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Experience
- Personal finance
- Home insurance
- Auto insurance
- Small business insurance
- Small business finance
- Retirement savings
About Emily's expertise
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Emily lives in Milwaukee with her family. Emily has been an Insurify contributor since October 2022.
Featured Work
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.
Emily's latest posts
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Car Insurance for High-Risk Drivers in Colorado
State Farm, USAA, and The General offer some of the best car insurance for high-risk drivers in Colorado.
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Car Insurance for High-Risk Drivers in Alabama
State Farm, USAA, and Auto-Owners are a few of the best car insurance companies for high-risk drivers in Alabama.
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Cheapest Auto Insurance in Lynchburg, Virginia
Auto-Owners offers the cheapest car insurance in Lynchburg, with minimum-coverage policies as low as $47 per month.
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Cheapest Auto Insurance in Elizabethtown, Kentucky
With monthly liability rates of $57, Progressive is the cheapest car insurance company in Elizabethtown.
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Cheap SR-22 Insurance in Idaho from $87
The average cost of SR-22 car insurance for Idaho drivers with a past DUI is $87 per month for liability coverage and $145 for full coverage.
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Car Insurance Requirements in Wyoming
Wyoming drivers must have 25/50/20 in liability coverage to legally get behind the wheel.
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Cheapest Auto Insurance in Garden City, Kansas
State Farm offers the cheapest car insurance in Garden City, with minimum-coverage policies as low as $48 per month.
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Cheap SR-22 Insurance in Wyoming From $63
Dairyland has the cheapest SR-22 insurance in Wyoming.
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Cheapest Car Insurance Quotes in San Marcos, Texas (November 2026)
State Farm offers the cheapest car insurance quotes in San Marcos, with rates at $47 per month. San Marcos is at risk of natural hazards, like tornadoes, hail, and wildfires, which can affect the cost of car insurance.
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Cheapest Car Insurance Quotes in Lincoln (November 2026)
Auto-Owners offers the cheapest car insurance quotes in Lincoln, Nebraska, with rates at $41 per month. Lincoln experiences heavy winter weather, so the Lincoln Police Department increases traffic enforcement during winter months to improve traffic safety, which may affect the cost of car insurance.
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Cheap Car Insurance Quotes in Flint, Michigan (November 2026)
Auto-Owners offers the cheapest insurance coverage in Flint, Michigan, with insurance premiums of $76 per month. More than 90% of Flint’s local streets are in poor condition, and a harsh 2026 winter has added a large number of new potholes, all of which can affect the cost of an insurance policy.
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Cheapest Car Insurance Quotes in Atlanta (November 2026)
Auto-Owners is the cheapest auto insurance in Atlanta, with liability car insurance at an average cost of $101 per month. Atlanta experiences a high rate of vehicle thefts, ranking No. 12 in the nation by volume, which may affect auto insurance pricing for drivers in the state capital.
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Cheap Car Insurance Quotes in Marietta, Georgia (November 2026)
Marietta drivers can find the cheapest insurance coverage with Auto-Owners, with liability rates averaging $85 per month. The average commute is 27.5 minutes, which is longer than the national average. The extra time behind the wheel can increase insurance premiums.
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Cheapest Car Insurance Quotes in St. Louis (November 2026)
USAA offers the cheapest car insurance in St. Louis, with an average liability rate of $72 per month. The St. Louis area is vulnerable to tornadoes, flooding, and earthquakes, which may affect car insurance costs.
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Cheapest Car Insurance Quotes in Minnesota
State Farm offers the most affordable car insurance in Minnesota, with an average premium of $51 per month for minimum coverage. Shop real-time Minnesota car insurance quotes and buy your policy online in minutes with Insurify.
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Rideshare Insurance in Georgia: Costs, Requirements, and Best Companies
You don’t legally need a personal rideshare insurance policy as a rideshare driver in Georgia. But adding rideshare insurance can help you close the coverage gaps between your personal policy and the coverage that Uber or Lyft provides.
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Cheapest Car Insurance Quotes in Apopka, Florida (November 2026)
State Farm offers the cheapest car insurance in Apopka, with liability rates averaging $82 per month. The average commute time in Apopka is more than 31 minutes, exceeding the national average and that of nearby Orlando. That extra time behind the wheel can affect car insurance rates.
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Cheap Car Insurance Quotes in Santa Barbara, California (November 2026)
USAA has the cheapest auto insurance in Santa Barbara, with liability policies averaging $54 per month. Santa Barbara is a tourist destination that welcomes more than 6.5 million visitors every year, and additional drivers on the road can affect insurance costs.
