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The Top Car Insurance Companies

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When shopping for a policy, you should consider a company's costs, available discounts, customer service reviews, claims-filing process and financial strength. We used these factors to determine the best car insurance company overall, by state, as well as for specific driver profiles.

We recommend browsing our resources by your state, needs and what you value — whether you care more about customer service than cost, have a history of driving violations, are a young driver or drive a new car.

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2023

Best Car Insurance Companies for 2023

The Best Car Insurance Companies for 2023

To help you shop for car insurance, MoneyGeek ranked the best car insurance companies using a weighted ranking system based on several factors, including J.D. Power customer satisfaction ratings, financial stability ratings from AM Best and affordability. Using these metrics, MoneyGeek found that of the national insurers available to most shoppers, the best car insurance companies are GEICO and State Farm. GEICO received the highest marks in our scoring system for 23 out of 50 states and Washington, D.C., while State Farm ranked as the top company in 10 states.

Those just looking for the most affordable option can compare this list to our rankings of the cheapest car insurance companies.

Top Pick: GEICO (Average MoneyGeek Score: 4.1 / 5)

GEICO

pros

MoneyGeek's top-ranking insurer in 23 states and Washington, D.C.

Affordable full coverage policy with an average rate of $1,047 per year

Excellent marks for customer satisfaction and low complaints

Top grade for financial stability

cons

Does not offer new car replacement coverage, so drivers with brand new vehicles may want to look elsewhere

COMPANY HIGHLIGHTS

GEICO is an excellent choice across the country for those looking to balance service quality and affordability. Customer complaint rates are relatively low, satisfaction is above average and company rates are typically affordable. You may be able to get even lower rates considering that GEICO offers almost all the standard car insurance discounts, like bundling, multi-vehicle, safe driving and anti-theft technology discounts.

GEICO also has nearly all the common add-on coverages offered by insurance companies, such as roadside assistance, rental car reimbursement and accident forgiveness. And unlike most insurers, it offers mechanical breakdown insurance (MBI), a car warranty coverage option that covers car repairs after your car warranty expires.

However, GEICO might not be the best option for those with a brand new car. The company doesn't offer new car replacement coverage, which allows those with new models to be fully reimbursed for a brand new car after an accident. Without this, you'll only be reimbursed for the depreciated value of your vehicle.

Read MoneyGeek's GEICO Auto Insurance Review

Runner-Up: State Farm (Average MoneyGeek Score: 3.9 / 5)

State Farm

pros

Fewer complaints than GEICO, though both companies score well

Received the highest possible financial stability rating

cons

Not as affordable as GEICO, with a full coverage policy costing an average of $1,047 per year

Like GEICO, it doesn't offer new car replacement coverage

COMPANY HIGHLIGHTS

State Farm is the largest U.S. auto insurer by market share, offering affordable auto insurance with an excellent customer service reputation. In fact, it has a lower complaint rate than GEICO and may even be a cheaper option depending on where you live. You can save even more on your monthly bill by bundling with State Farm's home, condo or renter's insurance.

State Farm does not offer much in the way of unique coverages: you'll mostly find standard car insurance coverages and common add-ons such as roadside assistance and rental car expense coverage. Although it offers few unique perks, you're more likely to get good value with State Farm than most other major insurers. State Farm does offer rideshare insurance — coverage not available from all companies — making it a great choice for those who work for Uber or Lyft.

Like GEICO, State Farm doesn't offer new car replacement coverage, so it may not be the best option for those with brand new cars who are worried about getting value back if they get into an accident soon after their car purchase.

Read MoneyGeek's State Farm Auto Insurance Review
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The Top Car Insurance Company in Your State

Because insurance is regulated at a state level, MoneyGeek ranked the best car insurance in each state based on local pricing and regional J.D. Power scores. Excluding USAA, which is restricted to members of the military community, GEICO most frequently ranked as the best insurer in a state (23 times) and in Washington, D.C. State Farm, which ranked as the best insurer in 10 states, came in second. Erie, a regional insurer, is also an excellent option if you're in one of the 12 states where it does business.

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MoneyGeek Top Pick
GEICO

According to our data, GEICO offered the most widely available quality service and affordable rates throughout the United States — making it our top pick at a national level and, on average, for state-specific policies and needs. Though the best car insurance for you will depend on where you live, GEICO is the most likely to serve the best quality and affordable rates overall.

