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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
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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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Cheapest Car Insurance Quotes in Washington
State Farm offers the cheapest car insurance rates in Washington, at $56 per month for a liability policy. Get an auto insurance quote in seconds and find out how much you can save.
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Car Insurance for High-Risk Drivers in Texas
State Farm offers the cheapest rates in Texas for high-risk drivers, averaging $53 monthly for drivers with incidents on their records.
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Cheapest Car Insurance Quotes in Charlotte, North Carolina (June 2026)
The cheapest auto insurer in Charlotte is Nationwide, with average monthly rates of $69 for liability insurance. Drivers in Charlotte pay the highest premiums in North Carolina due to greater population density, major congestion, and high theft rates.
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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 Car Insurance Quotes in Raleigh, North Carolina (June 2026)
At $58 per month, Nationwide is the cheapest insurer for liability coverage in Raleigh. The state capital is also a hub for business, education, and entertainment, so it sees heavy traffic year-round.
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Average Cost of Car Insurance in Oregon
Drivers in Oregon pay an average monthly rate of $124 for car insurance.
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Cheapest Auto Insurance in High Point, North Carolina
With monthly liability rates as low as $61, Erie is the cheapest car insurance company in High Point.
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Cheapest Car Insurance Quotes in Vermont
State Farm is the cheapest car insurance company in Vermont, with an average monthly liability coverage rate of $19. Shop real-time quotes for Vermont and buy your policy all in one place with Insurify.
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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 $96 per month for liability coverage.
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Cheapest Auto Insurance in Elizabethtown, Kentucky
With monthly liability rates of $60, Progressive is the cheapest car insurance company in Elizabethtown.
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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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Cheap Car Insurance Quotes in Minneapolis (June 2026)
State Farm offers the cheapest liability coverage in Minneapolis, with rates of $63 per month. Harsh winters, heavy traffic on I-94 and I-35W, and elevated vehicle theft in some neighborhoods all affect Minneapolis car insurance prices.
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Cheapest Auto Insurance in Jacksonville, North Carolina
Erie offers the cheapest car insurance in Jacksonville, with minimum-coverage policies as low as $55 per month.
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Cheapest Car Insurance Quotes in Dallas (June 2026)
State Farm offers Dallas drivers the cheapest car insurance rates, at $49 per month for liability coverage. But Dallas drivers face above-average rates, possibly due to heavy traffic congestion and high vehicle theft rates.
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Cheapest Auto Insurance in Ann Arbor, Michigan
Auto-Owners offers the cheapest car insurance in Ann Arbor, with minimum-coverage policies as low as $59 per month.
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How Much Does Car Insurance Go Up After an Accident?
An at-fault accident can raise your rates by 34% or more, but the increase depends on your insurer, state, and driving history.
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Cheapest Auto Insurance in Cleveland, Ohio
State Farm offers the cheapest car insurance in Cleveland, with minimum-coverage policies as low as $41 per month.
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Cheap SR-22 Insurance in Idaho from $84
The average cost of SR-22 car insurance for Idaho drivers with a past DUI is $84 per month for liability coverage and $143 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 Car Insurance Quotes in Wisconsin
USAA offers some of the cheapest car insurance in Wisconsin, with an average rate of $30 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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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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Cheap SR-22 Insurance in Missouri from $109
Missouri drivers with SR-22 car insurance pay $109 per month for liability coverage and $213 for full coverage, on average.
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Cheapest Car Insurance Quotes in Georgia
Auto-Owners has the cheapest liability-only car insurance in Georgia, with an average monthly quote of $73. Auto-Owners offers the cheapest average rates for full coverage, at $130. See real-time quotes for Georgia and buy your policy online in minutes.
Car Insurance for High-Risk Drivers in New Jersey
NJM, USAA, and The General offer some of the best car insurance for high-risk drivers in New Jersey.
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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 $52 per month.
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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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Cheapest Auto Insurance in Lowell, Massachusetts
The cheapest monthly insurance coverage in Massachusetts is $52 from State Farm.
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Car Insurance Requirements in Michigan
Because it’s a no-fault state, Michigan requires all drivers to carry personal injury protection and property protection insurance in addition to basic liability coverage.
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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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Cheap SR-22 Insurance in Wyoming From $61
Dairyland has the cheapest SR-22 insurance in Wyoming.
