Cheapest Auto Insurance in Palm Bay, Florida (2026)
State Farm offers the cheapest quotes in Palm Bay, with rates as low as $96 per month.
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Written byJacqueline DeMarco
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Jacqueline DeMarcoFreelance Insurance Writer
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Reviewed byDavid Marlett
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
Updated
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Table of contents
Year-round beach access is pretty dreamy but comes at a price. Palm Bay, Florida, drivers spend an overall average of $169 per month on car insurance premiums. That’s similar to the state average of $184 per month but more than the national average of $136 per month.
As lovely as the weather is most of the year in Palm Bay, living in an area with hurricane risks can cause more expensive car insurance rates. To help you get a deal, here’s a look at how to find the cheapest car insurance in Palm Bay.[1]
Quick Facts
The average cost of car insurance in Palm Bay is $144 for liability coverage and $195 for full coverage.
State Farm is the cheapest insurer in Palm Bay for full coverage.
State Farm, Hugo, and GEICO are the best car insurance companies in Palm Bay.
3 of the cheapest car insurance companies in Palm Bay
The car insurance company you buy a policy from will play a big role in how much you spend. Do some research on which auto insurers can offer you the best price for the type of coverage and features you need to feel secure on the road. Here are some great options for cheap car insurance in Palm Bay.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $116 | $106 | Discounts |
| GEICO | 9.2 | $179 | $159 | Bundling |
| Hugo | 6.3 | N/A | $202 | Temporary coverage |
Disclaimer: Table data sourced from real-time Palm Bay car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Palm Bay may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for discounts: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $96/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $104/mo |
4.1
Best choice in Palm Bay, FLBased on 15,424 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Palm Bay for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Palm Bay for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 Florida reviews for Palm Bay drivers - See all 7,109 State Farm reviews
Brian
Verified Review
Better insurance at a reasonable price
Reviewed in Florida on February 24, 2026
Too expensive. I've been with them for 20 plus years and can't get a break.
Begona
Verified Review
State Farm plays with numbers!
Reviewed in Florida on February 23, 2026
State Farm raised my payment in May 2025 to $352.30, June $352.30, July $355.42, August $355.42, September $355.43, October $467.60, November $495.20, December $495.20, January $464.27, February $468.58. This should be illegal; no notice in the mail. They are just playing with numbers, and I’m over it. That’s how I feel! This is crazy! Can State Farm do this? Tips to my friends: stay away.
Gregory
Verified Review
Excellent
Reviewed in Florida on February 22, 2026
The people I have dealt with are excellent, but I think it's a little expensive though.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Because car insurance costs more in Palm Bay than in other parts of the country, it’s good that State Farm offers the lowest average premiums in this city and a wide variety of discounts. Completing defensive driving courses, earning good grades, and equipping safety features in your car can all lead to savings with this insurer.
Pros
No. 1 in J.D. Power customer satisfaction study in Florida
Multiple potential discounts
Cons
No gap insurance
No online enrollment
Best insurer for bundling: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $144/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $162/mo |
4.0
Best choice in Palm Bay, FLBased on 15,685 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Palm Bay for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Palm Bay for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 Florida reviews for Palm Bay drivers - See all 7,372 GEICO reviews
David
Verified Review
My Review
Reviewed in Florida on February 25, 2026
No problems at all.
Nicole
Verified Review
Been with them 6 months and my policy went up instead of down
Reviewed in Florida on February 22, 2026
It's okay.
Alan
Verified Review
What You Would Like to Hear
Reviewed in Florida on February 21, 2026
Very, very hard to work through. We have an antique computer and cannot print PDF files, on and on. Your claim reps were very good. I asked them to send everything through the US mail, which they have so far. We had a very hard time with the safe drivers school as my computer system does not seem up to the needs. Anyway, got through it and hopefully y'all have received a copy. Been with you for 40 years, so we do think well of you.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Palm Bay isn’t just an expensive place to drive a car — it’s an expensive place to live. With average rent at almost $2,000 per month, being able to save on expenses like car insurance and renters insurance in one fell swoop is pretty convenient. GEICO offers a bundling discount for homeowners, condos, and mobile homes, so you can save on insurance no matter what type of property you live in.
Pros
Above-average J.D. Power customer satisfaction rating in Florida
Highly rated mobile app
Cons
No rideshare coverage available
No gap insurance available
Best insurer for temporary coverage: Hugo
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $202/mo |
4.5
Best choice in Palm Bay, FLBased on 186 verified driver reviews and ratings
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best in Palm Bay for
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best in Palm Bay for
Micropayments
No down payments
Fast coverage
Showing recent national reviews - See all 64 Hugo reviews
Angela
Verified Purchase
Affordable
Reviewed in Texas on February 2, 2026
Love that you can pay it freely by the day, week, or month.
