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Experience
- Car insurance
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About Jamie's expertise
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Since October 2022, Jamie’s written nearly 1,000 articles for Insurify, helping readers make better decisions while navigating the complex insurance landscape.
Featured Work
MSN: Better than coffee: 14 podcasts that will inspire your mornings
Business News Daily: Business Liabilities Every Owner Should Know
U.S. Chamber of Commerce: A Guide to Employee Record Retention
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.
Jamie's latest posts
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Car Insurance for High-Risk Drivers in Oregon
High-risk drivers in Oregon pay more for car insurance than people with clean driving records, but you can take steps to lower your insurance rates.
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Cheap Auto Insurance in Madison, Wisconsin
USAA offers the cheapest car insurance in Madison, with minimum-coverage policies as low as $28 per month.
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Arizona Car Insurance With Bad Credit
Affordable car insurance is within reach, even if you have a poor credit history. Here’s how to lower your costs and stay protected.
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Average Car Insurance Cost in Maine
Drivers in Maine pay an average of $107 per month for car insurance.
Car Insurance Requirements in Maine
Maine requires 50/100/25 limits for liability insurance, and drivers must also purchase medical payments and uninsured/underinsured motorist coverages.
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Cheapest Auto Insurance in Franklin, Tennessee
State Farm offers the cheapest car insurance in Franklin, with a liability quote of $36 per month.
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Cheapest Auto Insurance in Harrisonburg, Virginia
Harrisonburg drivers can secure rates as low as $43 per month for liability-only coverage through Auto-Owners.
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Cheapest Auto Insurance in Hobbs, New Mexico
Progressive offers the cheapest car insurance in Hobbs, with minimum-coverage policies as low as $42 per month.
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Cheapest Auto Insurance in Manhattan, Kansas
With a monthly liability-only rate of $39, State Farm is the cheapest car insurance company in Manhattan.
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Cheap Car Insurance Quotes in Abilene, Texas (November 2026)
State Farm is the cheapest car insurance company for Abilene drivers, with rates at $41 per month. Local West Texas factors like severe thunderstorms and hail can increase your insurance rates.
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Cheapest Car Insurance Quotes in Galveston, Texas (November 2026)
State Farm is the cheapest auto insurance option in Galveston, with liability rates of $51 per month. Heavy congestion, especially during tourist season, affects the city’s rates.
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Cheapest Car Insurance Quotes in Lubbock, Texas (November 2026)
State Farm is the best option for cheap car insurance in Lubbock, with rates starting at $45 per month. Find out how to compare car insurance rates to get the best deal.
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Cheapest Car Insurance Quotes in Orem, Utah (November 2026)
USAA is the cheapest insurance company in Orem, with an average monthly rate of $53 for liability-only coverage. The city’s high accident rate and heavy Interstate 15 congestion may contribute to higher insurance costs.
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Cheapest Car Insurance Quotes in Milwaukee (November 2026)
USAA is the best option for cheap Milwaukee car insurance, with an average rate of $44 per month. Milwaukee has more auto thefts than other Wisconsin cities, which drives up insurance prices.
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Cheap Car Insurance Quotes in Henderson, Nevada (November 2026)
Country Financial is the cheapest insurer in Henderson, with an average monthly rate of $51 for liability-only coverage. A high vehicle theft rate, heavy traffic congestion, and unpredictable summer weather contribute to the city’s car insurance costs.
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Cheap Car Insurance Quotes in Dayton, Ohio (November 2026)
State Farm is the cheapest insurer for Dayton car insurance, with an average monthly liability rate of $39. Dayton’s risk of severe winter storms and tornadoes can increase rates in the city.
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Cheap Car Insurance Quotes in Lakeland, Florida (November 2026)
State Farm is the cheapest insurer in Lakeland, with an average monthly rate of $76. Congestion on I-4 and accident risks influence Lakeland’s car insurance rates.
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Cheap Car Insurance Quotes in Hollywood, Florida (November 2026)
State Farm is the cheapest insurer in Hollywood, with an average monthly liability rate of $96. Hollywood’s car insurance rates are higher than the Florida average due to the city’s congestion and flood risk.
Cheapest Car Insurance Quotes in Utah
USAA is the cheapest insurer in Utah, with an average monthly liability rate of $50. Receive real-time quotes for Utah car insurance and buy your policy in one place with Insurify.
