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About David's expertise
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
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
David's latest posts
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Cheapest Auto Insurance in Spring Hill, Florida
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Cheapest Auto Insurance in Woodstock, Georgia
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Cheapest Auto Insurance in Lafayette, Indiana
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Cheapest Auto Insurance in Naperville, Illinois
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Cheapest Auto Insurance in Fort Myers, Florida
February 21, 2026
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Rideshare Insurance in New York
February 21, 2026
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Cheapest Auto Insurance in Davenport, Iowa
February 21, 2026
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Cheapest Auto Insurance in Tupelo, Mississippi
February 21, 2026
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Cheapest Car Insurance in Riverview, Florida
February 21, 2026
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Cheapest Auto Insurance in Jackson, Mississippi
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February 21, 2026
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Cheapest Auto Insurance in Staten Island, New York
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February 21, 2026
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Cheapest Auto Insurance in Killeen, Texas
February 21, 2026
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Temporary Car Insurance in New York
February 21, 2026
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Cheapest Auto Insurance in Grand Rapids, Michigan
February 21, 2026
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Cheapest Auto Insurance in Richmond, Kentucky
February 21, 2026
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February 21, 2026
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Cheapest Auto Insurance in Springfield, Illinois
February 21, 2026
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Gap Insurance in Connecticut
February 21, 2026
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Cheapest Auto Insurance in Huntsville, Texas
February 21, 2026
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Cheap Car Insurance Quotes in Atlanta, Georgia
February 21, 2026
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Cheapest Auto Insurance in Odessa, Texas
February 21, 2026
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Cheap Auto Insurance in Yonkers, New York
February 21, 2026
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Cheapest Auto Insurance in Ann Arbor, Michigan
February 21, 2026
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Cheap Auto Insurance in Berkeley, California
February 21, 2026
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Cheapest Auto Insurance in Midland, Texas
February 21, 2026
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Cheapest Auto Insurance in Anaheim, California
February 21, 2026
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Gap Insurance in Florida
February 21, 2026
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Cheapest Auto Insurance in Melbourne, Florida
February 21, 2026
Gap Insurance in Virginia
February 21, 2026
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Cheapest Auto Insurance in Pompano Beach, Florida
February 21, 2026
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Temporary Car Insurance in New Jersey
February 21, 2026
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February 21, 2026
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February 21, 2026
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February 21, 2026
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Gap Insurance in Colorado
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Cheapest Auto Insurance in Cedar Rapids, Iowa
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Cheapest Auto Insurance in Henderson, Kentucky
February 21, 2026
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Cheapest Auto Insurance in Lafayette, Louisiana
February 21, 2026
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Non-Owner Car Insurance in Florida
February 21, 2026
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Best Car Insurance for 20-Year-Old Drivers (February 2026)
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Non-Owner Car Insurance in California
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Cheapest Auto Insurance in Kansas City, Missouri
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Rideshare Insurance in Colorado
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Rideshare Insurance in Texas
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Cheapest Auto Insurance in Glen Burnie, Maryland
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Cheapest Auto Insurance in Terre Haute, Indiana
February 21, 2026
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Rideshare Insurance in Pennsylvania
February 21, 2026
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Cheapest Auto Insurance in Lawrenceville, Georgia
February 21, 2026
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Cheapest Auto Insurance in Manhattan, Kansas
February 21, 2026
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Temporary Car Insurance in Texas
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February 21, 2026
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February 21, 2026
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February 21, 2026
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Cheapest Auto Insurance in Elizabethtown, Kentucky
February 21, 2026
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February 21, 2026
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February 21, 2026
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Gap Insurance in Arkansas
February 21, 2026
Cheapest Auto Insurance in Denton, Texas
February 21, 2026
Gap Insurance in North Carolina
February 21, 2026
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February 21, 2026
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Temporary Car Insurance in Georgia
February 21, 2026
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February 21, 2026
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February 21, 2026
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Can You Get an Anonymous Car Insurance Quote?