Theola
Verified Purchase
Awesome and Affordable
Reviewed in Illinois on February 1, 2026
Awesome price with coverage.
Peter
Verified Review
Excellent
Reviewed in Alabama on January 31, 2026
Hugo has the best liability insurance and the cheapest.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Hugo is a relatively new insurance company that offers coverage for policy terms as short as three days. And drivers can turn their coverage on and off as needed so they only pay for car insurance when they’re driving. This new coverage model can help Palm Bay drivers save on auto coverage.
Pros
Three plan types available
Micropayments available
Cons
No mobile app
No advertised discounts
How to get the cheapest car insurance in Palm Bay
How you shop for the cheapest car insurance in Palm Bay can make all the difference when it comes to getting the best deals. Insurers consider several factors, including your age, ZIP code, driving record, and credit history. Here’s how you can get cheap coverage:
Compare quotes. When shopping for a new car insurance policy, get quotes from at least three companies. Compare these rates to see which company can offer you the best price for the coverage you need. You can also use a quote-comparison tool like Insurify to view multiple quotes and identify the lowest price.
Ask about discounts. Many car insurance companies offer a variety of discounts for things like having good grades, installing safety equipment in your car, or being a safe driver.
Bundle policies. If you choose an insurance company that also offers other insurance policies — like home insurance, renters insurance, business insurance, or life insurance — you can often save by purchasing more than one type of policy.
Find Cheap Car Insurance in Palm Bay, Florida
Liability quotes start at just $96 per month
Excellent
4.7 out of 5 based on 12,168 reviews
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Cheapest liability-only car insurance in Palm Bay: State Farm
In Florida, liability-only car insurance provides coverage for other people’s damages and your injuries from an accident you cause. The personal injury protection portion of the policy covers your medical expenses and lost wages if you’re injured, and the property damage liability coverage takes care of repairs to others’ property. However, it doesn’t cover your own vehicle damage.
If you’re looking for the least expensive option for liability-only car insurance in Palm Bay, check out State Farm, which offers rates of $96 per month.
The following table outlines other affordable auto insurance companies in Palm Bay.
The below rates in Palm Bay, FL, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $96 |
| Mile Auto | $117 |
| Progressive | $127 |
| GAINSCO | $131 |
| Direct Auto | $141 |
| Mercury | $143 |
| GEICO | $144 |
| The General | $156 |
| Bristol West | $160 |
| Infinity | $161 |
| National General | $164 |
| AssuranceAmerica | $166 |
| Allstate | $168 |
| Travelers | $200 |
| Root | $205 |
| Dairyland | $269 |
| Liberty Mutual | $295 |
Disclaimer: Table data sourced from real-time Palm Bay car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Palm Bay may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Palm Bay: State Farm
Liability-only car insurance covers damage to others in accidents you cause, while full-coverage insurance includes additional protection for your own vehicle. Full coverage combines liability, comprehensive, and collision coverages. This type of coverage is beneficial for new cars, financed vehicles, or any drivers seeking extensive protection.
Drivers can find the cheapest full-coverage insurance with State Farm, but the table below highlights other inexpensive Palm Bay car insurance companies.
The below rates in Palm Bay, FL, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $104 |
| Mile Auto | $152 |
| GEICO | $162 |
| Progressive | $166 |
| Mercury | $173 |
| Allstate | $182 |
| Direct Auto | $190 |
| National General | $191 |
| Travelers | $217 |
| Bristol West | $219 |
| The General | $232 |
| Infinity | $236 |
| GAINSCO | $244 |
| AssuranceAmerica | $265 |
| Root | $267 |
| Liberty Mutual | $296 |
| Dairyland | $442 |
Disclaimer: Table data sourced from real-time Palm Bay car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Palm Bay may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Palm Bay, Florida
Drivers in and around Palm Bay, Florida have found policies from Liberty Mutual, Kemper Economy, Allstate, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Palm Bay, Florida within the last 10 days. Last updated on February 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Palm Bay, Florida within the last 10 days. Last updated on February 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Florida
To drive legally in the state of Florida, you must have proof of personal injury protection (PIP) and property damage liability (PDL) for the following amounts:[2]
Coverage | Minimum Requirements |
|---|---|
| Personal injury protection | $10,000 per accident |
| Property damage liability | $10,000 per accident |
If you have any questions about what types of additional coverage you may need, you can always work with an insurance agent to find the right policy. Adding extra coverage will result in higher rates but can give you better protection. Don’t be afraid to call an agent for help. Consider purchasing these optional types of coverage:
Collision coverage
Collision coverage pays for damages from collisions with other vehicles or stationary objects, even if you’re at fault.