Cheapest Car Insurance Quotes in Cincinnati (November 2026)
State Farm has the cheapest Cincinnati car insurance, with an average monthly liability rate of $43. Cincinnati’s risk for severe weather, including hail, tornadoes, and flooding, may lead to higher auto insurance rates.
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Georgia Car Insurance Requirements in 2026
All Georgia drivers must meet the state’s minimum liability insurance requirements of 25/50/25. If you fail to maintain the required coverage, you may face fines and penalties.
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Cheapest Car Insurance Quotes in Roseville, California (November 2026)
USAA is the cheapest insurer in Roseville, with an average monthly liability rate of $63. Heavy congestion at the I-80/Highway 65 interchange can raise car insurance costs in the city.
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Cheapest Car Insurance Quotes in Palm Coast, Florida (November 2026)
State Farm is the cheapest insurer in Palm Coast, with an average monthly rate of $70 for liability-only coverage. Car insurance tends to be more affordable in Palm Coast thanks to its smaller size and lower crime and theft rates.
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Rideshare Insurance in Texas: Costs, Requirements, and Best Companies
You don’t legally have to buy rideshare insurance in Texas, but it’ll protect you from coverage gaps while driving for Uber or Lyft.
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Cheap Car Insurance Quotes in Visalia, California (November 2026)
USAA is the cheapest car insurance company in Visalia, with an average liability rate of $52 per month. Car insurance in Visalia tends to be affordable thanks to the city’s smaller population.
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Cheapest Car Insurance Quotes in Fremont, California (November 2026)
USAA offers the cheapest insurance coverage in Fremont, with an average monthly liability rate of $61. The city’s risk of flooding could affect its average car insurance rates.
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Cheapest Car Insurance Quotes in Bloomfield, New Jersey (November 2026)
NJM is the cheapest insurer in Bloomfield, with an average monthly liability rate of $115. Bloomfield’s average crime rate declined in 2026, which could help explain why its car insurance premiums are lower than those in other New Jersey cities.
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Cheapest Car Insurance Quotes in Fontana, California (November 2026)
USAA is the cheapest car insurance company in Fontana, with liability policies averaging $71 per month. Fontana’s average rates are above the state average, partly due to the city’s high vehicle theft rate.
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Cheap Car Insurance Quotes in Santa Rosa, California (November 2026)
USAA is the cheapest insurer for liability-only coverage in Santa Rosa, with an average monthly rate of $57. Santa Rosa’s short average commute times may help keep its car insurance premiums low.
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SR-22 Insurance in Ohio: Cost, Requirements, and Cheapest Companies
Ohio drivers pay an average monthly rate of $120 for SR-22 insurance.
Cheapest Car Insurance Quotes in St. Cloud, Florida (November 2026)
State Farm is the cheapest insurer in St. Cloud, with an average monthly liability rate of $77. St. Cloud’s risk of severe weather, including flooding, hurricanes, and tropical storms, can affect its rates.
Cheap Car Insurance Quotes in Elgin, Illinois (November 2026)
Auto-Owners offers the cheapest car insurance in Elgin, with an average monthly rate of $42 for liability-only coverage. Elgin’s population density and heavy traffic along U.S. 20 and Randall Road could factor into the city’s insurance costs.
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Cheapest Car Insurance Quotes in Youngstown, Ohio (November 2026)
State Farm is the cheapest insurer in Youngstown, with an average monthly liability rate of $38. Youngstown’s low traffic congestion and population density may help keep its premiums low.
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Cheapest Car Insurance Quotes in Delray Beach, Florida (November 2026)
The cheapest car insurer in Delray Beach is State Farm, with an average liability-only rate of $104 per month. Delray Beach insurance rates tend to be higher than those of other Florida cities due to its coastal location and high population density.
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Cheapest Car Insurance Quotes in Whittier, California (November 2026)
USAA is the cheapest insurer in Whittier, with an average monthly liability rate of $75. Whittier’s proximity to Los Angeles, plus heavy traffic congestion, contributes to the city’s higher car insurance rates.
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How Much Is Car Insurance in Massachusetts?
Drivers in Massachusetts pay an average of $1,441 per year for car insurance.
