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About Lindsay's expertise
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
Since becoming an Insurify contributor in October 2022, Lindsay has written hundreds of articles to help Insurify readers better understand the complex world of insurance.
Featured Work
Legal Zoom: How to File Chapter 13 Bankruptcy
American Express: Virtual Cards 101: What Is A Virtual Credit Card and Why Might You Need It?
Investopedia: Does Paying Rent Affect Your Credit Score?
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.
Lindsay's latest posts
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Rideshare Insurance in Nevada
Rideshare companies offer state-compliant coverage for all drivers, but it may not be enough. Learn how to protect yourself with the right coverage options.
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Best Car Insurance in Vermont
State Farm, GEICO, and USAA offer the best car insurance policies in Vermont.
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Sun Coast Auto Insurance Review: Ratings and Quotes
Sun Coast is an insurance broker that sells policies from other car insurance companies, based primarily in the western U.S.
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Cost of Mercedes-Benz Car Insurance
Mercedes-Benz insurance costs an average of $180 per month across all models.
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Cheapest Auto Insurance in Flagstaff, Arizona
Auto-Owners offers the cheapest car insurance in Flagstaff, with minimum-coverage policies as low as $39 per month.
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Mile Auto Insurance: User Reviews and Quotes
Mile Auto may offer big savings for low-mileage drivers, but the company operates in only seven states and has below-average customer reviews.
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Cost of Dodge Car Insurance
Dodge car owners pay an average of $158 per month for insurance, which is similar to competitors Ford and Nissan.
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Cheapest Auto Insurance in Sioux Falls, South Dakota
State Auto offers the cheapest insurance for drivers in Sioux Falls, with an average liability-only premium of $49 per month.
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Best Car Insurance in Nebraska
Auto-Owners, American Family, and State Farm offer the best car insurance in Nebraska.
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SafeAuto Car Insurance Review
Direct Auto, an insurance company specializing in high-risk drivers, absorbed SafeAuto in August 2023.
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Cheapest Auto Insurance in Alexandria, Virginia
Auto-Owners offers the cheapest car insurance in Alexandria, with minimum-coverage policies as low as $63 per month.
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Car Insurance for High-Risk Drivers in Washington, D.C.
High-risk drivers in Washington, D.C., pay an average of $233 per month for insurance.
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Best Car Insurance for College Students in Georgia
COUNTRY Financial, State Farm, and USAA offer the best car insurance for Georgia college students and their parents.
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Best Car Insurance in Idaho
Progressive, State Farm, and USAA offer the best car insurance policies in Idaho.
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Best Cheap Auto Insurance in Providence, Rhode Island
USAA, Safeco, and State Farm are the best car insurance companies in Providence.
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21st Century Auto Insurance Review: Ratings and Quotes
Now operating as Toggle in California, 21st Century offers higher rates than many other area insurers.
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Cheapest Car Insurance Quotes in Arkansas
State Farm offers the cheapest rates in Arkansas, averaging $34 per month for minimum coverage. Get auto insurance quotes from the top insurers in the state, and buy a policy online in minutes.
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Cheapest Car Insurance Quotes in Washington
State Farm offers the cheapest car insurance rates in Washington, at $58 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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Cheapest Car Insurance Quotes in West Virginia
State Farm has the cheapest car insurance rates in West Virginia, averaging $39 per month for liability coverage. Get an instant car insurance quote now and buy a policy online in minutes with our team of agents.
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Car Insurance for High-Risk Drivers in North Carolina
Erie offers the lowest rate for high-risk auto insurance in North Carolina, at an average of $73 per month for minimum coverage.
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DWI Car Insurance in New Jersey: Costs, Laws, and Cheapest Companies
NJM offers the cheapest insurance for Garden State drivers convicted of driving while intoxicated. Learn which insurers are best and how you can keep rates down after a DWI in New Jersey.
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Gap Insurance in Virginia
More than one-third of Virginia drivers finance or lease their vehicles and may be at risk of paying for an undrivable car if they total their vehicle. Gap insurance can bridge the difference, and coverage starts from as little as $2 per month in Virginia with Auto-Owners.
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Can You Go Back to Original Medicare From an Advantage Plan?
You have nearly six months to switch back to Original Medicare from a Medicare Advantage plan, but you need to consider a few things first.
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Does Medicare Pay for Assisted Living?
Medicare doesn’t generally pay for assisted living, but it can pay for some similar services.
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What Is Medicare Plan F?
Known as the “Cadillac plan,” Medicare Plan F is expensive but offers the highest-quality Medicare benefits. While the plan is no longer available for many people to purchase, you have other options.
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Average Car Insurance Cost in Wyoming
Drivers in Wyoming pay an average of $72 monthly for car insurance.
