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Experience
- Health insurance
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About Sarah's expertise
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. Sarah joined Insurify’s freelance team in September 2022, and has written more than 100 articles aimed at helping readers feel confident about their insurance coverage.
She covers a wide range of insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Featured Work
Our Editorial Guidelines
Insurify’s content goes through a rigorous editing and fact-checking process that includes reviews by insurance agents, data scientists, and multiple editors with years of experience in insurance and personal finance. We vet every article and report for: accuracy, educational value, objectivity, enjoyability.
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Sarah's latest posts
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Michigan Car Insurance Requirements in 2026
You’ll need to purchase a no-fault auto insurance policy to legally drive in the state of Michigan.
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Non-Owner Car Insurance in North Carolina
North Carolina requires certain drivers to carry liability coverage even if they don’t own a car. Non-owner car insurance meets that requirement.
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Allstate vs. State Farm: Which Is the Best?
State Farm’s relatively low rates and high customer satisfaction earn it a higher Insurify Quality (IQ) Score than Allstate.
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Best Car Insurance in North Dakota
Some of the best car insurance companies in North Dakota include American Family, State Farm, and Auto-Owners Insurance.
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Farmers Auto Insurance: User Reviews and Quotes
Farmers tends to offer higher rates. But drivers who value financial strength and qualify for discounts can find a lot of value with this insurer.
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The General Car Insurance Review: 1,466+ User Ratings and Expert Insights
The General customers appreciate the ease of payment and availability of ID cards but are dissatisfied with the high premiums and poor customer service.
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Allstate vs. Liberty Mutual: Which Insurance Company Is Better in 2026?
Allstate’s lower rates make it a good choice for cost-conscious drivers, but Liberty Mutual has more robust coverage offerings and discounts.
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Car Insurance Discounts in New Jersey
Garden State drivers can tap into significant savings by bundling multiple insurance policies and sticking to safe driving habits.
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5 Best Home and Auto Insurance Bundles in Florida
State Farm, Allstate, and Progressive each offer worthwhile bundling opportunities to Floridians.
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Best Companies for Auto and Renters Insurance Bundles
An auto and renters bundle is when you purchase these two policies from the same insurer. State Farm, Allstate, and Erie are some of our top picks for bundling auto and renters insurance.
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Cheapest Auto Insurance in Davenport, Iowa
Drivers in Davenport will find the cheapest car insurance coverage from State Farm, with monthly liability-only rates as low as $24.
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Cheapest Auto Insurance in Norman, Oklahoma
State Farm is the cheapest car insurance company in Norman, with a liability car insurance rate of $34 per month.
Cheapest Car Insurance Quotes in North Dakota
Auto-Owners offers North Dakota drivers the most affordable car insurance rates, although State Farm and USAA offer similarly affordable rates. Shop real-time quotes for North Dakota and buy your policy all in one place with Insurify.
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Cheapest Auto Insurance in Morgantown, West Virginia
State Farm has the cheapest liability insurance in Morgantown, with a rate of $41 per month.
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Cheapest Auto Insurance in Tempe, Arizona
Auto-Owners has the cheapest liability car insurance in the state, with a rate of $56 per month.
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Cheapest Auto Insurance in Greer, South Carolina
USAA offers the cheapest car insurance in Greer, with minimum-coverage policies as low as $62 per month.
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Gap Insurance in California
Gap insurance can protect your wallet by paying off your remaining auto loan balance if you total your leased or financed vehicle. Aspire General has the lowest average gap insurance rates in California.
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Gap Insurance in Texas
Texas drivers with an auto loan balance exceeding their vehicle’s cash value can gain greater financial protection with a gap insurance policy, which covers the difference between the two.
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Cheapest Auto Insurance in Kingsport, Tennessee
Sun Coast offers the cheapest car insurance in Kingsport, with minimum-coverage policies as low as $32 per month.
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Gap Insurance in Virginia
Gap insurance gives your wallet extra protection when you finance or lease your vehicle. But the optional coverage comes at a cost.
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Erie vs. Nationwide: Which Is the Best?
Erie’s customers tend to enjoy lower rates and a better customer service experience than Nationwide.
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Cheapest Auto Insurance in Henderson, Kentucky
Progressive offers the cheapest car insurance in Henderson, with minimum-coverage policies as low as $59 per month.
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Cheapest Auto Insurance in Canton, Ohio
Mile Auto offers the cheapest liability car insurance in Ohio, at $35 per month.
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Esurance vs. GEICO: Which Is the Best?
GEICO’s relatively low rates and top-tier IQ Score make it stand out.
