Cheapest Auto Insurance in Bowling Green, Kentucky (2025)
National General offers the cheapest car insurance in Bowling Green, with rates starting at $89 per month.
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Written byNick Dauk
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Table of contents
Bowling Green is the home of the Chevrolet Corvette, but fast luxury cars don’t seem to drive an increase in the city’s auto insurance rates. Bowling Green’s $119 per-month average premium for liability coverage is lower than the state average of $126.
The city’s smaller population and size compared to other Kentucky cities like Louisville and Lexington may help keep rates low.[1]
Even though Bowling Green residents already enjoy lower premiums, comparing quotes can help you further lower your insurance costs in the area.
Quick Facts
National General, Progressive, and Auto-Owners have the cheapest car insurance in Bowling Green.
The average rate for full-coverage car insurance in Bowling Green is $182 per month.
Kentucky is one of the top states for teenage driving fatalities.[2]
6 of the cheapest car insurance companies in Bowling Green
Whether you’re a rideshare driver picking up customers from Woodhurst Airport or wish to bundle your regular car insurance with a policy for your classic Corvette, the right auto insurance company for you is the one that can provide the best policy for the best rate.
Consider the benefits and disadvantages of choosing a policy from six of the cheapest car insurance companies in Bowling Green. Rates shown in the table are for the state of Kentucky.
 |  |  |  |  |  |
|---|---|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $124/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $129/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $149/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $187/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $127/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $126/mo* |
Overall rating 3.9 | Overall rating 4.1 | Overall rating 4.0 | Overall rating 3.9 | Overall rating 3.4 | Overall rating 3.3 |
Value for money 3.4/5 | Value for money 3.9/5 | Value for money 3.8/5 | Value for money 3.6/5 | Value for money 2.9/5 | Value for money 3.4/5 |
Customer service 3.8/5 | Customer service 4.1/5 | Customer service 3.9/5 | Customer service 3.8/5 | Customer service 3.3/5 | Customer service 3.3/5 |
Claims handling 3.9/5 | Claims handling 4.1/5 | Claims handling 4.1/5 | Claims handling 3.9/5 | Claims handling 3.2/5 | Claims handling 3.5/5 |
Special highlight Cheap ratesAI-generated from 120 user reviews | Special highlight Customer serviceAI-generated from 6048 user reviews | Special highlight Teen driversAI-generated from 6437 user reviews | Special highlight Accident forgivenessAI-generated from 3656 user reviews | Special highlight SR-22 insuranceAI-generated from 279 user reviews | Special highlight Competitive ratesAI-generated from 6931 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Best insurer for drivers with unique needs: 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. | $102/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. | $134/mo |
4.1
Best choiceBased on 11,284 verified guest 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 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 For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,048)
Audrey
Verified Review
Old Customer
Reviewed in Michigan on July 2025
State Farm is excellent.
Roseann
Verified Review
Excellent
Reviewed in Wisconsin on July 2025
I've checked several insurance companies and State Farm always comes out on top.
Alice
Verified Review
State Farm Cares
Reviewed in New Jersey on July 2025
All good... the staff is great and they care about your issues.
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
Perhaps you’re a rideshare driver, have a teen driver on your policy, or occasionally need to drive out of town for work. State Farm’s extensive coverage options have you covered.
Offering everything from rideshare insurance and emergency roadside assistance to discounts specifically designed for teen drivers, State Farm has multiple coverage options to customize a policy and fit your needs.
Pros
Above-average J.D. Power customer satisfaction rating in the Southeast
AM Best financial strength rating of A++ (Superior)
Cons
High number of NAIC complaints compared to other states
Poor Trustpilot ratings from policyholders[3]
Best insurer for low rates: Auto-Owners
| User Reviews | 3.9 |
|---|---|
| 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. | 8.2 /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. | $97/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. | $129/mo |
3.9
A solid optionBased on 204 verified guest reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (120)
Thomas
Verified Review
Fair Insurance, One Bad Agent
Reviewed in Michigan on July 2025
I had a bad agent, but the prices are kind of high, yet they are the lowest among the big four insurance companies.
Roy
Verified Review
I don't have anything to add
Reviewed in Wisconsin on June 2025
Good company, but I didn't care for their premiums going up this year just for liability and roadside service.
Ann
Verified Review
Satisfaction
Reviewed in North Carolina on June 2025
I like paying all at one time.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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
Auto-Owners offers some of the lowest average car insurance rates in Bowling Green for both full-coverage and liability-only policies. Auto-Owners also offers more than a dozen discounts and at-fault accident forgiveness for qualified policyholders. Six independent insurance agencies write Auto-Owners policies, but you can’t get a policy directly through Auto-Owners.
