)
About Julia's expertise
Julia is an economic analyst and a licensed insurance agent at Insurify. Since joining Insurify in 2024, she’s researched and written 100+ articles on various insurance topics, including auto, home, renters, pet, and life insurance. She’s been quoted by publishers like Newsweek and the LA Times on topics ranging from the effects of climate change on home insurance rates to the costs of EV ownership.
She began her career as a local journalist, covering local government, business, and public health in the Boston area. She published multiple investigative stories, researching and analyzing public records to report on municipal finances and budget allocation, zoning and building development, and personnel.
Julia holds a Bachelor’s degree in communications from Simmons University, with a focus in journalism. Outside of work, Julia enjoys salsa dancing, singing in cover bands, and baking delicious treats.
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
Julia's latest posts
)
Best Non-Owner Car Insurance
Non-owner car insurance provides liability coverage for drivers who don’t own a vehicle but still need to drive. Compare rates from top companies and learn when such a policy could make sense for you.
)
8 of the Best Car Insurance Companies (May 2026)
We analyzed 85,000-plus reviews of more than 200 insurers and determined that State Farm and American Family are two of the best car insurance companies.
)
Best Car Insurance in Maryland
State Farm, Erie, and GEICO are among the best car insurance companies in Maryland. Learn how to find the best company for you.
)
Best and Cheapest Car Insurance for Seniors
Drivers in their 60s typically pay the lowest car insurance rates of any age group, but quotes tend to increase after age 70. Compare companies and find discounts tailored to senior drivers.
)
Best Car Insurance Apps
State Farm and GEICO offer policyholders the highest-rated mobile apps.
)
Cheapest Car Insurance for Drivers Under 21
Country Financial, Auto-Owners, and USAA have the cheapest rates for teen drivers nationwide, but comparing quotes will help you find the most affordable option for you.
)
Hugo Auto Insurance: User Reviews and Quotes
With Hugo, you can get coverage for as few as three days at a time and pay in flexible “micropayments.” But full coverage isn’t available, and the company operates in only 16 states.
)
Why Is Car Insurance So Expensive?
Car insurance is expensive due primarily to inflation, rising repair costs, and an increase in severe auto accidents.
)
Best Car Insurance Companies in Texas (May 2026)
GEICO, Allstate, and USAA are the top insurers in Texas, offering competitive rates and coverage options.
)
Nationwide Auto Insurance: User Reviews and Quotes
Nationwide offers auto coverage and other insurance in 47 states. It has below-average rates and popular usage-based insurance options.
)
GEICO Auto Insurance: User Reviews and Quotes
GEICO offers auto insurance in all 50 states and Washington, D.C. Its competitive rates and numerous discounts make it a popular choice.
)
USAA Auto Insurance: User Reviews and Quotes
USAA offers auto and other insurance coverage exclusively to veterans, military personnel, and their families. Its competitive rates and high customer satisfaction scores make it a popular choice.
)
Cheap Full-Coverage Car Insurance (May 2026)
Auto-Owners offers the cheapest full-coverage car insurance, at $88 per month. Full coverage costs more because it also pays for your damages, but you can take steps to find a cheap full-coverage policy.
)
How Insurify Collects and Uses Reviews
We gather insurance company user reviews to give shoppers an inside look into policyholders’ experiences with different insurers.
)
Best Car Insurance for College Students
Compare rates, student discounts, and coverage options to find affordable car insurance, whether you stay on your parents’ policy or get your own.
)
Can You Get One-Day Car Insurance?
One-day car insurance doesn’t exist, but you can find insurers that allow you to pay your premiums in small increments of days, rather than monthly installments.
)
Car Insurance Rates by State (May 2026)
The cheapest state for car insurance is Wyoming, with an average liability rate of $50. Maryland has the most expensive average car insurance rate, at $193 for liability only.
)
Why Did Your Car Insurance Rates Go Up?
Individual and regional factors contribute to higher insurance rates. Nationally, Insurify projects a 22% increase in car insurance costs in 2024.