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Cheapest Auto Insurance in Bossier City, Louisiana
State Farm offers the cheapest car insurance in Bossier City, with minimum-coverage policies as low as $42 per month.
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Cheapest Auto Insurance in Charleston, West Virginia
State Farm offers the cheapest car insurance in Charleston, with minimum-coverage policies as low as $43 per month.
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Cheapest Auto Insurance in Lexington, South Carolina
Lexington drivers can find the cheapest rates from USAA, with prices as low as $68 per month.
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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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Cheapest Auto Insurance in Albany, Georgia
Auto-Owners offers the cheapest car insurance in Albany, with liability rates starting at $64 per month.
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Car Insurance Requirements in Minnesota
Minnesota drivers must carry at least 30/60/10 limits for liability coverage in addition to personal injury protection and uninsured/underinsured motorist coverage.
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Car Insurance Requirements in California
California drivers must carry $30,000 per person and $60,000 per accident in bodily injury liability, as well as $15,000 in property damage liability.
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Cheapest Car Insurance Quotes in Amarillo (July 2026)
State Farm offers Amarillo drivers the most affordable car insurance, followed by Allstate and Progressive. With a lower population than many Texas cities, Amarillo drivers pay lower car insurance rates than the rest of the Lone Star State.
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Average Car Insurance Cost in Delaware
Drivers in Delaware pay an average of $211 per month for car insurance.
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Car Insurance Requirements in Delaware
Delaware state law requires drivers to carry bodily injury liability, property damage liability, and personal injury protection (PIP) coverage.
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Car Insurance Requirements in Utah
Utah state law requires drivers to carry bodily injury liability, property damage liability, and personal injury protection (PIP) coverage.
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Average Car Insurance Cost in Kansas
Drivers in Kansas pay an average of $115 per month for car insurance.
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Average Car Insurance Cost in Washington, D.C.
Drivers in Washington, D.C., pay an average of $2,622 annually for car insurance.
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Cheapest Car Insurance Quotes in San Antonio (July 2026)
State Farm offers San Antonio drivers the lowest car insurance rates, at $47 per month. San Antonio’s heavy traffic congestion contributes to its higher-than-average car insurance costs.
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Cheap SR-22 Insurance in Kansas from $57
The average rate for liability coverage with an SR-22 on your record is $91 per month, but you may save money by comparing quotes.
Cheapest Car Insurance Quotes in Dallas (July 2026)
State Farm offers Dallas drivers the cheapest car insurance rates, at $51 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 Car Insurance Quotes in Columbus, Georgia (July 2026)
Auto-Owners offers Columbus drivers the cheapest car insurance rates, with liability policies averaging $64 per month. The city’s limited traffic and relatively low vehicle theft rates likely contribute to the below-average auto insurance costs.
Cheap Car Insurance Quotes in Detroit (July 2026)
Auto-Owners offers Detroit drivers the cheapest car insurance, averaging $131 per month for liability-only coverage. Above-average car theft rates and heavy trucking traffic contribute to high car insurance rates in the Motor City.
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Bankrate Review: Legit or Just a Lead Generator?
Bankrate provides financial information about credit cards and personal loans. While it also offers auto insurance quotes, you can’t buy coverage through this site.
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Average Car Insurance Cost in Wisconsin
Drivers in Wisconsin pay an average monthly rate of $92 for car insurance.
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Is a $1,000 Deductible Good for Car Insurance?
A $1,000 deductible can lower your premium, but make sure you have the savings to cover it after a claim.
Cheap SR-22 Insurance in Massachusetts
If you have a suspended license, you might need to file an SR-22 form to get back on the road.
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Cheapest Car Insurance Quotes in Los Angeles (July 2026)
USAA has the cheapest car insurance rates in Los Angeles, at an average of $103 per month for liability-only policies. The city’s notorious traffic costs drivers an average of 87 hours per year in congestion.
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Cheap SR-22 Insurance in Vermont from $93
SR-22 holders in Vermont pay a monthly average of $93 for liability and $242 for full coverage.
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What Is SR-22 Insurance, and Who Needs It
An SR-22 is a form some drivers must file with their state DMV as proof of minimum coverage requirements after a serious violation.
Cheap Car Insurance for Low-Income Drivers in Indiana
Auto-Owners has the cheapest liability car insurance in Indiana, with an average rate of $35 per month.
Cheap Car Insurance Quotes in Stockton, California (July 2026)
USAA offers Stockton drivers the cheapest car insurance, averaging $67 per month for liability-only coverage. Living in a city with relatively high car theft rates and a large percentage of “super commuters,” Stockton drivers face higher average car insurance rates than much of the Golden State.