February 21, 2026
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February 21, 2026
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Gap Insurance in Oklahoma
February 21, 2026
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Rideshare Insurance in Arizona
February 21, 2026
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Cost of Jeep Insurance
February 21, 2026
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Best Car Insurance for Nurses
February 21, 2026
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February 21, 2026
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Cheapest Auto Insurance in Lakeland, Florida
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February 21, 2026
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February 21, 2026
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February 21, 2026
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February 21, 2026
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February 21, 2026
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February 21, 2026
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February 21, 2026
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February 21, 2026
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Rideshare Insurance in New Jersey
February 21, 2026
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February 21, 2026
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February 21, 2026
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Gap Insurance in Michigan
February 21, 2026
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Rideshare Insurance in Georgia
February 21, 2026
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February 21, 2026
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February 21, 2026
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Arizona Car Insurance With Bad Credit
February 21, 2026
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February 21, 2026
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Cheapest Auto Insurance in Dearborn, Michigan
February 21, 2026
Cheapest Auto Insurance in Metairie, Louisiana
February 21, 2026
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Car Insurance for High-Risk Drivers in Texas
February 21, 2026
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February 21, 2026
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February 21, 2026
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February 21, 2026
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February 21, 2026
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Temporary Car Insurance in Illinois
February 21, 2026
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Temporary Car Insurance in Michigan
February 21, 2026
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February 21, 2026
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Rideshare Insurance in Massachusetts
February 21, 2026
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February 21, 2026
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February 21, 2026
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Rideshare Insurance in Nevada
February 21, 2026
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February 21, 2026
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February 21, 2026
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February 21, 2026
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Best Car Insurance for Antique and Classic Cars in Florida
February 21, 2026
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Cheapest Auto Insurance in New Orleans, Louisiana
February 21, 2026
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Car Insurance for First Responders
February 21, 2026
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February 21, 2026
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Cheapest Auto Insurance in Twin Falls, Idaho
February 21, 2026
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Cheapest Auto Insurance in Daytona Beach, Florida
February 21, 2026
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February 21, 2026
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Cheapest Auto Insurance in Lawrence, Kansas
February 21, 2026
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Cheapest Auto Insurance in Albany, Georgia
February 21, 2026
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February 21, 2026
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February 21, 2026
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What Is Gap Insurance for Cars, and Do You Need It?
February 21, 2026
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February 21, 2026
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Cheapest Auto Insurance in Gainesville, Georgia
February 21, 2026
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February 21, 2026
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February 21, 2026
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February 21, 2026
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February 21, 2026
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February 21, 2026
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Cheapest Car Insurance Quotes in Missouri
February 21, 2026
Temporary Car Insurance in Washington: What You Need to Know
February 19, 2026
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Car Insurance for Expats
February 19, 2026
Best Cars for Teen Drivers
February 19, 2026
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Car Insurance Requirements in Utah
February 19, 2026
Car Insurance Requirements in Wyoming
February 19, 2026
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How Much Will Insurance Pay for My Totaled Car? (Full Guide)
February 19, 2026
Car Insurance Requirements in Washington
February 19, 2026
Temporary Car Insurance in Colorado: What You Need to Know
February 19, 2026
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How to Get Car Insurance Online With a Checking Account
February 19, 2026
Cheap SR-22 Insurance in Tennessee
February 19, 2026
Car Insurance Requirements in Wisconsin
February 19, 2026
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Car Insurance Requirements in Nevada
February 19, 2026
Cheap SR-22 Insurance in Massachusetts
February 19, 2026
Temporary Car Insurance in Oregon: What You Need to Know
February 19, 2026
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Car Insurance Requirements in Vermont
February 19, 2026
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What Are the Best Cars for Senior Drivers?
February 19, 2026
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Temporary Car Insurance in Arizona: What You Need to Know
February 19, 2026
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Car Insurance Requirements in Oregon
February 19, 2026
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Tickets vs. Citations: What’s the Difference?
February 19, 2026
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Rideshare Insurance in North Carolina
February 19, 2026
How Much Does a Car Weigh? Average Weights of Common Cars
February 19, 2026
How to Get Cheaper Car Insurance With a Low Income
February 19, 2026
Car Insurance Requirements in Connecticut
February 19, 2026
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How Long Does a Tesla Battery Last?
February 19, 2026
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Can You Add Someone to Your Car Insurance Who Doesn’t Live With You?