Click on your state to learn more about the best car insurance company where you live. It’s crucial to compare auto insurance products and quotes based on where you live because insurers may offer different rates, coverages and features across state lines.

The Best Car Insurance Companies by State - Excluding USAA
State
Top Company
MoneyGeek Score (out of 5)

Alaska

GEICO

3.8

Alabama

GEICO

4.2

Arkansas

GEICO

4.3

Arizona

GEICO

4.4

California

AAA

4.2

Colorado

GEICO

4.2

Connecticut

GEICO

4.5

Washington D.C.

GEICO

4.6

Delaware

GEICO

3.7

Florida

GEICO

4.1

Georgia

State Farm

3.9

Hawaii

GEICO

4.7

Iowa

GEICO

4.6

Idaho

State Farm

3.8

Illinois

Erie

4.4

Indiana

Erie

4.8

Kansas

American Family

3.8

Kentucky

State Farm

4.4

Louisiana

State Farm

4.0

Massachusetts

GEICO

4.5

Maryland

Travelers

4.3

Maine

GEICO

4.2

Michigan

Auto-Owners Insurance Co

4.4

Minnesota

Auto-Owners Insurance Co

4.3

Missouri

Allstate

4.0

Mississippi

GEICO

3.9

Montana

State Farm

4.1

North Carolina

Erie

4.4

North Dakota

GEICO

4.3

Nebraska

GEICO

4.5

New Hampshire

GEICO

4.1

New Jersey

New Jersey Manufacturers

4.6

New Mexico

State Farm

4.3

Nevada

GEICO

4.3

New York

State Farm

4.5

Ohio

Erie

4.5

Oklahoma

GEICO

4.6

Oregon

GEICO

3.8

Pennsylvania

Travelers

4.3

Rhode Island

Allstate

3.8

South Carolina

GEICO

4.4

South Dakota

State Farm

3.9

Tennessee

Erie

4.2

Texas

State Farm

4.3

Utah

GEICO

4.3

Virginia

Progressive

4.2

Vermont

Allstate

4.3

Washington

GEICO

4.1

Wisconsin

Erie

4.3

West Virginia

GEICO

4.2

Wyoming

State Farm

3.5

Compare the Best Car Insurance Companies by State

MoneyGeek's car insurance comparison tool can help you measure which company is the best fit for you where you live. Sort by service quality and affordability and find stats on the average cost per year, customer service rank and standout features in that state.

The Best Car Insurance Companies by Driver Profile

Car insurance companies use specific driver characteristics to calculate their rates. Companies may offer coverages that make them better for drivers with particular traits. Credit history, driving history and age are three of the most significant factors used to determine rates in most states.

We’ve provided our recommendations for the best car insurance companies for young drivers, drivers with poor credit and drivers with an at-fault accident on their records, all of whom are typically charged higher rates than the average driver.

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THE BEST CAR INSURANCE COMPANIES BY DRIVER PROFILE

Best Auto Insurance Company for Customer Service: Auto-Owners

If price is not as important for you as ensuring you’re going to get the best possible service when you need to file a claim, MoneyGeek found that Auto-Owners has the best combination of high satisfaction and low complaints. Using just these factors, Auto-Owners is the best insurer in 10 out of 50 states, more than any other company.

Top Pick: Auto-Owners Insurance (Average MoneyGeek Score: 4.5 / 5)

Auto-Owners and American National

pros

Exceptional customer service

Affordable rates in the states it does business in

Offers new car replacement for those who just bought a vehicle

cons

Only available in 26 states

Offers few unique coverages

COMPANY HIGHLIGHTS

Evaluations from J.D. Power indicate Auto-Owners has high customer satisfaction in the states where it's available. It also has a low customer complaint rate, as measured by the National Association of Insurance Commissioners. Additionally, Auto-Owners offers new car replacement coverage as an add-on. If you buy this, you won’t have to worry that your new car loses value as soon as you drive it off the lot.

Auto-Owners also ranks well for affordability and offers all the major discounts offered by most other insurers. Overall, it’s an excellent option — the only downside is that it's a super-regional insurer available in just 26 states.

Read MoneyGeek's Auto-Owners and American National Auto Insurance Review

Best Auto Insurance Company on a Budget: GEICO

If you’re on a budget and want to purchase the minimum car insurance required in your state with good customer service, MoneyGeek recommends GEICO.