Pros
Diminishing deductible and gap insurance available
Classic car insurance available
Cons
Must use an independent agent
Low J.D. Power customer satisfaction rating in the Southeast
Best insurer for high-risk drivers: National General
| User Reviews | 3.4 |
|---|---|
| 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. | 7 /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. | $89/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. | $144/mo |
3.4
A solid optionBased on 591 verified guest reviews and ratings
How drivers feel about National General
Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
How drivers feel about National General
Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
Reviews (279)
Myron
Verified Review
Policy Cancelled June 23rd, 2025
Reviewed in Texas on July 2025
Okay, but their premiums far exceed other carriers.
Jared
Verified Review
Bloated = National General
Reviewed in North Carolina on June 2025
Too expensive for such minimal coverage.
Donna
Verified Review
Started with a good price, now it's ridiculous!
Reviewed in North Carolina on June 2025
They started out great with a good price, but then steadily increased every year. From $300 a year after several years, they now want $950 this year, so I am looking for a new company.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
599NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.25A.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
Warren County legalized the sale of alcohol in 2019, which increases opportunities for drinking and driving in Bowling Green. National General is a reliable car insurance company for high-risk drivers, including people who have a driving under the influence conviction (DUI) on their record.
Although Kentucky doesn’t require SR-22 filing, National General has experience with meeting state requirements for DUI drivers and can act as a knowledgeable resource for first-time DUI/DWI offenders.
Pros
Insures high-risk drivers
Potential for 48-hour claim payouts
Cons
Nearly 2,000 Better Business Bureau (BBB) complaints in last three years[4]
Rideshare insurance not listed as available coverage
How to get the cheapest car insurance in Bowling Green
Your age, gender, ZIP code, driving history, and more can all affect the rates you pay in Bowling Green. Some of these measurables are outside your control, but you can do some things to lower your rates:
Look for discounts. The best way to lower your rate instantly is to first ask for information about any discounts you may qualify for. Most companies offer discounts that range from remaining accident-free for a number of years to simply owning a car with the latest safety features.
Bundle your policies. Many companies offer reduced rates if you pair your car insurance policy with another policy, like life insurance, business insurance, or homeowners insurance.
Comparison shop. It’s a good idea to review your policy and see if you can get the same coverage for a cheaper quote. Insurance companies change their rates all the time, which means you may be able to get a good deal just by switching companies.
Find Cheap Car Insurance in Bowling Green
Liability rates start at $89 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Bowling Green: National General
Liability-only car insurance covers the damage or injuries suffered by the other parties in an accident you cause. It doesn’t cover your own damages or injuries. This is why it’s often the cheapest policy available. Liability-only coverage may make sense for you if your vehicle is paid-off, older, or less expensive. But if you finance or lease your vehicle, you'll need to buy full coverage car insurance.
The average rate for liability-only car insurance in Bowling Green is $119 per month, and the table below shows average monthly rates available from the area’s top insurance companies.
The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.
Insurance Company  | Average Monthly Quote |
|---|---|
| National General | $89 |
| Progressive | $91 |
| Auto-Owners | $97 |
| State Farm | $102 |
| Direct Auto | $104 |
| Root | $106 |
| Safeco | $107 |
| GEICO | $119 |
| CSAA | $122 |
| USAA | $124 |
| Bristol West | $138 |
| Allstate | $147 |
| State Auto | $149 |
| Dairyland | $162 |
| Travelers | $163 |
| Liberty Mutual | $184 |
| The General | $187 |
| Nationwide | $216 |
| Shelter | $264 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Bowling Green: Auto-Owners
Full-coverage car insurance includes liability coverage, but it also covers the damages and injuries you, your passengers, and your vehicle receives. Full coverage is optional coverage and typically includes comprehensive and collision insurance. If you have a loan on your car, your lender will likely require you to carry full coverage.
The average rate for full-coverage car insurance in Bowling Green is $182 per month.
You can compare average rates from different insurance companies in the table below.
The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $129 |
| State Farm | $134 |
| Progressive | $139 |
| National General | $144 |
| Safeco | $152 |
| GEICO | $153 |
| Direct Auto | $155 |
| CSAA | $165 |
| USAA | $165 |
| Root | $183 |
| Allstate | $195 |
| State Auto | $198 |
| Travelers | $216 |
| Liberty Mutual | $264 |
| Bristol West | $281 |
| Nationwide | $286 |
| The General | $302 |
| Dairyland | $315 |
| Shelter | $351 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Bowling Green, Kentucky
Drivers using Insurify have found quotes as cheap as $68/mo for liability only and $106/mo for full coverage in Bowling Green and other Kentucky cities.
*Quotes generated for Insurify users in and around Bowling Green, Kentucky within the last 10 days. Last updated on July 10, 2025. 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 July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Bowling Green, Kentucky within the last 10 days. Last updated on July 10, 2025. 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 July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Kentucky
Kentucky’s minimum car insurance requirements are 25/50/25. This means you must carry $25,000 of bodily injury coverage per person per accident, $50,000 of bodily injury coverage for more than one person per accident, and $25,000 of property damage liability insurance per accident, in order to drive legally in Kentucky.[5]
Kentucky is also a no-fault state, which means that a driver can’t legally seek compensation for damages or injuries from the at-fault party except in special circumstances. All Kentucky drivers, except motorcyclists, must also carry personal injury protection (PIP) coverage.