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Cheap Car Insurance Quotes in Pasadena, California (November 2026)
USAA offers the cheapest car insurance in Pasadena, with liability premiums averaging $83 per month. Los Angeles County, where Pasadena is located, has the highest rate of vehicle thefts by volume in the nation, which may affect your monthly premiums.
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Rideshare Insurance in Illinois: Costs, Requirements, and Best Companies
If you drive for Uber or Lyft in Illinois, you must meet the state’s insurance requirements for rideshare drivers. A rideshare endorsement can help fill gaps between your personal auto policy and the rideshare company’s coverage.
Rideshare Insurance in New Jersey: Costs, Requirements, and Best Companies
If you drive for Uber, Lyft, DoorDash, or another rideshare or carpool company in New Jersey, your personal auto policy may not fully protect you while you’re working.
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Rideshare Insurance in North Carolina: Costs, Requirements, and Best Companies
North Carolina state law doesn’t require Uber or Lyft drivers to carry rideshare insurance. But you must notify your insurance company if you plan to drive for a rideshare company.
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Cheap Car Insurance Quotes in Clarksville, Tennessee (November 2026)
State Farm offers the cheapest car insurance in Clarksville, with liability premiums averaging $40 per month. The history of extreme weather in Northern Tennessee, including tornadoes and flooding, may affect average car insurance rates in Clarksville.
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Cheap Car Insurance Quotes in Peoria, Illinois (November 2026)
Auto-Owners offers the most affordable car insurance in Peoria, with liability premiums averaging $41 per month. Central Illinois is vulnerable to tornadoes, which may affect car insurance rates in Peoria.
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Cheap Car Insurance Quotes in Lansing, Michigan (November 2026)
USAA offers the cheapest car insurance quotes in Lansing, with liability premiums averaging $62 per month. With Michigan State University only three miles away in East Lansing, the annual influx of 52,000 students to the area may affect car insurance costs.
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Cheapest Car Insurance Quotes in Waukegan, Illinois (November 2026)
Auto-Owners offers the most affordable car insurance in Waukegan, Illinois, with liability premiums averaging $43 per month. Lake County, which includes Waukegan, averages 36 inches of snowfall per year, which may affect car insurance rates.
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Adding Your Child to Your Car Insurance: Do You Have to Do It?
When your teen becomes a licensed driver, they must have auto insurance — and it’s generally cheapest to add them to your auto policy.
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Cost of Ford Car Insurance
Ford insurance costs an average of $135 per month across all models.
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Can You Get Insurance with a Learner’s Permit?
It’s possible to get a separate car insurance policy with a learner’s permit, but for most new drivers, it’s cheaper and easier to join their parents’ policies.
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Safeco vs. Travelers: Which Insurance Company Is Better in 2026?
Travelers offers more customizable coverage and a longer list of discounts than Safeco.
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Auto-Owners Insurance: User Reviews and Quotes
Auto-Owners offers great rates, multiple discounts, and excellent financial strength.
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Cost of Acura Car Insurance
Acura car insurance costs an average of $104 per month for liability-only coverage and $195 per month for full coverage.
Best Car Insurance in Massachusetts
Travelers Insurance, Liberty Mutual, and Allstate are among the best auto insurance companies in Massachusetts.
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American Family vs. State Farm: Which Insurance Company Is Better in 2026?
State Farm has lower average rates, wider availability, and a higher financial strength rating compared to American Family Insurance.
Classic Car Insurance in Georgia
Classic car insurance in Georgia protects your vintage car for less than a standard insurance policy, but there are some important restrictions on how you can use your vehicle.
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Cheap Car Insurance for Senior Drivers in California
USAA offers the cheapest car insurance for senior drivers in California, with an average liability rate of $56 per month.
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Same-Day Car Insurance in New York: How to Get Covered Today
Most major insurance companies in New York offer same-day coverage, providing a downloadable insurance card and other proof of coverage on the day you purchase your insurance policy.
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Rideshare Insurance in New York: Costs, Requirements, and Best Companies
New York state doesn’t legally require Uber and Lyft drivers to carry rideshare insurance. But a personal auto insurance policy may not fully cover rideshare drivers while driving for a rideshare company.
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Best Car Insurance in Illinois
Auto-Owners, State Farm, and Progressive are among the best car insurance companies in Illinois. Prairie State drivers pay an average of $123 per month for coverage.
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Cheap Car Insurance for Senior Drivers in Arizona
Just Pay-Per-Mile has the most affordable car insurance for senior drivers in Arizona, with average liability coverage of $41 per month.
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Classic Car Insurance in Nevada
If you own a classic vehicle in Nevada, classic car insurance may be cheaper than regular auto insurance — but it may include usage restrictions.