)
Car Insurance Rates by ZIP Code
Your ZIP code plays a big role in your car insurance premiums because of varying rates in population, accidents, theft, and more.
)
Compare Cheap Liability Car Insurance Rates
The cheapest liability-only car insurance nationwide is $42, from Country Financial, but the best insurer for you will depend on where you live and other factors.
)
Top 10 Cheap Car Insurance Companies in May 2026
Country Financial and Auto-Owners have the cheapest rates, based on analysis of 190 million-plus Insurify quotes. Save time and money by comparing cheap car insurance quotes all in one place.
)
The New Tornado Alley: How Expanding Severe Storm Risk Is Disrupting Home Insurance
In storm-prone areas, 20% of surveyed homeowners chose not to file a claim for weather damage because their deductibles were too high.
)
Why Did My Car Insurance Go Up?
Seeing your car insurance rate increase can be frustrating! Join Sara and Julia to learn what rating factors are in your control.
Auto Insurance Rates Are Going Down! Insurify Auto Report Trends with Matt Brannon
Wondering what average car insurance rates will look like in 2026? Join Sara and Julia as they interview Matt Brannon and discuss Insurify's auto report.
Can I Get No-Deposit Car Insurance?
No-deposit car insurance is too good to be true. Join Sara and Julia as they discuss how to actually get an affordable deposit on your car insurance!
What Discounts Can I Get On My Car Insurance?
Car insurance discounts are one of the easiest ways to save! Join Sara and Julia to learn which hidden discounts you can take advantage of.
How Does Car Insurance Work?
Car insurance is confusing, but knowing how it works is the key to saving! Join Sara and Julia as they go over the basics of car insurance.
)
Condo Insurance Guide: Coverage, Cost, and How It Works
Condo insurance (HO-6) protects your unit, belongings, and liability where your condo association’s master policy leaves off.
)
Best Pet Insurance in California
ASPCA, AKC, and Figo offer numerous coverage options and are a few of the best pet insurance companies in California.
Florida Flood Insurance: Complete Guide for Homeowners in 2026
Florida homeowners in high-risk flood areas need flood insurance. You can buy coverage from private insurers or through the National Flood Insurance Program (NFIP).
)
Car Insurance for Undocumented Immigrants: What to Know
Even experienced undocumented drivers will likely pay high car insurance premiums. Insurers often consider them new drivers due to a lack of U.S. driving and auto insurance history.
)
Homeowners Insurance Guide for First-Time Homebuyers
A home is a big investment for you and your mortgage lender, so you’ll need to have homeowners insurance before you can close on a house.
)
Average Cost of Car Insurance (May 2026)
The overall national average cost of car insurance is $142 per month, according to Insurify data. Washington, D.C., has the highest car insurance costs in the U.S., and New Hampshire has the cheapest.
)
How Much Is Homeowners Insurance on a $300,000 House?
The average annual home insurance premium for a $300,000 home is $2,592, but costs can vary based on location, credit history, coverage limits, and more.
)
2026 Drunk Driving Statistics
In 2022, 32% of crashes in the U.S. involved alcohol-impaired driving. Find statistics and more in this comprehensive guide to drunk driving data.
)
Flood Insurance in Florida: What to Know
Flood insurance costs are rising. Florida homeowners in high-risk flood areas will see the biggest impact.
)
Landlord Insurance for Condos: What to Know
Landlord insurance covers damages and liability when you’re renting your property. Insuring your condo as a landlord is a little different since the entire structure isn’t yours to insure.
)
Compare Renters Insurance Quotes
The national average cost of renters insurance is $22 per month. It provides coverage for your personal belongings, loss of use, and more.
)
How to Buy Flood Insurance in 2026: A Step-by-Step Guide
To buy flood insurance, check your flood risk, estimate how much dwelling and contents coverage you need, and compare NFIP and private policy options before flood season.
)
The Most ‘Affordable’ Cities for First-Time Homebuyers Redefine Affordability
The age-old 30% rule is unrealistic. New homeowners often spend closer to 50% of their median household income on homeownership costs.
)
Average Miles Driven Per Year in the U.S.