Tort rights are also limited when you register your vehicle in Kentucky. This means you agree that you can’t sue an at-fault party unless you receive a broken bone, permanent disfigurement, permanent injury, death, or medical expenses exceeding $1,000.
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 |
While the coverages above meet the state’s minimum requirements, you may want to consider adding further protection with optional coverages, including:
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage protects you if you’re in an accident with an uninsured, underinsured, or hit-and-run driver.
Gap coverage
Gap insurance provides protection if you total your car and its value is less than the amount you still owe.
Rideshare coverage
Rideshare coverage insures you while you’re working as a rideshare driver. This includes periods when you’ve accepted a passenger ride request and are in transit to pick them up.
Cheapest car insurance for drivers with an incident
Speeding tickets, at-fault accidents, moving violations like failing to stop at a stop sign, and driving under the influence are all incidents that insurance agencies label dangerous driving habits.
Dangerous driving increases your chances of getting into an accident, and then filing a claim, which is why insurance companies raise rates when you have these instances on your driving record.
You can see how different incidents affect the rate you pay for liability coverage in the table below.
The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| National General | $89 | $107 | $112 | $137 |
| Progressive | $91 | $109 | $116 | $147 |
| Auto-Owners | $97 | $118 | $123 | $149 |
| State Farm | $102 | $121 | $128 | $157 |
| Direct Auto | $104 | $126 | $136 | $160 |
| Root | $106 | $136 | $135 | $163 |
| Safeco | $107 | $133 | $143 | $171 |
| GEICO | $119 | $148 | $142 | $183 |
| CSAA | $122 | $149 | $165 | $187 |
| USAA | $124 | $149 | $157 | $190 |
| Bristol West | $138 | $168 | $176 | $212 |
| Allstate | $147 | $177 | $186 | $226 |
| State Auto | $149 | $182 | $191 | $229 |
| Dairyland | $162 | $196 | $206 | $249 |
| Travelers | $163 | $198 | $208 | $250 |
| Liberty Mutual | $184 | $226 | $237 | $282 |
| The General | $187 | $238 | $247 | $287 |
| Nationwide | $216 | $262 | $275 | $332 |
| Shelter | $264 | $333 | $338 | $405 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Insurers consider young drivers — including teens and adults younger than 25 — high-risk drivers because they’re more likely to be involved in a car accident than older, more experienced drivers.
Thankfully, drivers see their rates decrease around age 35, provided they keep their driving records in good standing. Around age 70, senior drivers tend to see rates rise again because their more at risk of getting into an accident and getting seriously injured in an accident.
The table below shows how your age can affect the rate you pay for car insurance in Bowling Green.
Age | Average Monthly Quote |
|---|---|
| Teens | $394 |
| 20s | $270 |
| 30s | $197 |
| 40s | $184 |
| 50s | $176 |
| 60s | $173 |
| 70s | $179 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Bowling Green
Check quotes from 120+ top insurance companies
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Bowling Green car insurance quotes by credit tier
Kentucky allows insurance companies to take your credit history into account when setting premiums. Although the insurance company can’t use your history as the sole rating factor in determining whether to deny you or reject a policy renewal, it can affect your premiums significantly.
The table below shows that Bowling Green drivers with poor credit scores tend to pay the highest premiums.
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.
Bowling Green car insurance FAQs
If you want to learn more about car insurance in Bowling Green, this additional information may help.
How much is car insurance in Bowling Green?
The average rate for liability car insurance in Bowling Green is $119 per month. The average rate for full-coverage car insurance in Bowling Green is $182 per month. These rates are generally lower than the Kentucky state average.
Which company has the cheapest car insurance in Bowling Green?
National General offers the cheapest car insurance in Bowling Green, with rates starting at $89 per month for liability coverage.
Progressive and Auto-Owners also offer cheap coverage in the area, with monthly liability rates of $91 and $97, respectively.
What are the best car insurance companies in Bowling Green?
State Farm, Auto-Owners Insurance, and National General rank as three of the top insurers in Bowling Green.
State Farm and Auto-Owners both offer low rates and have demonstrated financial strength while offering a wide array of discounts. National General can be a good option for high-risk drivers seeking affordable insurance coverage.
Methodology
Insurify data scientists analyzed more than 90 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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Sources
- U.S. Census Bureau. "Bowling Green, Kentucky."
- Tristate. "Kentucky ranked second worst for teen driver deaths in nation, Indiana and Illinois ranked lower."
- Trustpilot. "State Farm."
- Better Business Bureau. "National General Insurance Company."
- Kentucky.gov. "Mandatory Insurance."
)
Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Nick has been a contributor at Insurify since October 2022.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.