44 per month.
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Cheapest Car Insurance Quotes in Tampa, Florida (October 2026)
Tampa drivers generally find the most affordable auto insurance quotes from State Farm, averaging $103 per month. Coastal hurricane and flood exposure contribute to Tampa’s higher-than-average car insurance rates.
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Cheapest Car Insurance Quotes in Orlando (October 2026)
State Farm is the cheapest car insurance company in Orlando, with an average rate of $90 per month for liability coverage. Tourism causes congestion along I-4, contributing to Orlando’s higher-than-average insurance premiums.
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Cheapest Car Insurance Quotes in Fort Myers (October 2026)
State Farm offers the cheapest car insurance in Fort Myers, Florida, averaging $78 per month for liability coverage. Fort Myers faces hurricanes and flooding, which can raise average premiums for drivers.
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Cheapest Car Insurance Quotes in Denver (October 2026)
State Farm has the lowest average liability-only rates in Denver, at $59 per month. Denver ranks No. 8 nationally in vehicle theft rates, contributing to its higher-than-average premiums.
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Cheap Car Insurance Quotes in Wichita, Kansas (October 2026)
Wichita drivers can find the cheapest liability car insurance from State Farm, averaging $54 per month. With 9,196 crashes in 2024, Wichita had more accidents than any other city in Kansas, contributing to its higher insurance rates.
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Cheapest Car Insurance Quotes in Virginia Beach (October 2026)
Auto-Owners offers the cheapest car insurance in Virginia Beach, with rates averaging $56 per month. Located along the Atlantic Coast, Virginia Beach faces flood and storm-surge risk, which affects what drivers pay for coverage.
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Cheapest Car Insurance Quotes in Davenport, Florida (October 2026)
The cheapest car insurance company in Davenport is State Farm, with liability rates averaging $82 per month. Davenport’s population density and long commute times affect insurance costs.
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Cheapest Car Insurance Quotes in Oxnard, California (October 2026)
USAA offers the cheapest car insurance in Oxnard, at an average of $61 per month. Oxnard’s typical commute time is below the state average in California, which may help keep rates lower.
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Cheap Car Insurance Quotes in Spring Hill, Florida (October 2026)
State Farm is the cheapest insurance company in Spring Hill, with an average rate of $86 per month for liability coverage. Spring Hill’s location on Florida’s west coast exposes the city to hurricanes, which push up insurance rates.
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Average Car Insurance Rates by Age in 2026
Teen drivers pay the most for car insurance, while drivers in their 60s pay the least. Here’s what every age group can expect to pay and how to save.
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Cheapest Car Insurance Quotes in San Bernardino, California (October 2026)
At $71 per month, USAA offers San Bernardino drivers the cheapest average liability-only rates. High vehicle theft rates and dense commuter traffic keep insurance prices above the state average.
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Cheap Car Insurance Quotes in Riverview, Florida (October 2026)
State Farm offers the cheapest auto insurance in Riverview, averaging $94 per month. Rapid population growth has caused congestion on I-75, contributing to higher rates in Riverview.
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Cheapest Car Insurance Quotes in Richmond, Virginia (October 2026)
Richmond drivers can find the cheapest car insurance rates from Auto-Owners, averaging $67 per month for liability coverage. The city sees heavy congestion downtown where I-95 and I-64 converge, which can influence insurance rates in Richmond.
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Temporary Car Insurance in New Jersey (October 2026)
New Jersey insurers don’t offer temporary car insurance, but you can get coverage through a non-owner policy, pay-per-mile insurance, or a six-month policy that you cancel early.
Cheap Car Insurance Quotes in Largo, Florida (October 2026)
Largo drivers can find the cheapest car insurance from State Farm. The city has lower average commute times and annual mileage than the state average, which could contribute to Largo’s lower rates.
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Cheap Car Insurance Quotes in Garden Grove, California (October 2026)
Garden Grove drivers can find the cheapest rates from USAA, averaging $71 per month for liability coverage. The city’s population density and congestion on the 22 freeway may contribute to its higher car insurance costs.
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Cheapest Car Insurance Quotes in Asheville, North Carolina (October 2026)
Erie offers the cheapest car insurance in Asheville, at $43 per month for liability coverage. Asheville’s shorter commute times compared to the state average contribute to its lower rates.
How Much Is Car Insurance in Virginia?
Drivers in Virginia pay an average of $1,947 per year for car insurance.
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Cheapest Auto Insurance in Tacoma, Washington
State Farm offers the cheapest car insurance in Tacoma, with an average monthly liability rate of $72.
How Much Is Car Insurance in Colorado?
Drivers in Colorado pay an average of $1,882 per year for car insurance.
Best Homeowners Insurance Companies in Oklahoma
State Farm, USAA, and Farmers offer some of the best homeowners insurance in Oklahoma to protect against severe storms and wildfires.
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5 Best Beaumont Homeowners Insurance Companies
Allstate, Progressive, and State Farm offer some of the best homeowners insurance policies in Beaumont, Texas.
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5 Best Albany Homeowners Insurance Companies
Allstate, State Farm, and Travelers offer some of the best homeowners insurance policies in Albany, New York.
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Best Homeowners Insurance Companies in Michigan
Allstate, Chubb, and State Farm are some of Michigan’s best home insurance companies. Protect your home from windstorms, ice, and other weather risks.
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Best Homeowners Insurance Companies in Illinois
The best home insurance companies in Illinois include American Family, Erie, and State Farm.
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Best Homeowners Insurance Companies in Arkansas
Farmers, State Farm, and Allstate are among our top picks for the best home insurance companies in Arkansas.