Top Pick: GEICO (Average MoneyGeek Score: 4.2 / 5)

GEICO

pros

Cheap minimum coverage policies

Combines affordability with stellar customer service

A wide variety of discounts can help you save even more

cons

GEICO doesn't offer common payment discounts, such as savings for paying your policy in full or receiving bills electronically

COMPANY HIGHLIGHTS

If you weigh the cost of a minimum coverage policy while still accounting for customer service, GEICO won 29 of 50 states, according to MoneyGeek’s scoring system. A minimum coverage policy with GEICO costs an average of $513 per year while still providing its policyholders with a solid service experience.

Those looking to save even more with GEICO can take advantage of its discounts, especially if you want to save by bundling with home insurance or adding multiple cars to your policy. Drivers with anti-theft and passive restraint safety systems, such as airbags, will save even more. Finally, military members or those part of specific professional organizations or government entities may be available for even more discounts.

Read MoneyGeek's GEICO Auto Insurance Review

Best Auto Insurance Company for Young Drivers: Allstate

If you’re adding a young driver to your policy, there are several high-quality policy options available. Both GEICO and Allstate rank high in MoneyGeek’s scoring system for over 15 states for a policy with a young driver, but we picked Allstate as our winner, given that it offers a distant student discount and GEICO doesn’t.

Top Pick: Allstate (Average MoneyGeek Score: 3.7 / 5)

Allstate

pros

Makes it reasonably affordable to add a young driver to a policy

Low rate of complaints by current customers

Offers accident forgiveness and new car replacement coverages

cons

You won’t save much on your monthly bill

COMPANY HIGHLIGHTS

Adding teens or students to a car insurance policy can be extremely expensive. MoneyGeek found that Allstate strikes a blend of affordability and quality, with average premiums and a low rate of complaints.

Allstate is an excellent option if you’re letting your teen drive your new car. If you add new car replacement coverage, you can replace your vehicle with a completely new model after an accident, as long as the model is two years old or less. And, if you add accident forgiveness, you won’t have to worry about your insurance rate increasing after your teen’s first at-fault accident.

Read MoneyGeek's Allstate Auto Insurance Review
More About Car Insurance for Young Drivers

Best Auto Insurance Company for Military: USAA

There is a clear winner for the best car insurance for veterans, active-duty military personnel and their families: USAA. MoneyGeek found that USAA has a low rate of complaints, high customer satisfaction and some of the most affordable rates in the industry.

Top Pick: USAA (Average MoneyGeek Score: 4.9 / 5)

USAA

pros

Unparallelled service reputation

Cheap rates

cons

Only available to families in the military community

COMPANY HIGHLIGHTS

No company has a higher customer satisfaction rating than USAA, according to MoneyGeek’s analysis of regional J.D. Power ratings. Combine that with great rates, and USAA is likely to give you the best value for your money.

USAA does not offer many unique coverages, but it does have the most widely applicable ones, such as roadside assistance, rental car reimbursement and accident forgiveness. It is also a good option if you work for Uber or Lyft, as it offers rideshare insurance. USAA caters to all active-duty service members, with a hefty vehicle storage discount and, for young service members, savings if they were previously insured on their parent’s USAA policy.

Read MoneyGeek's USAA Auto Insurance Review

Best Auto Insurance Company for New Vehicles: Allstate

MoneyGeek recommends that those with new or expensive vehicles only opt for insurers that offer new car replacement or better car replacement coverages. Of the insurers meeting this standard, Allstate ranks top.

Top Pick: Allstate (Average MoneyGeek Score: 3.6 / 5)

Allstate

pros

Offers new car replacement coverage

Has a low rate of customer complaints

cons

Does not rank among the cheapest insurers

COMPANY HIGHLIGHTS

Allstate provides a balance of affordability and good customer service while giving its drivers the option to purchase new car replacement coverage.

A new car loses value very quickly after you buy it. If you get into an accident early in your car’s lifespan, your claim will reflect that depreciated value. However, if you purchase new car replacement coverage with an insurer like Allstate, the return on your claim will match the value of a brand new car, as long as the vehicle is less than two years old.

If you want to purchase coverage with Allstate but are concerned it’s not cheap enough, ask an Allstate agent about available discounts. You can save with many of the most common discounts: being a safe driver, bundling home and auto, anti-theft and having airbags and other safety features.