February 19, 2026
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Car Insurance Requirements in South Dakota
February 19, 2026
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What Is the Difference Between a REAL ID and a Driver’s License?
February 19, 2026
Gap Insurance on Used Cars: Do You Need It?
February 19, 2026
Does Maryland Require SR-22 Insurance?
February 19, 2026
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The Ultimate Car Maintenance Checklist
February 19, 2026
Car Insurance Requirements in Indiana
February 19, 2026
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Rebuilt Title Insurance: Should You Buy It?
February 19, 2026
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Car Insurance Requirements in Virginia
February 19, 2026
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Car Insurance Requirements in West Virginia
February 19, 2026
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How Much Does an Alternator Replacement Cost?
February 19, 2026
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Cheapest Van Insurance
February 19, 2026
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What to Do When You’ve Locked Your Keys in the Car
February 19, 2026
Rideshare Insurance in Virginia
February 19, 2026
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Car Insurance Requirements in North Dakota
February 16, 2026
Car Insurance Requirements in Pennsylvania
February 16, 2026
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Average Car Insurance Cost in New Mexico
February 16, 2026
Cheap SR-22 Insurance in Washington, D.C., From $254
February 16, 2026
Car Insurance Requirements in Montana
February 16, 2026
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Car Insurance Requirements in Mississippi
February 16, 2026
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Why Is Car Insurance So Expensive in California?
February 16, 2026
Average Car Insurance Cost in Utah
February 16, 2026
Cheap SR-22 Insurance in Ohio from $90
February 16, 2026
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Average Car Insurance Cost in Kansas
February 16, 2026
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What Comprehensive Car Insurance Covers in Texas
February 16, 2026
Car Insurance Requirements in New Mexico
February 16, 2026
DWI Car Insurance in North Carolina
February 16, 2026
Cheap SR-22 Insurance in South Carolina From $78
February 16, 2026
Car Insurance Discounts for Texas Drivers
February 16, 2026
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What Is Full-Coverage Car Insurance?
February 16, 2026
Rideshare Insurance in Maryland
February 16, 2026
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2026 Drunk Driving Statistics
February 16, 2026
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Average Car Insurance Cost in Montana
February 16, 2026
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Average Car Insurance Cost in Iowa
February 16, 2026
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Car Insurance Requirements in Tennessee
February 16, 2026
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Average Car Insurance Cost in New Hampshire
February 16, 2026
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How Much Is Car Insurance for a 17-Year-Old in California?
February 16, 2026
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Average Car Insurance Cost in Nebraska
February 16, 2026
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Average Car Insurance Cost in Minnesota
February 16, 2026
Average Car Insurance Cost in Nevada
February 16, 2026
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Car Insurance Requirements in Washington, D.C.
February 16, 2026
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Car Insurance Requirements in Arkansas
February 16, 2026
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Car Insurance Requirements in Massachusetts
February 16, 2026
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Car Insurance Requirements in Rhode Island
February 16, 2026
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Car Insurance Requirements in Ohio
February 16, 2026
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Car Insurance Requirements in Kansas
February 16, 2026
Average Car Insurance Cost in Ohio
February 16, 2026
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How Much Is Insurance for an 18-Year-Old in Texas?
February 16, 2026
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Cheap SR-22 Insurance in Nevada From $70
February 16, 2026
Average Car Insurance Cost in Mississippi
February 16, 2026
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Average Car Insurance Cost in Indiana
February 16, 2026
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DUI Car Insurance in Wisconsin
February 16, 2026
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Find a Car Insurance Broker in Florida
February 16, 2026
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Car Insurance Requirements in Minnesota
February 16, 2026
Cheap SR-22 Insurance in Arizona from $94
February 16, 2026
Cheap SR-22 Insurance in Washington From $69
February 16, 2026
Cheap SR-22 Insurance in Arkansas from $59 Per Month
February 16, 2026
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How Long Does an Accident Affect Your Car Insurance Rates?
February 16, 2026
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Average Car Insurance Cost in Oklahoma
February 16, 2026
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Am I in a Flood Zone?