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Best Homeowners Insurance Companies in Kentucky
Kentucky homeowners can find the best insurance policies and prices with Travelers, Allstate, and State Farm.
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Best New York Homeowners Insurance Quotes
With monthly premiums starting at $74, Travelers offers some of the cheapest homeowners insurance policies in New York.
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Best Kansas Homeowners Insurance Quotes
With monthly premiums averaging $187, Farmers offers some of the cheapest homeowners insurance policies in Kansas.
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Best Homeowners Insurance Companies in Maryland
Travelers and USAA are among the cheapest home insurance companies operating in Maryland.
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How Much Homeowners Insurance Do You Need?
You should consider the cost to rebuild your home, the value of your assets, and your risk tolerance to decide the amount of homeowners insurance you need.
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5 Best St. Petersburg Homeowners Insurance Companies
State Farm, Security First, AFI, and Nationwide offer the best homeowners insurance policies in St. Petersburg, Florida.
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5 Best Jacksonville Homeowners Insurance Companies
Allstate offers some of the cheapest homeowners insurance policies in Jacksonville, Florida, with average monthly premiums of $298.
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How to Renew Car Insurance in 2026
Most policies renew automatically, but renewal is the best time to compare quotes and challenge rate hikes.
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Temporary Car Insurance in North Carolina (November 2026)
In North Carolina, a six-month policy is the minimum car insurance term. But if you need temporary auto insurance, a number of alternative options can meet your needs.
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Electric Auto Insurance: User Reviews and Quotes
Electric Insurance Company is known for being a subsidiary of GE, but it’s soon to be sold.
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Wawanesa Auto Insurance: User Reviews and Quotes
Wawanesa offers competitive policy rates, superior financial strength, and high industry ratings for customer satisfaction. But it’s only available in California and Oregon.
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Classic Car Insurance in Massachusetts
Massachusetts classic car insurance can protect collector vehicles for less than traditional auto insurance, but there are restrictions on how classic car owners can use their vehicles.
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Illinois Car Insurance Laws
Illinois law requires drivers to have at least 25/50/20 minimum liability coverage. The Illinois Department of Insurance checks every vehicle’s liability coverage twice per year.
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Accidental Death and Dismemberment (AD&D) Insurance: What to Know
AD&D can supplement an existing health or life insurance policy, providing financial protection in case of serious injury or death.
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Who’s Eligible for Medicare, and How Do You Enroll?
Americans older than 65 and those receiving Social Security disability benefits are eligible for Medicare and can enroll online.
Classic Car Insurance in South Carolina
Classic car insurance in South Carolina covers your beloved vintage car for a lower price than a standard insurance policy, but this coverage limits how you can use the vehicle.
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Can You Get Car Insurance Without a License in Illinois?
You can buy car insurance in Illinois without a valid driver’s license. State Farm, Progressive, and GEICO are some of the best insurers if you need coverage but don’t have a license.
Temporary Car Insurance in South Carolina: What Your Short-Term Options Really Are
Car insurance policies in South Carolina last a minimum of six months, but you can purchase a standard policy and cancel it early if you need temporary coverage.
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Non-Owner Car Insurance in Georgia
If you don’t own a vehicle but still need to drive in Georgia, you may need non-owner car insurance. Non-owner policies are great if you regularly borrow someone’s car or need to maintain coverage as part of an SR-22 requirement.
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Best Pet Insurance in Oklahoma
Pets Best, AKC Pet Insurance, and Figo are among the best pet insurance companies available in Oklahoma.
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Best Pet Insurance in Utah
Lemonade, Pets Best, and Figo are among the best pet insurance companies in Utah.
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Best Pet Insurance in Wyoming
Figo, Pets Best, and ASPCA pet health insurance are a few of the best pet insurance companies available in Wyoming.
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Best Earthquake Insurance Companies
California Earthquake Authority, Allstate, and American Family Insurance are among the best earthquake insurance companies for homeowners.
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Best Renters Insurance in California
Travelers, Allstate, and USAA offer some of the cheapest renters insurance policies in California.
Best Renters Insurance in California
Travelers, Allstate, and USAA offer some of the cheapest renters insurance policies in California.
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How to Get Homeowners Insurance With a Bad Roof
A roof is your home’s first line of defense against the elements. That’s why you may find it more costly or difficult to buy homeowners insurance coverage with an old or damaged roof.
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Advance Auto Parts Auto Warranty Review: Prices and Ratings
If a battery or other auto part bought from Advance Auto Parts fails because of a workmanship or materials defect within 90 days of purchase, the retailer will refund or replace the part.