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Cheap SR-22 Insurance in Iowa From $35
The average rate for liability insurance with an SR-22 on your record is $78 per month in Iowa.
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Car Insurance Requirements in Washington
The mandatory minimums in Washington state are $25,000 for bodily injury (up to $50,000 per accident) and $10,000 for property damage.
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Car Insurance Requirements in Louisiana
The legal requirement for car insurance in Louisiana is a 15/30/25 policy. Driving without insurance means giving up your right to claim reimbursement for damages and injuries after an accident.
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Car Insurance Requirements in West Virginia
West Virginia requires drivers to carry a policy with $25,000 in bodily injury liability ($50,000 max per accident), $25,000 in property damage liability, and uninsured motorist coverage.
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Cheap Car Insurance Quotes in Allentown, Pennsylvania (October 2026)
Plymouth Rock offers the cheapest policies for Allentown drivers, averaging $56 per month for state-minimum coverage. Allentown’s proximity to nearby metropolises results in more daily traffic and a higher-than-average accident rate.
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Cheap Car Insurance Quotes in Corpus Christi, Texas (October 2026)
State Farm offers the best rates on Corpus Christi car insurance, at $51 per month for minimum coverage. Auto theft rates are high, though, making full coverage worth the extra cost.
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Cheapest Car Insurance Quotes in Denton (October 2026)
Most Denton drivers find that State Farm offers the lowest auto insurance rates, at $47 per month. Heavy traffic from I-35 and a seasonal abundance of college students can make driving in Denton challenging.
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Cheapest Car Insurance Quotes in Phoenix (October 2026)
Auto-Owners offers the cheapest car insurance in Phoenix, averaging $67 per month. Phoenix has a high rate of auto theft, which increases car insurance prices.
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Cheapest Car Insurance Quotes in Tulsa, Oklahoma (October 2026)
State Farm has the cheapest auto insurance rates in Tulsa, with liability coverage averaging $40 per month. Above-average vehicle theft rates and severe weather risks contribute to higher premiums in Tulsa.
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Cheapest Car Insurance Quotes in Salt Lake City (October 2026)
USAA offers the cheapest car insurance coverage in Salt Lake City, at an average of $55 per month for minimum coverage. High levels of traffic congestion in the city make car crashes a bit more dangerous than in the rest of the state.
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Cheapest Car Insurance Quotes in Albuquerque (October 2026)
Progressive offers the lowest auto insurance rates in Albuquerque, with minimum coverage policies averaging $48 per month. Albuquerque drivers need to watch for pedestrians in heavy traffic areas, which can increase insurance costs.
Cheapest Car Insurance Quotes in Plano, Texas (October 2026)
State Farm offers the lowest car insurance rates in Plano, charging an average of $49 per month for minimum coverage. Plano is generally a very safe place to drive, but plenty of Dallas-based traffic congestion flows through this affluent suburb, which can keep costs elevated.
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Cheap Car Insurance Quotes in Memphis, Tennessee (October 2026)
State Farm offers the lowest-cost auto insurance in Memphis, charging an average of $55 per month for liability-only coverage. Memphis’ central location and strong transport network also mean lots of traffic congestion and vehicle theft, which drives insurance rates up for everyone.
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Cheap Car Insurance Quotes in Bakersfield, California (October 2026)
USAA offers the best price for minimum coverage in Bakersfield, charging an average of $59 per month. Driving under the influence is a common issue in Bakersfield, which can affect average car insurance rates in the area.
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Cheapest Car Insurance Quotes in San Diego (October 2026)
USAA offers the cheapest car insurance in San Diego, averaging $59 per month for minimum coverage. Numerous interstates pass through the city, increasing accident risks and insurance rates.
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How to Get a Driver’s License in Georgia in 2026
Georgia residents can get a REAL ID driver’s license, although the exact requirements, rules, and costs depend on the specific type of license you need.
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Cheapest Car Insurance Quotes in Murrieta, California (October 2026)
USAA offers the lowest liability car insurance rates for Murrieta drivers, at an average of $66 per month. Heavy traffic from I-15 and I-215 brings plenty of driving challenges to the city, but overall, it’s a relatively safe place for drivers.
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Temporary Car Insurance in Pennsylvania (October 2026)
Pennsylvania car insurance companies don’t offer policies for less than six months. But plenty of alternatives are available, such as canceling your policy early or joining someone else’s policy.
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How Much Is Car Insurance in Arizona?
Drivers in Arizona pay an average of $1,519 per year for car insurance.
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Cheap Car Insurance Quotes in Brockton, Massachusetts (October 2026)
State Farm offers the best car insurance prices for Brockton drivers, averaging $84 per month for a liability policy. High rates of auto theft and vehicle accidents make Brockton one of Massachusetts’ most expensive cities for car insurance.