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5 Best Houston Homeowners Insurance Companies
State Farm and Travelers offer some of the best homeowners insurance in Houston.
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Cheap Car Insurance in Georgia After a Speeding Ticket
Auto-Owners is the cheapest car insurance company for Georgia drivers with a speeding ticket, averaging $101 per month for liability coverage.
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Cheapest Car Insurance In Indiana After an Accident
Auto-Owners offers the cheapest car insurance in Indiana after an accident, with an average monthly rate of $47 for liability coverage.
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New Jersey Flood Insurance: Complete Guide for Homeowners in 2026
Flood risk affects many New Jersey homes. You can buy coverage through the NFIP or private insurers.
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Average Home Insurance Rates by State
The state you live in can affect your home insurance rate. Find out how much homeowners insurance typically costs in your state.
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Cheap Full-Coverage Car Insurance in Pennsylvania
Pennsylvania drivers can find the cheapest full-coverage car insurance from State Farm, with an average rate of $83 per month.
How Much Is Car Insurance in New Jersey?
Drivers in New Jersey pay an overall average of $2,630 per year for car insurance.
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Why Is Car Insurance So Expensive in South Carolina?
The average annual cost of car insurance in South Carolina is $2,487 — 47% higher than the national average.
Arizona Rental Car Insurance Laws: Whose Insurance Pays in an Accident?
Arizona law says the rental company’s insurance is on the hook first, unless the company includes a statutory disclosure in your rental agreement that shifts liability to you.
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Massachusetts Car Insurance Laws
You must carry four types of coverage in Massachusetts. Driving uninsured can result in fines, a license suspension, and even jail time.
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Non-Owner Car Insurance in Pennsylvania
Pennsylvania drivers who borrow or rent a vehicle can get liability coverage through a non-owner policy. It typically costs less than insuring a car you own.
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Car Insurance Grace Period in Indiana: Are You Covered After Buying a Car?
Indiana law guarantees current policyholders at least 14 days of liability coverage after a vehicle purchase. Drivers with a full-coverage policy also receive four days of physical damage coverage — though your insurer may offer a longer grace period.
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Do You Need Rental Car Insurance in California?
You may not need rental car insurance in California if you already have a personal auto insurance policy. Check with your insurer before you rent a car to see if your coverage extends to rental vehicles.
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Best Homeowners Insurance for Veterans and Military Members
Deployment and military equipment can affect how much home insurance coverage veterans and active-duty service members need. Compare homeowners quotes for members of the military community.
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Uninsured Motorist Coverage in Georgia: What to Know
Uninsured motorist coverage is an optional policy add-on in Georgia that covers damages if a driver without insurance hits you.
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Is Texas a No-Fault State for Auto Insurance?
Texas isn’t a no-fault state — it’s an at-fault state. That means the at-fault driver’s insurance pays for the other party’s damages.
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Best Condo Insurance Companies
Allstate, American Family, and Amica are among our top picks for condo insurance due to price, customer service ratings, and coverage selections.
Best Renters Insurance in Tampa
Renters insurance in Tampa protects your belongings from common risks in Florida, including storms, theft, and fires.
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Best Renters Insurance in San Antonio
American Family and Travelers are top choices for renters insurance coverage in San Antonio.
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What Is Home Repair Insurance?
Home repair insurance is a service contract — not an insurance policy — that can cover repairs and replacement of home systems and appliances after a covered breakdown.
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Best Drone Insurance: Compare Top Companies and Coverages
Some of the best drone insurance companies are BWI Aviation, SkyWatch, AutoPylot, and Avion Insurance.
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QBE Renters Insurance Review: Cost, Coverage, and More
QBE’s renters insurance lets you adjust coverage limits and add optional protections. This flexibility could be a plus for renters who want more control over their policies.
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Figo vs. Pets Best: Which Is the Best for Your Pet?
Figo and Pets Best are both highly rated pet insurance companies. But if you want 100% reimbursement with alternative therapies included, Figo may be the better choice.
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Fitbit Insurance: Coverage and Costs
Fitbit insurance might cover the cost of repairing or replacing your device if you damage or lose it.
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Landlord Insurance: Coverage, Costs, and How to Choose a Policy
Landlord insurance covers property damage, liability claims, and lost rental income. If you own a rental home, it offers essential protection for your property.
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Moving Truck Insurance: Coverage, Costs, and What You Need to Know
Moving truck insurance can protect you and your belongings while in transit.
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When Is Open Enrollment for Health Insurance?
Learn 2026 open enrollment dates, how to sign up for coverage, and what to do if you miss the deadline.
Florida Insurance Crisis: Why Rates Are High, and What You Can Do
Explore the roots of Florida’s home insurance crisis, from hurricanes and lawsuits to market reforms. Learn how to protect your property and wallet.
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Is It Safe for Dogs to Eat Peppers?
Dogs can generally eat bell peppers as a low-calorie, nutritious snack. But spicy peppers may irritate the digestive system and aren’t safe for dogs.
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Washing Machine Insurance: What Does It Cover and Is It Worth Buying?
Washing machine insurance can cover repairs, labor costs, and parts replacement if your appliance stops working. It may be worth buying if your washer is older, prone to breakdowns, or expensive to replace.
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Errors and Omissions Insurance: Who Needs It and Why It’s Important
E&O insurance helps protect your business if a client sues over negligence, mistakes, or missed deadlines. Without it, you could be responsible for any legal expenses out of pocket.
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Allianz Travel Insurance Review: Costs, Coverage, and More
Allianz travel insurance covers medical emergencies, trip disruptions, and more. With multiple plan options and positive customer reviews, it offers reliable protection for travelers.
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