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Cheap Car Insurance Quotes in Columbus, Mississippi (November 2026)
State Farm is the cheapest insurer in Columbus, with an average monthly rate of $33. Columbus’ average car insurance rates are lower than those in most Mississippi cities, which could be due to its small population.
Cheap Car Insurance Quotes in Boston (November 2026)
State Farm is the cheapest insurer in Boston, with an average monthly rate of $45. Heavy congestion and traffic influence Boston’s average rates.
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Cheapest Car Insurance Quotes in Washington
State Farm is the cheapest insurer in Washington, averaging $58 per month for liability coverage. Wildfires across the state and heavy traffic on highways can affect your rates.
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Cheapest Car Insurance Quotes in Edison, New Jersey (November 2026)
NJM is the cheapest insurer in Edison, with an average rate of $110 per month for liability coverage. Congestion along Route 1, Route 27, and the New Jersey Turnpike could affect its average rates.
SR-22 Insurance in Washington: Cost, Requirements, and Cheapest Companies
The average cost of SR-22 insurance in Washington is $117 per month for liability coverage and $226 for full coverage.
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Cheapest Car Insurance Quotes in West Virginia
State Farm, USAA, and Erie offer some of West Virginia’s cheapest car insurance quotes.
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Cheap Car Insurance Quotes in Kennewick, Washington (November 2026)
State Farm offers the cheapest car insurance in Kennewick, with an average monthly rate of $51. Kennewick’s risk of flooding and dust storms could affect its average insurance costs.
How to Buy Car Insurance Online With a Checking Account
Using checks, mobile payment apps, cash, or EFTs is an easy way to buy insurance if you don’t have a credit card.
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Chubb Auto Insurance: User Reviews and Quotes
Chubb offers regular and classic car insurance for people with a high net worth, so it has more expensive average rates than many other insurers.
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Liberty Mutual Car Insurance Review: 4,495+ User Ratings and Expert Insights
Drivers appreciate Liberty Mutual’s ease of making payments and its helpful customer service. But they dislike the frequent rate increases, and some report difficulties in claims handling.
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Car Insurance Discounts in Florida
Florida drivers can save by taking advantage of usage-based insurance and safe driving discounts.
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State Farm vs. The Hartford: Which Is the Best?
State Farm offers the cheapest rates overall, but The Hartford has slightly more coverage options and discounts.
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Grange Auto Insurance: User Reviews and Quotes
Grange Insurance offers excellent coverage options and discounts on auto insurance. Here’s what you need to know about this insurer.
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Best Car Insurance for Antique and Classic Cars in Florida
American Collectors, Hagerty, and Safeco offer Florida drivers the best classic car insurance.
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Farmers vs. GEICO: Which Is the Best?
GEICO stands out for its low monthly rates and high customer satisfaction score, but Farmers offers slightly more discounts.
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Foremost vs. The Hartford: Which Is the Best?
The Hartford offers drivers more coverage options and discounts and cheaper average rates than Foremost.
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AAA vs. Liberty Mutual: Which Insurance Company Is Better in 2026?
Liberty Mutual is the better insurer for customizable car insurance coverage, while AAA stands out thanks to its membership perks and roadside assistance.
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Amica vs. Progressive: Which Insurance Company Is Better in 2026?
Amica earns high marks, but Progressive’s low rates, personalized coverage, and highly rated mobile app make it a better choice for many drivers.
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Cheapest Car Insurance Quotes in Alaska
State Farm offers the cheapest car insurance in Alaska, with an average rate of $69 per month for minimum coverage. Compare real car insurance quotes from top companies in Alaska and buy your auto insurance policy online at Insurify.
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Car Insurance Discounts in Indiana
Indiana drivers can save money by bundling their auto and home insurance, maintaining a good driving record, and signing up for a telematics program.
Cheap Car Insurance in California With Bad Credit
California law bans insurers from using your credit history to determine rates. But other factors can still raise your rates if you have bad credit.
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Best Car Insurance in Virginia
Erie, Auto-Owners, and State Farm are some of the best car insurance companies in Virginia.
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Best Car Insurance in Missouri
Progressive, State Farm, and Missouri Farm Bureau are three of the best insurers for Missouri drivers.
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Best Car Insurance in Louisiana
State Farm, GEICO, and USAA are three of the best insurers for Louisiana drivers.
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Why Is Car Insurance So Expensive in Arizona?
Arizona car insurance averages $1,523 annually — 11% cheaper than the national average.