Americans drove an average of 13,930 miles per year over the last decade. But a driver’s annual mileage varies widely based on location, age, gender, and other factors.
)
Financial Well-Being Largely Guides How Americans Plan to Spend Their Tax Refund
The average tax refund can cover the annual cost of full-coverage car insurance in 34 states.
How Do I Get Cheap Full-Coverage Insurance?
Full coverage doesn't have to expensive! Join Sara and Julia to learn how to get the cheapest full-coverage insurance without sacrificing coverage.
)
Recalls, Safety Concerns, and Skyrocketing Insurance — Is the Cybertruck Worth It?
Cybertruck owners pay an average of $4,649 per year for car insurance — more than double the national average.
)
Risking It All: 1 in 6 Homeowners in the Most Climate-Vulnerable States Skip Home Insurance
In the 10 states where average incomes are lowest, the rate rises to nearly 1 in 5 uninsured homes, indicating that affordability is also a factor.
)
Southern Inhospitality: 9 of the 10 Most Expensive Cities for Renters Insurance are in the South
Mississippi, Michigan, and Louisiana are the most expensive states for renters insurance.
)
Amid Economic Headwinds, Most Americans Fell Short of 2025 Financial Goals — and 2026 May Not Be Better
Only 11% hit their 2025 goals, with many considering the cost of car and home insurance a major obstacle.
How Do I Get Cheap Car Insurance?
Cheap car insurance is fairly easy to secure as long as you know how. Join Sara and Julia as they discuss the best way to get cheap coverage!
)
Subaru and Hyundai Models Are the Cheapest 2024/2025 Vehicles to Insure
Drivers with a 2024/2025 Subaru Outback pay almost $1,000 less per year than the national average.
The Teen Tax: Young Drivers Add 90% More to Parents’ Car Insurance Costs
But parents can save an average of $1,079 by adding their teen driver to their own policy rather than buying a separate one.
)
5 Best Home Insurance Companies
State Farm and American Family are two of the best home insurance companies.
)
Not So Merry: Dangerous Driving Spikes on Holiday Highways
Speeding increases by 68% on Thanksgiving compared to typical Thursdays, an analysis found.
)
For 61% of Gen Z Renters, Emotion — More Than Financial Security — Drives Homeownership Desires
Nearly all Gen Z renters want to be homeowners, but over a third can’t afford a down payment.
High-Risk Homeowners: 67% Would Weather Climate Risk for a Good Deal on a House
Nearly half of surveyed homeowners knew they were buying a disaster-prone home.
)
EVs Cost 49% More to Insure Than Gas-Powered Cars, Data Reveals
Florida and Nevada drivers pay the most for EV coverage, at $5K per year, on average.
Survey: Driving Stresses 93% of Gen Zers, but Most Still Aren’t Ready to Rely on Self-Driving Cars
Nearly two-thirds of Gen Z said they don’t want or trust self-driving cars, but one-third could become believers.
)
In Vulnerable Areas, Climate Risk Drives Home Insurance Non-Renewals, Not Just Rate Hikes
Forget unaffordable, home insurance is becoming unavailable as insurers withdraw from high-risk areas.
)
Pet Insurance Regulations by State: Only 14 States Offer Additional Protection for Pet Parents
States treat pet insurance like home and auto insurance, not health insurance.
‘Above-Normal’ Atlantic Hurricane Season Could Cause Surge in Home Insurance Rates
Last year, just two storms caused $16 billion in insured losses and more than $113 billion in total damages. Favorable hurricane conditions could again spell disaster in 2025.
)
15% Spike in Home Insurance Rates on the Way for Minnesotans, Report Predicts
Homeowners insurance costs rose 20% in 2024, climbing on a sharp increase in expensive disasters and rising repair costs, Insurify’s report notes.
)
Are ‘Frivolous’ Lawsuits Contributing to Record-High Insurance Rates in Louisiana?
Legal system abuse costs Louisiana consumers an extra $1,011 per year, according to a new report.
)
Minnesota Considers ‘Lifeline’ Car Insurance Program for Low-Income Drivers
The program would provide bare-bones coverage for eligible Minnesotans.