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Cheap Car Insurance Quotes in Birmingham, Alabama (July 2026)
National General offers Birmingham drivers the cheapest car insurance rates, at $48 per month. Relatively high theft and accident rates, along with damaging tornadoes, push premiums in Birmingham higher than the rest of the state.
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5 Best Stockton Homeowners Insurance Companies
Amica and Allstate offer some of the best homeowners insurance policies in Stockton, California.
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Best Homeowners Insurance Companies in New Jersey
Chubb, Amica, and USAA stand out as some of the best home insurance companies for New Jersey homeowners.
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5 Best Austin Homeowners Insurance Companies
Republic Indemnity, Travelers, and USAA offer some of the best homeowners insurance policies in Austin.
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Home Insurance Coverage for Townhomes
If you own a townhouse, mortgage lenders often require you to carry insurance. The type of townhome insurance you need may depend on your homeowners association.
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5 Best Pensacola Homeowners Insurance Companies
Security First, American Integrity, and State Farm offer some of the best homeowners insurance policies in Pensacola.
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Hazard Insurance: What It Is and How It Works
Hazard insurance represents the portion of your homeowners insurance policy that helps pay to rebuild or repair your home after damage from a covered peril.
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How to Get Car Insurance in Florida
Getting car insurance in Florida starts with understanding the state’s car insurance requirements. From there, you can compare quotes and coverage options to find a policy that fits your needs and budget.
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What to Know About Personal Injury Protection Coverage in Florida
Florida insurers must include personal injury protection in all auto policies, which is part of the state’s minimum coverage requirements.
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Non-Owner Car Insurance in New Jersey
New Jersey drivers who regularly borrow or rent vehicles might need a non-owner policy.
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How Much Is Car Insurance for a 16-Year-Old in Michigan?
Michigan 16-year-olds pay an average monthly insurance rate of $278. But age isn’t the only factor insurers consider when determining rates.
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Cheap Car Insurance for Low-Income Drivers in California
USAA has the cheapest liability car insurance in California, with average rates of $65 per month.
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Cheap Car Insurance for Low-Income Drivers in Georgia
Auto-Owners has the cheapest liability car insurance in Georgia, with an average rate of $73 per month.
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How to Get a Florida Driver’s License in 2026
Florida requires new drivers to complete an approved driver education course, pass a series of tests, provide proof of identity and citizenship, and pay a fee.
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Best Pet Insurance in New York
Pets Best, Lemonade, and Healthy Paws are a few of the best pet insurance companies in the Empire State.
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Best Pet Insurance in Louisiana
Pets Best, Embrace, and Spot are a few of the best pet insurance companies in the Bayou State.
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Best Pet Insurance in Michigan
Pets Best, Spot, and Embrace are some of the best pet insurance companies in the state.
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Best Pet Insurance in New Mexico
Pets Best, Embrace, and Healthy Paws are some of the best pet insurance companies in the state.
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Best Renters Insurance in North Carolina
Renters in North Carolina can protect personal belongings through a relatively inexpensive renters insurance policy.
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Reddit’s Best Renters Insurance Recommendations
Reddit can help you understand the experiences and opinions of other renters insurance customers.
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Best Renters Insurance in Orlando
Renters insurance can protect you from risks for a relatively reasonable price.
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Best Renters Insurance in North Carolina
Renters in North Carolina can protect personal belongings through a relatively inexpensive renters insurance policy.
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Best Renters Insurance in New York City
A relatively inexpensive renters insurance policy can provide much-needed peace of mind for renters in New York City.
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Best Renters Insurance in Indiana
Renters insurance provides worthwhile protection at a relatively affordable price point.
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Renters Insurance for College Students
Renters insurance for college students can provide financial protection at a relatively low price point.
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GEICO Renters Insurance Review: Cost, Coverage, and More
GEICO offers renters affordable rates. But many customers report a difficult customer service experience.
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Best Home Warranty Companies in Florida
American Home Shield and AFC Home Warranty offer two of the best home warranty options for Florida homeowners, striking a balance between coverage and affordability.
Healthy Paws vs. Pumpkin: Which Is the Best for Your Pet?
Healthy Paws has cheaper coverage on average, but Pumpkin offers more comprehensive coverage, making it the better option for pet owners who want more protection.
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Progressive Snapshot Review: How It Works, Savings, and Whether It’s Worth It
Progressive Snapshot can save you money if you’re a safe driver, but the constant monitoring could deter you from signing up.
