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About Timothy's expertise
Timothy Moore is a personal finance writer covering insurance, credit, loans, taxes, and banking. As a Certified Financial Education Instructor, Timothy simplifies complex financial topics to help everyday Americans make better decisions about insurance, budgets, and credit usage.
Timothy has covered personal finance, including automotive, home, pet, and life insurance, for 15 years. You can find his work on sites such as USA Today, TIME, Forbes, Business Insider, Credible, LendingTree, LendEDU, and The Penny Hoarder, as well as with insurers, banks, and lenders such as Kin, SoFi, Chime, and New American Funding. Timothy also serves as the editorial director of a niche travel magazine (print and digital).
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.
Timothy's latest posts
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Cheap Car Insurance in Florida With Bad Credit
State Farm has the cheapest car insurance in Florida for drivers with bad credit, with policies averaging $120 per month.
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Car Insurance Discounts in Maryland
Maryland state law requires car insurance companies to offer discounts for safe driving. You can also get car insurance discounts for bundling home and auto and serving in the military.
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Best Home and Auto Insurance in New York
Progressive and Travelers are two of the best companies in New York state for bundling home and auto insurance.
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Car Insurance Discounts in Arizona
Arizona state law allows for car insurance discounts for drivers 55 and older who complete a driver improvement course. Arizona insurers also typically offer discounts for safe driving, bundling home and auto, and participating in a driver monitoring program.
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DUI Car Insurance in Virginia: Costs, Laws, and Cheapest Companies
Drivers in Virginia with a DUI pay an average of $151 per month for liability car insurance.
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How Much Is Car Insurance in Nevada?
Drivers in Nevada pay an average of $2,543 per year for car insurance.
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Cheap Car Insurance Quotes in Newark (October 2026)
The cheapest car insurance in Newark, New Jersey, comes from NJM, at an average of $166 per month for a liability-only policy. But Newark’s high levels of freight and tourism traffic, winter weather, and high number of ticketed drivers make full coverage a good idea for city drivers.
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Cheapest Car Insurance Quotes in Oklahoma City (October 2026)
The cheapest car insurance company in Oklahoma City is State Farm, with an average rate of $44 per month for a liability-only policy. Rates in OKC are higher than elsewhere in the state because of the city’s poor road conditions, heavy highway through traffic, and high vehicle theft rate.
How Much Is Car Insurance in New York?
Drivers in New York State pay an overall average of $2,177 per year for car insurance.
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Texas Car Insurance Requirements in 2026
Texas requires drivers to carry liability insurance with minimum coverage limits of $30,000 per person and $60,000 per accident for bodily injury, and $25,000 for property damage.
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Cheap Car Insurance Quotes in Hayward, California (October 2026)
The cheapest car insurance company in Hayward, California, is USAA, with an average monthly rate of $68 for liability-only coverage. Hayward’s heavy traffic congestion on Interstate 880, high volume of vehicle thefts, and increased flood risk mean higher-than-average insurance rates.
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Cheapest Car Insurance Quotes in Inglewood, California (October 2026)
The cheapest car insurance in Inglewood is USAA, at an average of $92 per month for liability-only coverage. Inglewood’s major sports and entertainment venues and proximity to LAX lead to heavy traffic congestion and a greater chance for collisions, which increases rates.
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Cheap Car Insurance Quotes in Corona, California (October 2026)
The cheapest car insurance in Corona is a liability-only policy from USAA, at an average monthly rate of $68. Heavy regional traffic along state Route 91 influences Corona’s higher-than-average car insurance rates.
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Cheap Car Insurance Quotes in Deerfield Beach, Florida (October 2026)
State Farm offers the cheapest liability coverage in Deerfield Beach, at $99 per month. Coastal hurricane exposure and heavy I-95 congestion could contribute to higher auto insurance rates in Deerfield Beach.
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How Much Is Car Insurance in North Carolina?
Drivers in North Carolina pay an overall average of $1,091 per year for car insurance.
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New Jersey Car Insurance Requirements in 2026
At a minimum, you must carry a Basic Policy to meet New Jersey car insurance requirements. This bare-bones policy includes only a small amount of property damage liability and personal injury protection coverage.
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Cheap Car Insurance Quotes in Pomona, California (October 2026)
The cheapest car insurance company in Pomona is USAA, with an average monthly liability rate of $76. Car insurance rates are higher than average in Pomona because the city has a higher number of serious collisions, especially at night.
Cheap Car Insurance Quotes in Durham, North Carolina (October 2026)
The cheapest car insurance company in Durham is Erie, with an average monthly rate of $50 for liability coverage. Traffic congestion and crash risk on major roads in and around Durham can increase drivers’ accident exposure, which can contribute to higher insurance rates.
Virginia Car Insurance Requirements in 2026
Virginia requires drivers to carry at least $50,000 in bodily injury liability insurance, plus $25,000 in property damage liability coverage.
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Cheap Car Insurance Quotes in Greeley, Colorado (October 2026)
State Farm has the cheapest car insurance in Greeley, with liability-only policies averaging $48 per month. Greeley’s rates are cheaper due to the city’s lower population density and ongoing traffic safety measures.
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Cheap Car Insurance for Low-Income Drivers in Ohio
State Farm has the cheapest liability car insurance in Ohio, with an average rate of $35 per month.
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Cheap Full-Coverage Car Insurance in Colorado
Colorado drivers can find the cheapest full-coverage car insurance from State Farm, with an average rate of $124 per month.
Colorado Car Insurance Laws
Colorado is an at-fault state and requires drivers to carry a minimum amount of liability insurance. If you drive without insurance in Colorado, you could face fines and serious legal penalties.
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Driving Without Insurance in North Carolina: Penalties and Next Steps
Driving without insurance in North Carolina is a Class 3 misdemeanor with fines, civil penalties, and other consequences. Purchase the state-minimum required insurance online or by calling an agent before getting behind the wheel in North Carolina.
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Classic Car Insurance in California
Classic car insurance is crucial in California, whether you take your vintage vehicle on a road trip down the Pacific Coast Highway or belong to one of the state’s 135-plus auto clubs.