Pets Best vs. Nationwide: Which Is the Best for Your Pet?
Pets Best’s mobile app, friendly customer service, and universal acceptance by U.S. and Canadian vets make it a better choice for pet owners than Nationwide.
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Toggle Renters Insurance Review: Cost, Coverage, and More
Toggle renters insurance features flexibility and customization, but its digital-only platform can cause frustration with the claims process.
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Nationwide Renters Insurance Review: Cost, Coverage, and More
You can buy Nationwide renters insurance online in 43 states. It’s more expensive and has fewer options than competitors.
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Best Travel Insurance Companies
Travelex, Allianz, and Travel Insured International are three of the best travel insurance companies. Learn more about how to protect your dream vacation from travel risks.
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Guide to Commercial Car Insurance in Texas
If driving is part of your regular business activities in Texas, you need commercial auto insurance.
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How to File a Flood Insurance Claim
You typically have 60 days from the flood to file a flood insurance claim. Make sure to document the damage thoroughly and as soon as you can.
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Chevrolet Blazer EV Car Insurance Quotes
Insuring a Chevrolet Blazer EV costs an average of $139 per month, which is slightly less than the national average cost of car insurance.
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Guide to Commercial Car Insurance in New York
If you drive for a living in New York State, you need commercial car insurance.
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Tow Truck Insurance: Coverages and Costs
Any business offering towing services must have tow truck insurance. Make sure you understand how this required coverage will fit in your business budget.
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Chevrolet Silverado 1500 Car Insurance Quotes
Insurance for a Chevrolet Silverado 1500 full-size pickup costs an average of $135 per month.
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Ford Escape Car Insurance Quotes
Insuring a Ford Escape SUV costs an average of $158 per month for full coverage.
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Toyota Prius Car Insurance Quotes
People who drive a Toyota Prius pay an average of $91 per month for liability-only insurance and $171 per month for full-coverage insurance.
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Is Flood Insurance Tax-Deductible?
You can’t deduct flood insurance premiums on your income tax return. But you may be able to claim deductions for certain other home-related expenses.
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How to Cancel Your Lemonade Pet Insurance Policy
Lemonade makes it easy to cancel your pet insurance policy, and it will refund you the unused portion of your premiums.
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Cost of BMW 3 Series Car Insurance
USAA, State Farm, and GEICO have three of the lowest full-coverage rates for BMW 3 Series drivers.
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Cost of Dodge Charger Car Insurance
USAA, State Farm, and GEICO have three of the lowest full-coverage rates for Dodge Charger drivers.
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Best Detroit Homeowners Insurance Quotes
Auto-Owners offers some of the cheapest homeowners insurance policies in Detroit, with annual premiums averaging $678.
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Arrowhead Auto Insurance: User Reviews and Quotes
Arrowhead General Insurance Agency focuses on specialty insurance in the commercial market rather than private auto insurance.
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Is Homeowners Insurance Included in Your Mortgage?
Mortgage lenders typically include your home insurance premium in the escrow portion of your monthly mortgage payment.
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Cost of Owning a Mini Goldendoodle : Purchase, Vet Bills, and More
Mini goldendoodles are among the most popular mixed-breed dogs in the United States. Buying one of these in-demand dogs can be expensive.
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Best Rochester Homeowners Insurance Quotes
Ocean Harbor Casualty offers the cheapest homeowners insurance in Rochester, at an average annual rate of $402.
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Trazodone for Dogs: When to Use and Side Effects
Trazodone is a safe, effective, and inexpensive anxiety medication for dogs.
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How to Care for a Kitten
Kittens can be expensive and a lot of work. Here’s what you need to know about taking care of your new pet.
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USA Underwriters Auto Insurance Review: Ratings and Quotes
USA Underwriters is a Michigan-based auto insurer offering affordable coverage to higher-risk drivers in its home state.
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Speeding Toward Trouble: States with the Most Street Racers
Racing modified vehicles on public roads is a dangerous but growing pastime. Find out which states have the most street racers.
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Crash Course: Cities with the Rudest Drivers in Each State 2023
How rude are the drivers in your hometown? Here are the cities with the rudest drivers in each state.
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These 10 Car Brands Have the Most Speeding Tickets
Infiniti, Scion, and Volkswagen are the car brands with the most speeding tickets for 2023. Find out more.
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10 States with the Best Pet Healthcare
Florida, South Dakota, and Oregon are the top three states with the best healthcare for pets. See where else your pet is in safe hands.
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These Occupations Have the Rudest Drivers in 2022
Journalists, taxi drivers, and floor layers make up some of the rudest drivers on our list. Check out the full list for more insights.
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