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Cost of Toyota Corolla Car Insurance
Toyota Corolla rates are higher than the national average, but you can still save by choosing the right insurance company.
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How To Safely Drive On Black Ice and Avoid Accidents
Driving cautiously, looking for glossy patches, and steering into the spin are the best ways to handle black ice.
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How Much Does an Alternator Replacement Cost?
It can cost anywhere from $100 to $1,000 to replace your car’s alternator.
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Cost of Toyota Tacoma Car Insurance
Toyota Tacoma insurance costs less than the national average.
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Can You Get Car Insurance Without a License in Louisiana?
Many insurers will still offer coverage if you don’t have a license in Louisiana. But you’ll often need to name someone else who has a license as the primary driver instead.
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How Much Condo Insurance Do You Need?
The amount of condo insurance you need depends on the level of protection you need to cover your condo and belongings, minus whatever coverage your association’s master policy provides.
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5 Best Omaha Homeowners Insurance Companies
Chubb and American Family offer the best homeowners insurance policies for hail and wind damage in Omaha, Nebraska.
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Best Homeowners Insurance Companies in Alabama
Farmers and Allstate offer good value for Alabama homeowners.
Average Car Insurance Cost in Alabama
Drivers in Alabama pay an average of $104 per month for car insurance.
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5 Best San Francisco Homeowners Insurance Companies
Farmers, USAA, and Amica are some of the best home insurance companies in San Francisco.
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Best Homeowners Insurance Companies in Mississippi
Amica, State Farm, and USAA offer affordable pricing and quality coverage to help Mississippi homeowners protect their most valuable investment.
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Cheapest Liability Car Insurance in Indiana
Indiana drivers can find the cheapest liability-only car insurance from Auto-Owners, with an average rate of $34 per month.
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5 Best Philadelphia Homeowners Insurance Companies
Allstate and Erie are some of the best home insurance companies in Philadelphia, but Westfield is worth considering if you need flood insurance.
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How Much Is Car Insurance in Ohio?
Drivers in Ohio pay an average of $1,091 per year for car insurance.
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Does Insurance Follow the Car or the Driver in Ohio?
Car insurance usually sticks with the car itself in Ohio, meaning that everyone who drives that car is protected, with some exceptions.
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Best Pet Insurance in Kansas
Figo, Pets Best, and Pumpkin are the top-rated pet insurance companies in the Sunflower State.
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Pets Best Insurance Reviews: How It Stacks Up
Pets Best is one of the best pet insurance companies available, allowing you to dial in the exact coverage you want for an affordable and competitive price.
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Cost of Owning a Siberian Husky : Purchase, Vet Bills, and More
You’ll pay anywhere from $150 to $2,000 or more for a Siberian husky, depending on where you get it, its age, the color of its coat and eyes, and more.
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Pumpkin Pet Insurance Reviews: How It Stacks Up
Pumpkin offers simple, streamlined, and comprehensive pet insurance coverage on most, but not all, veterinary care.
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Figo Pet Insurance Reviews: How It Stacks Up
Figo offers create-your-own pet insurance plans but suffers from many negative reviews and ratings, especially when filing a claim.
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Best Pet Insurance in Nevada
Figo, Pets Best, and Lemonade offer the top insurance policies for Nevada pet owners.
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Best Pet Insurance in Maine
Pumpkin, Pets Best, and Figo offer the best pet insurance coverage in Maine.
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The Annual Cost of Owning a Dog
The cost of a dog varies a lot, but most people spend between $1,200 and $4,300 per year. Learn about the many costs involved in your pup’s care.
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Home Insurance for New Construction: What to Know in 2026
Home insurance for new construction covers your home differently while it’s being built and after it’s complete. Choosing the right policy can help protect your investment.
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Apartment Renters Insurance: Coverages, Costs, and How to Get It
Renters insurance costs an average of $20 per month nationwide. But you may be able to get it even cheaper.
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How Security Deposit Insurance Works
Security deposit insurance can help you afford those high move-in costs. But it’s non-refundable, and you may be liable for paying out claims.
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Best Renters Insurance in Ohio
Renters insurance in Ohio is an affordable and easy way to protect your belongings.
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Best Renters Insurance in Maryland
Maryland state law doesn’t require renters insurance, but many landlords do. Erie, Allstate, and Travelers are great options.
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Cost of Owning a Belgian Malinois : Purchase, Vet Bills, and More
The average cost of a Belgian Malinois varies widely, from $350 to $9,000, depending on where you get it, your reasons for wanting one, and its age.
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Cost of Owning a Shih Tzu : Purchase, Vet Bills, and More
You’ll pay up to $3,000 for a Shih Tzu, but it’s possible to find them for less. Caring for your dog will generally be an even bigger expense in the long run.