Comprehensive coverage
Comprehensive coverage pays for damages from non-collision events, like theft, falling objects, fire, vandalism, and natural disasters.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage provides you coverage when someone without insurance or enough insurance causes an accident.
Glass coverage
When you have glass protection, issues like a busted windshield are covered.
Cheapest car insurance for drivers with an incident
Having negative incidents on your driving record, like speeding tickets, driving under the influence (DUI) convictions, at-fault accidents, and other moving violations, can lead to higher car insurance costs. These incidents tell car insurance companies that you’ll likely file future claims.
This table breaks down how different driving incidents can affect your car insurance quotes with a handful of different insurers.
The below rates in Palm Bay, FL, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| State Farm | $96 | $117 | $123 | $138 |
| Mile Auto | $117 | $137 | $154 | $169 |
| Progressive | $127 | $147 | $159 | $180 |
| GAINSCO | $131 | $150 | $163 | $189 |
| Direct Auto | $141 | $169 | $187 | $203 |
| Mercury | $143 | $192 | $211 | $216 |
| GEICO | $144 | $181 | $182 | $206 |
| The General | $156 | $201 | $209 | $225 |
| Bristol West | $160 | $193 | $205 | $231 |
| Infinity | $161 | $197 | $203 | $232 |
| National General | $164 | $196 | $212 | $236 |
| AssuranceAmerica | $166 | $203 | $215 | $239 |
| Allstate | $168 | $211 | $219 | $242 |
| Travelers | $200 | $250 | $262 | $288 |
| Root | $205 | $263 | $267 | $299 |
| Dairyland | $269 | $322 | $346 | $388 |
| Liberty Mutual | $295 | $361 | $383 | $425 |
Disclaimer: Table data sourced from real-time Palm Bay car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Palm Bay may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Your age will play a role in your car insurance premiums. Teen drivers pay high rates because they lack driving experience and tend to engage in riskier behavior, making them more prone to accidents. Car insurance rates typically decrease around age 35, once drivers have more experience.
However, rates tend to increase around age 70 due to age-related factors, like declining vision and reaction time, which may raise the likelihood of accidents for senior drivers.
Check out this table to get an idea of how your age can affect your average monthly car insurance quote in Palm Bay.
Age | Average Monthly Quote |
|---|---|
| Teens | $433 |
| 20s | $315 |
| 30s | $274 |
| 40s | $264 |
| 50s | $244 |
| 60s | $226 |
| 70s | $231 |
Disclaimer: Table data is based on real-time Palm Bay quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Find Car Insurance in Palm Bay, FL
Compare rates for auto coverage instantly
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4.7 out of 5 based on 12,168 reviews
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Palm Bay car insurance quotes by credit tier
While not all states allow it, in Florida, car insurance companies can take your credit history into account when determining your premiums.[3] Generally, auto insurance companies view drivers with excellent or good credit as less risky and offer cheaper rates to them than to drivers with poor credit.
Here’s how your credit affects your car insurance in Palm Bay.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Palm Bay car insurance FAQs
Learn about the types of car insurance coverages you can purchase for more protection on the road, and check out the answers to questions about auto coverage in Palm Bay.
How much is car insurance in Palm Bay?
The average cost of car insurance in Palm Bay is $144 per month for liability coverage and $195 for full coverage.
Who has the cheapest car insurance in Palm Bay?
State Farm, Mile Auto, and Progressive have the cheapest liability car insurance in Palm Bay, with rates of $96, $117, and $127 per month, respectively. The best way to find cheap coverage is to compare quotes from several companies to see which insurer offers you the best deal for the coverage you need.
What are the best car insurance companies in Palm Bay?
Some of the best car insurance companies in Palm Bay that Insurify identified are GEICO, State Farm, and Hugo. These insurers have strong customer satisfaction ratings, plenty of discounts and coverage options, and high Insurify Quality Scores.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Best Cheap Car Insurance in Daytona Beach, FL, From $102
February 26, 2026
Cheapest Car Insurance Quotes in Davenport, FL,
February 26, 2026
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Sources
- City of Palm Bay Florida. "Hurricane Preparedness."
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- the Florida Senate. "626.9741 Use of credit reports and credit scores by insurers.."
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Jacqueline DeMarcoFreelance Insurance Writer
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.