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Experience
- Auto Insurance
- Real Estate
- Cost of Living
- Driver Behavior
About Chase's expertise
Chase Gardner leads data research at Insurify. He informs readers on major developments in the auto and home industries through analysis of driver behavior, homeownership tendencies, cost of living trends, and more. He received a bachelor’s degree with concentrations in Environmental & Urban Studies and Statistics from the University of Chicago. Chase’s work has been cited in CNBC, MSN, Axios, The Street, and dozens of local news outlets across the country.
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
Chase's latest posts
Cities with the Worst Drivers in 2022
Dangerous driving behavior is on the rise in 2022. These cities are home to the worst drivers in every state, as measured by traffic infraction rates.
These Are the Worst Cities for Commuters in 2022
These cities have the worst commutes in 2022. Challenges include lengthy trips, busy roads, and high rates of dangerous driving behavior.
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To Rent or to Buy? The Top 10 Cities Where Each Option Provides the Best Value
Millions of Americans decide between renting or owning a home each year. The choice can be hard, though the financial math in these 20 cities makes it simpler.
These 20 Cities Have the Most Competitive Real Estate Markets in 2022
Real estate markets in these 20 cities are extremely competitive in 2022 as home values soar, buyers bid high, and houses sell faster than ever.
These 20 Cities are the Most Dangerous for Pedestrians in 2022
Pedestrians should always be on the lookout for motor vehicles, but walkers in these 20 most dangerous cities for pedestrians need to be especially alert.
Car Models With the Rudest Drivers in 2021
Insurify ranked the 10 car models with the rudest drivers in 2021.
Rents Are Rising the Highest in These 20 Cities
Rental values have increased the most over the past year in these 20 cities.
Look Out Behind! States with the Most Tailgating Violations
These 10 states have amassed the most tailgating violations in the nation this year.
Blame Game: Cities With the Most At-Fault Car Accidents in 2021
Insurify ranked the top city in every state with the most accident-prone drivers
These are the Cities with the Rudest Drivers in Every State
Each state has a city with less-than-kind drivers. See where the rudest drivers in your state live.
These Are the Most Popular Vehicles for Each Generation
See which car models are the most popular for each generation of drivers in 2021.
Cities With the Most Stolen Cars in America
These cities have the highest rates of car theft in the entire country.
The Most Dangerous States for Driving
Drivers, beware: these 10 states are the most dangerous for driving in 2021.
10 States with the Best Drivers in 2022
These 10 states are home to the best drivers in 2022, bucking a recent trend of increased dangerous driving behavior across America.
The States With the Rudest Drivers in 2022
Drivers in these 10 states exhibit rude driving behavior at the highest rates in 2022.
The Car Models with the Most DUIs in 2021
These 10 car models have the drivers with the most DUIs in the nation over the past year.
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These Are the Best Cities for New Homebuyers in 2022
Insurify ranked the best city for new homebuyers in every state for 2022.
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These are the Most Affordable Cities to Buy a House in 2022
These 20 cities have the most affordable housing markets in 2022.
Notorious Nine: The Most Notorious Driving States of 2022
From DUIs to speeding, drivers in these 9 states consistently place the highest across national bad driver rankings.
The Cities with the Most DUIs in Every State in 2021
These cities have the highest DUI rates in their state this year. Did your city make the list?
The Super Bowl of Driving
Insurify analyzed traffic incident rates to determine which city -- Los Angeles or Cincinnati -- wins 2022’s Super Bowl of Driving
These are the Cities with the Most Aggressive Drivers in Every State
Aggressive drivers rule the roads the most in these cities. Did yours make the list?
Cities With the Most Reckless Drivers in Every State in 2021
Insurify identified the city in every state with the most reckless drivers in 2021.
The 10 Most Stolen Cars in America (Updated 2021)
These 10 cars are the most stolen vehicles in America according to a new report from Insurify.
Pickup Trucks With the Most Aggressive Drivers
Insurify ranked the top 5 pickup trucks whose drivers exhibit the most aggressive driving behavior.
Occupations with the Rudest Drivers in 2021
Insurify ranked the top 10 occupations whose drivers have the most rude driving violations on record.
Walker’s Paradise: The 20 Safest Cities for Pedestrians in 2021
Insurify ranked the 20 safest U.S. cities for pedestrians in 2021.
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The 5 Biggest Car Insurance Myths in 2022
Insurify tested over 1,000 American drivers on their car insurance knowledge. Here are the results.
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Cheapest Home Insurance for Older Homes
Westfield, Grange, and Erie are among the cheapest home insurance companies for older homes.
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Best Alaska Homeowners Insurance Quotes
Country Financial offers some of the cheapest homeowners insurance policies in Alaska, with monthly premiums starting at $92.
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Best Homeowners Insurance Companies in Hawaii
State Farm, Allstate, and USAA stand out for Hawaii homeowners thanks to local agent access and online tools.
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Best Homeowners Insurance Companies in Maine
Travelers, Allstate, and Chubb are some of the best and most affordable home insurance companies in Maine.
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Best Homeowners Insurance Companies in Massachusetts
Amica and USAA are among the best home insurance companies in Massachusetts.
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Best Homeowners Insurance Companies in Maryland
Travelers and USAA are among the cheapest home insurance companies operating in Maryland.
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What Is Coastal Home Insurance, and Who Needs It?
Coastal home insurance is a comprehensive set of insurance policies and endorsements that financially protect homes located in a high-risk area on or near the coast.
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Best Homeowners Insurance Companies in Missouri
USAA and State Farm are two of the top insurers for Missouri homeowners.
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Cheapest Arizona Homeowners Insurance Quotes
USAA offers some of the cheapest homeowners insurance policies in Arizona, with monthly premiums starting at $96.
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Cheapest Home Insurance Quotes
Metropolitan, American Family, and Cincinnati Insurance are the cheapest national home insurance companies.
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Best Homeowners Insurance Companies in Michigan
Allstate, Chubb, and State Farm are some of Michigan’s best home insurance companies. Protect your home from windstorms, ice, and other weather risks.
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Best Homeowners Insurance Companies in Mississippi
Amica, State Farm, and USAA offer affordable pricing and quality coverage to help Mississippi homeowners protect their most valuable investment.
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Best Homeowners Insurance Companies in Louisiana
Foremost, USAA, and State Farm offer some of the best homeowners insurance in Louisiana.
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Best Minnesota Homeowners Insurance Quotes
Farmers offers some of the cheapest homeowners insurance policies in Minnesota, with monthly premiums starting at $100.
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American Family Home Insurance Review: Ratings and Quotes
Coverage is available for homeowners, condo owners, and even renters in 19 states, with top industry and customer satisfaction ratings.
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Average Car Insurance Rates as of January 2025
National average car insurance rates held steady at the end of 2024, but some states saw big fluctuations.
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Average Car Insurance Rates as of December 2024
The national average cost of full-coverage car insurance dipped by $1 in November, while the liability-only average rose by the same amount.
Average Car Insurance Rates as of September 2024
The overall average monthly cost of car insurance edged down in August, ending the month at $150.