)
Will Florida Roll Back Insurer-Friendly Litigation Rules?
Will limiting insurance lawsuits help or hurt policyholders? Experts offer mixed outlooks.
)
Does Personal Car Insurance Cover a Rental Car?
Your personal car insurance will most likely cover a rental car, but be sure to confirm with your insurer in case you need additional coverage.
)
Severe Weather Spurs Rising Auto Insurance Costs
As hurricanes, severe thunderstorms, and hail increase insurer losses, drivers could start to see the fallout in their premiums.
)
Maryland May Put the Brakes on How Auto Insurers Can Collect and Use Telematics Data
State regulators are weighing a bill that would ban insurance companies from using telematics data in cancellation and non-renewal decisions.
Smaller, More Frequent, and Severe Storms Are Growing Threats to Homeowners, Report Finds
Texas has the most homes with a moderate or greater risk of 1-inch hail, strong tornadoes, and 65 mph-plus winds.
‘More Stuff’ Is Leading to More Insurance Problems
Increasing development in high-risk areas means more Americans — and their homes — are in harm’s way.
)
Nevada, Washington, and New York OK’d the Most Auto Insurance Rate Hikes Since 2023
Rising claims costs are mostly to blame.
)
Does Car Insurance in No-Fault States Cost More?
No-fault laws alone don’t raise car insurance rates, but they can leave states vulnerable to factors that do.
)
Everyone — And Their Grandmother — Is Shopping for Car Insurance
Even long-term auto insurance policyholders are shopping for cheaper coverage at record rates.
)
Top 10 Life Insurance Companies in May 2026
State Farm’s customer satisfaction rates, diverse products, and easy online quote process make it a top choice for life insurance.
)
Car Insurance Rate Increases Will Slow to 5% in 2025, Report Predicts
After facing significant rate hikes in 2024, most drivers will see much smaller increases going forward.
)
North Carolina’s Car Insurance Minimums Set to Jump in July
North Carolina will soon have some of the highest liability car insurance requirements nationwide, and it’s likely to affect premiums.
)
Oklahoma Reminds Insurers to Play Fair If They Want to Use AI
Established laws apply to new technology, the state’s insurance commissioner says.
)
What California’s New, Higher Liability Limits Mean for Auto Premiums
Higher required insurance minimums could route more drivers to the state’s low-cost insurance program.
)
What Utah’s Increased Auto Liability Limits Mean for Your Premiums
Rates could increase to reflect the higher limits, but most likely won’t significantly affect costs.
)
What Virginia’s New, Higher Car Insurance Requirements Mean for Drivers
Rates could increase to reflect the higher limits, but most likely won’t significantly affect costs.
)
Louisiana Insurance Commissioner Pushes to Expand ‘Fortify Homes Program’ After Recent Successes
Thousands of residents applied for a lottery to receive a $10,000 grant for FORTIFIED roof repairs.
)
Nearly 200 Michigan Communities Can’t Get Flood Insurance — By Choice
Though most Michigan communities have low flood risk and high resilience, climate change is shifting weather patterns — threatening previously low-risk areas.
)
New Car Shoppers Face Harsh Price Reality, Report Finds
New inventory and increased incentives have slightly reduced new and used vehicle prices, but shoppers still see prices far higher than they want to pay.
)
Got Flood Insurance? You’ll Be Able to Make Monthly Payments Come January
Policyholders previously had to pay their national flood insurance premiums on an annual basis.
)
Milton Lands Among Top 10 Costliest Hurricanes for Insured Losses
Helene was deadlier, and fewer victims had insurance to cover storm damage.
)
Colorado Pushes Insurers to Incentivize Wildfire Mitigation Efforts
The growing wildfire risk to property is leading insurance companies to cut coverage in several Colorado counties.
)
Severe Flood Risk Threatens Over One-Third of Global Population, Report Finds
Moody’s reports more than 2.5 billion people are at risk of 10 centimeters of flooding in a 100-year period.