February 16, 2026
Car Insurance Requirements in Maryland
February 16, 2026
Cheap Car Insurance in West Virginia for Drivers With an SR-22 From $44
February 16, 2026
DUI Car Insurance in South Carolina
February 16, 2026
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What Is Pet Insurance? A Complete Guide
February 16, 2026
DWI Car Insurance in New Jersey
February 16, 2026
Cheap SR-22 Insurance in Missouri from $111
February 16, 2026
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Car Insurance Requirements in Louisiana
February 16, 2026
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Average Car Insurance Cost in Florida
February 16, 2026
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Here’s How Long a Speeding Ticket Stays on Your Record
February 16, 2026
11 Ways to Lower Car Insurance Costs in 2026
February 16, 2026
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How Much Is a Speeding Ticket?
February 16, 2026
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Average Car Insurance Cost in Idaho
February 16, 2026
Car Insurance Requirements in New Jersey
February 16, 2026
DUI Car Insurance in Michigan
February 16, 2026
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Cheapest Liability Car Insurance in New York
February 16, 2026
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DUI Car Insurance in Nevada
February 16, 2026
Cheapest Auto Insurance Quotes in Warner Robins, GA
February 16, 2026
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Car Insurance Requirements in Maine
February 16, 2026
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DUI Car Insurance in Florida
February 16, 2026
Average Car Insurance Cost in Arkansas
February 16, 2026
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Why Is Car Insurance So Expensive in Florida?
February 16, 2026
Average Car Insurance Cost in Georgia
February 16, 2026
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Car Insurance Requirements in Kentucky
February 16, 2026
DUI Car Insurance in Arizona
February 16, 2026
Car Insurance Requirements in Missouri
February 16, 2026
Cheap SR-22 Insurance in Oregon from $88
February 16, 2026
Average Car Insurance Cost in Missouri
February 16, 2026
Cheap SR-22 Insurance in Wisconsin From $47
February 16, 2026
DUI Car Insurance in Georgia
February 16, 2026
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Motorcycle Insurance Quotes
February 4, 2026
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Guide to Specialty Vehicle Insurance
February 4, 2026
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Average Car Price in 2026: What Buyers Really Pay
February 3, 2026
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Best Free VIN Checkers
February 3, 2026
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How Do Self-Driving Cars Work?
February 3, 2026
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Are Extended Car Warranties Worth It?
February 3, 2026
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Commercial Auto Liability Insurance: Coverages and Costs
February 3, 2026
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Can You Drive in New York With a Foreign License?
February 3, 2026
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Rebuilt Title: What It Is and How It Works
February 3, 2026
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Honda Accord Car Insurance Quotes
February 3, 2026
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What Is a Hybrid Car?
February 3, 2026
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Should I Buy an Extended Warranty On a Used Car?
February 3, 2026
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Cost of Mazda Car Insurance
February 3, 2026
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Average Miles Driven Per Year in the U.S.
February 3, 2026
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Ford Mustang Car Insurance Quotes
February 3, 2026
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Toyota Camry Car Insurance Quotes
February 3, 2026
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How to Insure Your Mobile Catering Van
February 3, 2026
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Guide to Commercial Dump Truck Insurance
February 3, 2026
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Commercial Food Truck Insurance: Coverages and Costs
February 3, 2026
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The Best Roadside Assistance Plans in
February 3, 2026
Cost of Toyota Corolla Car Insurance
February 3, 2026
Cost of Ford Ranger Insurance
February 3, 2026
What Is a Diminished Value Claim?
February 3, 2026
Nissan Altima Car Insurance
February 3, 2026
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Distracted Driving Statistics
February 3, 2026
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Do Parking Tickets Increase Your Car Insurance Rates?
January 27, 2026
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How Much Does a Tesla Replacement Battery Cost?
January 23, 2026
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What Is Renters Insurance?
January 13, 2026
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Average Car Insurance Cost in Vermont
November 14, 2025
Average Car Insurance Cost in Maine
November 14, 2025
Average Car Insurance Cost in North Dakota
November 14, 2025
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Average Car Insurance Cost in Washington, D.C.
November 14, 2025
Nebraska Car Insurance Laws
November 13, 2025
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Is It Illegal to Drive With Headphones in Texas?