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How to Insure Your Mobile Catering Van
Mobile catering vans face different risks than personal cars. You’ll generally need more van insurance for a catering business than if you drove the same vehicle for personal use.
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Endurance Auto Warranty Review: Prices and Ratings
Endurance has an industry reputation for providing customers peace of mind against high auto repair costs, but its fine print lists many exclusions.
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Allstate Pet Insurance Reviews: How It Stacks Up
Allstate doesn’t write its own pet insurance policies, but it partners with Embrace to provide pet insurance coverage.
Nationwide Pet Insurance Reviews: How It Stacks Up
Nationwide offers flexible and cost-effective plans that cover a wide range of pets and fit within most pet owners’ budgets.
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How to File a Phone Insurance Claim
Know what steps to take to get a quick replacement for a lost, stolen, or damaged phone.
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USAA Renters Insurance Review: Cost, Coverage, and More
USAA is a standout choice for renters insurance, with a good customer service reputation and affordable average rates.
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What Is Electronics Insurance and Is It Worth It?
Electronics insurance can help you stay connected in your modern life. But make sure you’re not covered elsewhere first.
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Nationwide SmartMiles Review: How It Works, Savings, and Whether It’s Worth It
If you don’t put many miles on your car each year, a Nationwide SmartMiles policy could help you reduce your insurance costs.
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Cheapest ATV Insurance Companies
ATV insurance costs can vary, but it’s typically more affordable than a standard car insurance policy.
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Blue Cross Travel Insurance Review: Costs, Coverage, and More
Blue Cross offers affordable and expansive international coverage through GeoBlue, an independent licensee.
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Next Business Insurance Review
Next offers an extensive range of business policies in a digital-first format, making it a good option for some business owners.
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The Hartford Business Insurance Review
The Hartford’s standout feature is its diverse range of business insurance solutions, but they may come at the expense of good customer service.
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Chevrolet Bolt Car Insurance Quotes
Chevy Bolt drivers pay an average of $151 per month for car insurance.
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GMC Acadia Car Insurance Quotes
It costs $131 per month to insure a GMC Acadia, on average.
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Chevrolet Tahoe Car Insurance Quotes
The average cost of car insurance for a Chevrolet Tahoe is $136 per month, but rates depend on your vehicle model, location, and more.
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Toyota Highlander Hybrid Car Insurance Quotes
Insuring a Toyota Highlander Hybrid usually costs $143 per month, which is slightly more expensive than the traditional Highlander.
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Kia Stinger Car Insurance Quotes
The overall average cost to insure a Kia Stinger is $199 per month.
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Best Gulfport Homeowners Insurance Quotes
USAA and Nationwide offer the best homeowners insurance policies in Gulfport, Mississippi.
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Does Medicare Cover International Travel?
Medicare generally only covers international travel in very limited circumstances unless you buy special coverage.
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Best Lubbock, Texas, Homeowners Insurance Quotes
Farmers, State Farm, and Travelers offer some of the best homeowners insurance policies in Lubbock, Texas.
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How to Cancel Your Figo Pet Insurance Policy
You can cancel your Figo policy by phone at any time, but you should consider getting a pet insurance policy from another insurer beforehand.
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Kin Home Insurance Review: Ratings and Quotes
Kin offers flexible homeowners insurance policies in many high-risk U.S. states.
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Top 10 Small Dog Breeds
French bulldogs, poodles, corgis, and yorkies: Oh my! Small dog breeds have a lot of love to give.
Cheap SR-22 Insurance in Hawaii From $62
The average rate for SR-22 insurance in Hawaii is $62 per month, but you can find more affordable rates by comparing quotes.
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Cost of Subaru Forester Car Insurance
The average monthly premium for a Subaru Forester is $83 for a minimum-coverage policy.
Cost of Honda CR-V Insurance
Honda CR-V drivers typically pay $89 per month for liability coverage, but this can depend on many different factors.
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How to Transfer Home Ownership
The legal requirements for title transfers can be complex, but a real estate agent or an attorney can help you navigate the process.
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Law and Ordinance Coverage: Do You Really Need It?
A law and ordinance endorsement can save you thousands of dollars if you need to repair or replace an older home up to modern building codes.
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22 Questions to Ask About Homeowners Insurance
It’s tough to know what questions to ask about homeowners insurance. Here’s a quick guide so you know how to ensure you’re getting the right coverage.
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Do You Need Flood Insurance?
You might need flood insurance depending on where you live and what type of mortgage you have. And flood insurance could make sense even if you don’t meet specific risk criteria.
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What to Do With a Stray Cat
If you find a stray cat, ensure its safety, then try to locate its owner. If you can’t, reach out to a local rescue group for help, or consider adopting it.
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