)
Allstate Sues 19 NYC Pharmacies, Alleging $2.7M+ in Billing Fraud
Suit: Pharmacies overbilled for basic medications and medical equipment following car crashes.
)
Suing Over an Insurance Claim Often Leads to Smaller Payout, Experts Say
Deceptive attorney practices and third-party funding unnecessarily drive up claims costs, industry pros report.
)
Rising Home Insurance Rates Hamper Customer Satisfaction and Drive Policy Shopping, Study Finds
A record number of consumers are shopping for new policies, but few are actually making the switch.
)
California Finalizes New Wildfire-Modeling Regulation to Mandate Coverage in High-Risk Areas
Insurance companies will have to write policies in areas with high wildfire risk to continue using catastrophe modeling when setting rates.
)
Rising Reconstruction Costs May Keep Property Insurance Rates Climbing
Some states saw costs increase by 9.6%, report says.
)
New Disaster-Mapping Shows Where Communities Should Invest to Prevent Severe Weather Damage
The report recommends mandating that insurance companies incentivize weather risk mitigation.
)
2.6 Million U.S. Homes Face Wildfire Risk, Report Finds
California, Colorado, and Texas have the most at-risk homes — but the report finds mitigation can greatly reduce losses.
)
Mobile Home Insurer Cancels Policies in Florida
Mobile homeowners may end up paying twice as much for a policy through the state’s insurer of last resort.
)
Can You Get Homeowners Insurance Without an Inspection?
Though insurers don’t always require an inspection to buy home insurance, most companies will want to assess your home for potential risks.
)
Hurricane Beryl Already Increasing Insurance Costs for Texans
The storm could wipe out catastrophic reserves of state’s windstorm insurer.
)
Lightning Sparked $1.2 Billion in U.S. Home Insurance Claim Payouts in 2023
Florida had the most claims, but Texas payouts were most expensive.
)
The Hidden Cost of Insurance: Reinsurance Is Elevating Coverage Rates for Americans Everywhere
‘Insurance for insurer’ rates are rising and those costs are being passed on to policyholders.
)
Preparation Pays Off: Investing in Climate Resilience Helps the Economy, Report Shows
Every $1 investment in climate resilience saves $13 in economic costs, U.S. Chamber of Commerce says.
)
Could New York Ban Insurers from Covering Fossil Fuel Projects?
New legislation would also require insurers to stop covering existing fossil fuel projects.
)
Senate Lawmakers Butt Heads Over Cause of Home Insurance Crises
Budget committee splits along party lines whether climate change or inflation is cause of skyrocketing rates.
)
Drone Footage of Roofs Not Enough to Justify Dropping Home Policies, PA Regulators Say
Insurers should verify roof damage with physical inspections, insurance department says.
)
Maryland Increases Fines for Uninsured Drivers
Fines will support driver’s education, field trips, safe schools, and vehicle-theft prevention.
)
General Motors Faces Lawsuits for Allegedly Sharing Driver Data With Insurers
Cases claim the automaker shared consumer data with insurers without drivers’ permission.
)
Florida Insurer Fined for Treatment of Policyholders After Hurricane Ian
Insurance regulators fined Heritage Property & Casualty Insurance $1 million for how it processed claims after Hurricane Ian.
)
Oklahoma Approves Grant Program for Homeowners to Build Climate-Resilient Homes
New legislation provides financial support for homeowners to build or retrofit homes to be more resilient to tornadoes, windstorms, and hail.
)
Can’t Cover Your Home Insurance Deductible? New Disaster Insurance Could Help
Insurance offering could help homeowners and renters cover financial gaps between high deductibles and limited savings.
)
8 Insurers Get Greenlight to Enter Florida Home Insurance Market
Insurer approval shows the state’s market is strengthening, Florida insurance office says.
)
Different States, Same Problem: A Home Insurance Crisis
California and Florida take different approaches to escalating costs, climate change, severe weather events, and shrinking markets, but neither has found a perfect solution.
Florida Snagged Two-Thirds of National Flood Insurance Payouts in 2023
FEMA paid more than $629 million to Florida homeowners last year.
…