November 13, 2025
What to Know if You Get Into an Accident With an Uninsured Driver in Texas
November 13, 2025
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What to Do After an Accident With an Uninsured Driver in Florida
November 13, 2025
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Accident With a Borrowed Car in New York: What Happens?
November 13, 2025
How Much Is Insurance for a 17-Year-Old in Texas?
November 6, 2025
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Is Texas a No-Fault State for Auto Insurance?
November 6, 2025
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Can You Drive in Florida With a Foreign License?
October 22, 2025
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How Much Is Homeowners Insurance on a $150,000 House?
October 17, 2025
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What Your Home’s Protection Class Is and How to Find It
October 17, 2025
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Car Insurance Rates by ZIP Code
October 15, 2025
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Do You Have to Add a Teenager to Your Car Insurance in Texas?
October 15, 2025
How to Renew Your Car Insurance
October 15, 2025
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Texas Car Accident Laws and Regulations
October 15, 2025
Uninsured Motorist Coverage in Florida: What to Know
October 15, 2025
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How Long Does an Insurance Company Have to Investigate an Auto Claim in Texas?
October 15, 2025
Can You Drive in Texas With a Foreign License?
October 15, 2025
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Temporary Car Insurance in Virginia: What You Need to Know
October 15, 2025
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What to Know About Personal Injury Protection Coverage in Texas
October 15, 2025
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Average Car Insurance Rates by Vehicle Model
September 18, 2025
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Uninsured Motorist Coverage in California: What to Know
September 18, 2025
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Commercial Auto Insurance for Small Businesses
September 18, 2025
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High-Deductible Car Insurance
July 8, 2025
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Do Car Insurance Costs Increase After a Claim?
July 8, 2025
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July 8, 2025
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Uninsured Motorist Coverage in Texas: What to Know
July 8, 2025
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How to Get Car Insurance in Florida
July 8, 2025
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July 8, 2025
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How Much is Insurance for a 16-Year-Old in Texas?
July 8, 2025
Is New York a No-Fault State for Auto Insurance?
July 8, 2025
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Florida Car Insurance Laws
July 8, 2025
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Farm Bureau Auto Insurance: User Reviews and Quotes
July 8, 2025
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How Old Do You Have to Be to Drive in Each State?
July 8, 2025
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How Much Does Flood Insurance Cost?
July 8, 2025
How to Get a Driver’s License in Georgia
July 8, 2025
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What Is a Homeowners Insurance Declaration Page?
July 2, 2025
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What Storage Unit Insurance Covers
July 2, 2025
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What Is Recoverable Depreciation?
July 2, 2025
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Airbnb Insurance: A Guide for Hosts and Guests
July 2, 2025
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What Is an Escrow Balance, and How Is It Calculated?
July 2, 2025
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Personal Property Coverage: What You Need to Know
July 2, 2025
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How Much Does It Cost to Neuter a Cat?
July 2, 2025
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What Is Equipment Breakdown Coverage?
July 2, 2025
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What Is Actual Cash Value? Understanding Your Home Insurance Policy
July 2, 2025
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How Does Car Insurance Work?
July 2, 2025
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What Is Loss of Use Coverage in Homeowners Insurance?
July 2, 2025
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Does Pet Insurance Cover Spaying or Neutering?
July 2, 2025
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What Does Pet Insurance Cover?
July 2, 2025
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What Is a Moral Hazard in Homeowners Insurance?
July 2, 2025
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Cheapest Used-Car Insurance
May 20, 2025
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Property Management Insurance: What to Know About Coverage
March 26, 2025
What to Do After a Hit-and-Run
March 26, 2025
Does Personal Car Insurance Cover a Rental Car?
March 26, 2025
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How Much Does Life Insurance Cost?
March 25, 2025
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How to Buy Life Insurance in 2026
March 25, 2025
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How Much Life Insurance Do You Need?
March 25, 2025
)
What to Look for When Buying a Used Car
March 25, 2025
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Do You Need Life Insurance?
March 25, 2025
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What Is a DUI?
October 24, 2024
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DUI vs. DWI: What’s the Difference?
October 1, 2024
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Extended Car Warranties: What You Need to Know
July 19, 2024
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What Does Collision Insurance Cover?
May 2, 2024
…