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Best Nevada Homeowners Insurance Quotes
Travelers has some of the cheapest homeowners insurance in Nevada, with average monthly premiums of $69.
Best Homeowners Insurance Companies in Missouri
USAA and State Farm are two of the top insurers for Missouri homeowners.
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Very Cheap Car Insurance With No Deposit in Florida
Find affordable Florida car insurance with low deposit options. Compare top insurers with minimum-coverage rates starting at $81 per month.
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Cheap Full-Coverage Car Insurance in Arizona
Arizona drivers can find the cheapest full-coverage car insurance from Auto-Owners, with rates of $83 per month.
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Cheapest Car Insurance in California After an Accident
USAA is the cheapest insurer for California drivers after an accident, with an average monthly rate of $89 for liability car insurance.
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Cheapest Liability Car Insurance in California
California drivers can find the cheapest liability-only car insurance from USAA, with an average rate of $67 per month.
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Cheapest Liability Car Insurance in North Carolina
North Carolina drivers can find the cheapest liability-only car insurance from Erie, with rates of $54 per month.
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How to Cancel Your Infinity Auto Insurance Policy
You can cancel your Infinity auto insurance by contacting customer service or logging into your online portal. But check your renewal date first.
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Here’s How Long a Speeding Ticket Stays on Your Record
Depending on where you live, a speeding ticket can remain on your record anywhere from one to 10 years.
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Cheap SR-22 Insurance in Alaska From $113
Alaska residents with an SR-22 pay an average of $225 per month for full coverage and $113 per month for liability coverage.
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How to Get Anonymous Home Insurance Quotes Online
It’s difficult to get accurate insurance quotes without giving some personal information, but you have ways to minimize your risk of spam.
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Non-Owner Car Insurance in Oklahoma
Non-owner car insurance helps Oklahoma drivers without a vehicle meet the state’s minimum liability requirements.
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Virginia Car Insurance Laws
All Virginia drivers must carry at least 50/100/25 in car insurance, but you may need more coverage.
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Why Is Car Insurance So Expensive in Illinois?
The average annual cost of car insurance in Illinois is $1,440. That may seem expensive, but it’s actually 16% lower than the national average of $1,704 per year.
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Is Ohio a No-Fault State for Auto Insurance?
Ohio is an at-fault state, meaning the driver who causes the accident is responsible for covering the costs of the other party’s injuries and damages.
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What Is a Car Insurance Deductible?
A deductible is your share of covered costs when you file a car insurance claim.
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Accident With an Uninsured Driver? Here’s What to Do in Texas
If an uninsured driver in Texas hits you, uninsured motorist coverage can help pay for your damages and injuries.
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Cost of Owning a Rottweiler : Purchase, Vet Bills, and More
You’ll generally pay up to $2,500 to purchase a Rottweiler from a reputable breeder.
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Best Pet Insurance in Alabama
Spot, Lemonade, and Embrace are three of the best pet insurance companies for Alabama residents.
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Best Pet Insurance in Delaware
Spot, Healthy Paws, and Paw Protect are some of the best options for Delaware pet owners.
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Top 15 Smartest Dog Breeds
Border collies, poodles, and German shepherds are a few of the smartest dog breeds.
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Best Pet Insurance in Idaho
Figo, Pumpkin, and Trupanion are the best pet insurance companies for Idaho pet owners.
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Best Pet Insurance in Colorado
Spot, Healthy Paws, and ASPCA are some of the best pet insurers for Colorado pet owners.
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Cost of Owning a Border Collie : Purchase, Vet Bills, and More
The average cost of a border collie ranges from $800 to $3,500.
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What Is Renters Liability Insurance?
Renters insurance liability coverage protects you from accidental injuries or damages to another person’s property.
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What Is a Renters Insurance Deductible?
A renters insurance deductible is an amount your insurer deducts from your payout for a claim.
How Long Are Car Insurance Quotes Good for?
Most car insurance quotes are valid for seven to 30 days, but quotes and rates can change based on timing, underwriting, and your personal information.
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Best Pet Insurance in Arizona
Figo, Healthy Paws, and Spot are the best insurers for Arizona pet owners.
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Zurich Auto Warranty Review: Prices and Ratings
Zurich’s auto warranties have strong financial backing and nationwide repair options, making them a good option for drivers looking for reliable coverage.