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Liberty Mutual RightTrack Review: How It Works, Savings, and Whether It’s Worth It
Liberty Mutual RightTrack can help low-mileage and safe drivers who consent to driving behavior monitoring save on car insurance.
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Frontline Home Insurance Review: Ratings and Quotes
Frontline sells home insurance in five storm-prone states.
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Health Insurance Companies
UnitedHealthcare and Elevance Health are two of the largest health insurance companies in the country.
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Best Motorcycle Insurance Companies
State Farm, Allstate, and Amica offer some of the best insurance for motorcycle drivers.
Guide to Commercial Car Insurance in New Jersey
NJM, State Farm, and USAA are some of the best insurers offering commercial auto coverage to New Jersey business owners.
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Tesla Model X Car Insurance Quotes
Drivers pay an average of $501 per month to insure a Tesla Model X with full coverage.
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Dodge Hellcat Car Insurance Quotes
Dodge Challenger Hellcat drivers pay an average of $199 per month for car insurance.
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Tesla Model S Car Insurance Quotes
Tesla Model S drivers spend an average of $303 per month for full-coverage insurance, but costs vary based on a range of factors.
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Dodge Viper Car Insurance Quotes
Dodge discontinued the Viper in 2017. But for vehicles still on the road, the Viper costs an average of $134 per month to insure.
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Kia K5 Car Insurance Quotes
Kia K5 drivers pay an overall average of $200 per month for car insurance.
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Cost of Owning a Bernese Mountain Dog : Purchase, Vet Bills, and More
Purchasing a Bernese mountain dog from a reputable breeder costs between $1,000 and $5,000. But adopting one from the shelter might cost a few hundred dollars or less.
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Kia Forte Car Insurance Quotes
Kia Forte drivers pay an average of $168 per month for car insurance.
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Subaru WRX Car Insurance Quotes
Subaru WRX drivers pay an average of $177 per month for car insurance.
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Best Hilton Head Homeowners Insurance Quotes
Chubb, USAA, and State Farm offer the best homeowners insurance policies in Hilton Head, South Carolina.
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Best Minneapolis Homeowners Insurance Quotes
Foremost, Chubb, and Amica offer the best homeowners insurance policies in Minneapolis.
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Best Honolulu Homeowners Insurance Quotes
Island Insurance, USAA, and AIG offer the best homeowners insurance policies in Honolulu.
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What to Look for When Buying a Used Car
Knowing what to look for when buying a used car can help you make the right purchase. You should assess the vehicle’s condition, mileage, safety ratings, and more.
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Costco Auto Insurance: User Reviews and Quotes
Costco members can access exclusive car insurance options through CONNECT by American Family. Robust coverage options and claims satisfaction may make it a good choice for you.
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Airbnb Travel Insurance: How It Works
Airbnb offers affordable travel insurance that covers cancellations, delays, baggage, emergencies, and more.
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10 Ways to Prepare Your Vehicle for Winter
Some ways to prepare your car for winter include performing a standard maintenance inspection, checking essential fluid levels, switching to winter wipers, and stowing an emergency kit.
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Travelers Home Insurance Review: Ratings and Quotes
Travelers offers a robust lineup of home insurance options and competitive quotes. But consumer reviews indicate it falls short in customer service.
Travelers Home Insurance Review: Ratings and Quotes
Travelers offers a robust lineup of home insurance options and competitive quotes. But consumer reviews indicate it falls short in customer service.
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Does Home Insurance Cover Termite Damage?
Home insurance doesn’t cover termite damage. But you can take action to protect your home from termites.
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Home Maintenance Checklist for Insurance-Savvy Homeowners
Regular home maintenance can keep your house in good condition and help you avoid unnecessary homeowners insurance increases.
How Much Does an Umbrella Policy Cost?
For a policyholder with one home, two cars, and two drivers, the average annual cost of a $1 million umbrella policy is $383.
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How Much Is a Vet Visit for a Cat?
The average cost of a wellness exam for a cat ranges from $50–$250, but the total cost varies based on the nature of your visit.
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What Is Medicare?
Medicare is a federal program with two main coverage options: Original Medicare and Medicare Advantage.
Does Homeowners Insurance Cover Pest Control?
Most homeowners insurance policies don’t cover pest control.
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What Happens When Your Home Insurance Lapses?
A lapse leaves you on the hook financially for any damages that occur to your home and could make it more difficult to get coverage in the future.
Just Insure Auto Insurance Review: Ratings and Quotes
Just Insure offers a per-mile car insurance option, which could mean savings for infrequent drivers.
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