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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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Cheapest Car Insurance Quotes in San Marcos, Texas (June 2026)
State Farm offers the cheapest car insurance quotes in San Marcos, with rates at $43 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 (June 2026)
Auto-Owners offers the cheapest car insurance quotes in Lincoln, Nebraska, with rates at $38 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.
Cheap Car Insurance Quotes in Flint, Michigan (June 2026)
Auto-Owners offers the cheapest insurance coverage in Flint, Michigan, with insurance premiums of $72 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.
Cheapest Car Insurance Quotes in Atlanta (June 2026)
Auto-Owners is the cheapest auto insurance in Atlanta, with liability car insurance at an average cost of $100 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 (June 2026)
Marietta drivers can find the cheapest insurance coverage with Auto-Owners, with liability rates averaging $82 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 (June 2026)
USAA offers the cheapest car insurance in St. Louis, with an average liability rate of $66 per month. The St. Louis area is vulnerable to tornadoes, flooding, and earthquakes, which may affect car insurance costs.
Cheapest Car Insurance Quotes in Minnesota
State Farm offers the most affordable car insurance in Minnesota, with an average premium of $53 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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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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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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Best Homeowners Insurance Companies in Indiana
Allstate offers some of the cheapest homeowners insurance policies in Indiana, with premiums averaging $60 per month.
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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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Best New York Homeowners Insurance Quotes
With monthly premiums starting at $72, Travelers offers some of the cheapest homeowners insurance policies in New York.
Best Homeowners Insurance Companies in Texas
USAA, Chubb, and Nationwide are some of our top picks for homeowners insurance companies in Texas.
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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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Cheapest Full-Coverage Car Insurance in Michigan
Michigan drivers can find the cheapest full-coverage car insurance from Auto-Owners, with rates starting at $68 per month.
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Best Kansas Homeowners Insurance Quotes
With monthly premiums averaging $190, Farmers offers some of the cheapest homeowners insurance policies in Kansas.
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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 Car Insurance in Tennessee
State Farm, Travelers, and GEICO are among the best car insurance companies in Tennessee.
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Progressive vs. Travelers: Which Insurance Company Is Better in 2026?
Progressive and Travelers take different paths to serving drivers. Progressive offers better policy customization, while Travelers has more new-car benefits and fewer customer complaints.
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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 $297.
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How Much Is Car Insurance for a 16-Year-Old in California?
The average monthly auto insurance rate for a teen driver in California is $267, but other factors may determine the cost of a 16-year-old driver’s insurance policy.
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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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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.
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How Much Is Pet Insurance?
Pet insurance costs an average of $43 per month for dogs and $23 per month for cats, Insurify data shows.
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Best Car Insurance in Massachusetts
Travelers Insurance, Liberty Mutual, and Midvale Home & Auto are among the best auto insurance companies in Massachusetts.
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Best Homeowners Insurance Companies in South Carolina
Top home insurance companies in South Carolina include Chubb, Foremost, and USAA.
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Best Car Insurance in Oklahoma
State Farm, USAA, and GEICO are among the best car insurance companies in Oklahoma.
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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.
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Best Pet Insurance in Utah
Lemonade, Pets Best, and Figo are among the best pet insurance companies in Utah.
Best Homeowners Insurance Companies in Missouri
USAA and State Farm are two of the top insurers for Missouri homeowners.
Best Homeowners Insurance Companies in Wisconsin
American Family, State Farm, and Nationwide stand out as top home insurance options for Wisconsin homeowners.
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GEICO vs. The Hartford: Which Insurance Company Is Better in 2026?
GEICO tends to offer drivers better rates. But drivers are generally happier with The Hartford’s claims process.
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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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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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Best Homeowners Insurance Companies in Maryland
Travelers and USAA are among the cheapest home insurance companies operating in Maryland.
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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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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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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.
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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What Is No-Fault Insurance in Florida?
Florida is a no-fault insurance state, which means drivers file claims for damages with their insurer, regardless of fault.
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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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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 Homeowners Insurance for Veterans and Military Members
With low rates, a robust menu of optional coverages, and a number of available discounts, Armed Forces Insurance is the best overall home insurance option for veterans and military members.
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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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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.
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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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