Pawp Pet Insurance Review: How It Stacks Up
A base plan from Pawp costs less than traditional pet insurance because it provides less coverage.
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Best Multi-Pet Insurance
Spot and Pets Best are two of the best pet insurers, and both offer a multi-pet discount between 5% and 10%.
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uBreakiFix Device Insurance Review: Is It Worth the Cost?
uBreakiFix offers fast in-store repairs for smartphones and other electronic devices, but service quality and pricing can vary.
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Homebody Renters Insurance Review: Cost, Coverage, and More
Homebody renters insurance may be a good option if you’re looking for multiple coverage amounts, billing options, and add-on coverages to choose from.
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Asurion Device Insurance Review: Is It Worth the Cost?
Asurion offers device protection for phones, electronics, and appliances. You’ll also receive unlimited tech support and repair services at uBreakiFix stores.
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Verizon Mobile Protect vs. AppleCare: Which Device Protection Plan Is Better?
Verizon Mobile Protect and AppleCare are two popular device protection options, but they differ in price, service, and coverages. Here’s how the plans compare.
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USAA SafePilot Review: How It Works, Savings, and Whether It’s Worth It
The SafePilot program may be a good option for safe, low-mileage drivers who don’t mind having their driving habits tracked. But it won’t be right for everyone.
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How Long Can a Mortgage Company Hold an Insurance Check?
Your mortgage company can hold your insurance check until the repairs are complete, but they have to release funds within a certain time.
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How Much Is Commercial Auto Insurance?
Commercial auto insurance costs vary depending on factors like fleet size, vehicle type, and driving history.
Guide to Commercial Car Insurance in Arizona
Commercial auto insurance protects anyone using their personal vehicle or company car for business activities.
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Is It Safe for Dogs to Eat Dates?
Dates are safe for dogs to eat in small amounts. While they’re high in fiber, vitamins, and minerals, they’re also high in sugar, so it’s important to feed them to your dog in moderation.
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BMW X3 Car Insurance Quotes
The average full-coverage insurance rate for a BMW X3 is $212 per month, while minimum coverage averages $113.
Lexus ES 350 Car Insurance Quotes
The overall average cost of car insurance for a Lexus ES 350 is $155 per month, but premiums vary by state, coverage level, model year, and more.
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Best Lexington Homeowners Insurance Quotes
Allstate, Kentucky Farm Bureau, and Travelers offer some of Lexington’s best homeowners insurance policies.
Best Kansas City Homeowners Insurance Quotes
State Farm, American Family, and Allstate offer the best homeowners insurance policies in Kansas City, Missouri.
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Best Atlanta Homeowners Insurance Quotes
Allstate, Auto-Owners, and Chubb offer the best homeowners insurance policies in Atlanta.
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Best Myrtle Beach Homeowners Insurance Quotes
Heritage Insurance Holdings, Cincinnati Insurance, and ASI offer some of the cheapest homeowners insurance policies in Myrtle Beach.
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Swyfft Home Insurance Review: Ratings and Quotes
Swyfft offers technology-focused home insurance with a fast claims process. Learn how the company works and the pros and cons of buying a policy.
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When Should You Replace Your Roof?
If your roof is more than 20 years old and starting to noticeably sag or leak, it may be time to replace it.
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What Does a Sump Pump Do?
A sump pump protects your home from heavy rainfall and flooding.
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Cost of Earthquake Insurance in 2026
The cost of earthquake insurance varies depending on your location, coverage, and home construction.
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Off-Grid Home Insurance: What You Need to Know
You still need to protect your home even if you’re living off-grid. Here’s how to find off-grid home insurance.
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What Is Force-Placed Insurance on a Home?
If your home insurance lapses and you don’t find a replacement policy, your lender will take out force-placed insurance.
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Best Washington, D.C., Homeowners Insurance Quotes
USAA offers the cheapest home insurance in Washington, D.C., with average premiums of $994 per year.
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Best Charlotte Homeowners Insurance Quotes
State Farm offers some of the cheapest homeowners insurance policies in Charlotte, with annual premiums of $604.
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Allstate Milewise Auto Insurance Review: Ratings and Quotes
Low-mileage drivers can save money by taking advantage of Allstate’s pay-per-mile auto insurance program — without sacrificing coverage or customer service.
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