Read MoneyGeek's Allstate Auto Insurance Review

Best Auto Insurance Company for High-Risk Drivers: State Farm

High-risk drivers, including those who need SR-22 or FR-44 insurance, pay more for car insurance. Some insurance companies are better suited for drivers with violations on their motor vehicle record. If you’re a driver with a speeding ticket or at-fault accident on your record, MoneyGeek found that State Farm is usually the best option.

Top Pick: State Farm (Average MoneyGeek Score: 4.2/ 5)

State Farm

pros

Affordable for those with a violation on their record

Offers both roadside assistance and rental car reimbursement

cons

Does not offer accident forgiveness

COMPANY HIGHLIGHTS

In 22 states — more than any other company — State Farm has the best balance of affordability and service for high-risk drivers. A full coverage policy with State Farm after a speeding ticket costs an average of $1,503 a year, which is cheap compared to most insurance companies. And it doesn’t sacrifice its service reputation to achieve low rates.

Like most insurers, State Farm offers roadside assistance and rental car expense coverage. In the event that you do get into trouble on the road, these coverages can help you get back home and provide substitute transportation while your car is in the shop.

One downside is that State Farm does not offer accident forgiveness, which is a good coverage to purchase if you think you’re likely to get into an at-fault accident and is offered by most other major insurers.

Read MoneyGeek's State Farm Auto Insurance Review

Best Auto Insurance Company for Low Mileage Drivers: Metromile

Low mileage discounts are relatively rare and tend to be quite minor. If you barely drive, the best way to save may be with a pay-per-mile insurance company such as Metromile. MoneyGeek found that pay-per-mile insurance can be worth it if you only tend to drive a few miles per day.

MoneyGeek's Top Pick: Metromile

Metromile Auto

pros

Among the most affordable insurers, if you drive very little

Offers roadside assistance and rental car reimbursement like most traditional insurers

cons

Expensive for those who commute or regularly drive for pleasure

Only available in eight states

COMPANY HIGHLIGHTS

Because premiums are charged based on how many miles you drive, Metromile is an excellent, cost-saving option for those who don't drive often. Currently, it’s the only insurance company wholly specialized in pay-per-mile insurance.

However, the company does have a high rate of customer complaints. As traditional insurance companies enter the market for pay-per-mile insurance, it may make sense to try some of their programs, such as Nationwide's SmartMiles and Allstate's Milewise, which are expanding their availability.

Read MoneyGeek's Metromile Auto Auto Insurance Review

Best Auto Insurance Company for Unique Coverages: Liberty Mutual

At the end of the day, many car insurance companies offer coverages required by state law and little more. But some car insurance companies go the extra mile to offer extra coverages that tailor to unique drivers and situations. MoneyGeek found that Liberty Mutual has eight coverages that are rarely or only occasionally offered by other companies.

MoneyGeek's Top Pick: Liberty Mutual

Liberty Mutual

pros

Offers original equipment manufacturer (OEM) coverage, ensuring your vehicle repair will meet quality standards

Gives you the option to buy better car replacement coverage, meaning you can get a better car if something happens to your current car

cons

Run-of-the-mill service reputation and affordability

COMPANY HIGHLIGHTS

Liberty Mutual offers eight unique insurance coverages: new car replacement, better car replacement, accident forgiveness, gap insurance, diminishing deductible, original equipment manufacturer coverage (OEM), auto death indemnity coverage and disability coverage.

MoneyGeek highlights OEM as particularly useful. With this coverage, damaged parts are replaced like-for-like with parts from the original manufacturer, meaning you get the highest quality repairs.

Beyond unique coverages, Liberty Mutual offers all the common coverages other insurers do, such as roadside assistance and rental car reimbursement. If you get a policy with Liberty Mutual, you’ll know you can get coverage for most events that can happen on the road. The downside is that Liberty Mutual doesn’t have the cheapest rates or the highest customer service scores.

Read MoneyGeek's Liberty Mutual Auto Insurance Review
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Steps to Find the Best Car Insurance Company

Finding the best car insurance for you will depend on your priorities. If you want to save money, you might opt for the insurer that gives you the cheapest quote. If you want the security of knowing your insurer will pay your claims timely and efficiently, you might choose the company with the best customer service reputation in your region.

We believe all drivers can get the best of all worlds: an affordable company with a strong service experience and the coverages they need. You can find the top company for you by taking a few key steps.

1

Research Customer Service Reputations

Browse our reviews to find claims and user satisfaction ratings to get a sense for how policyholders feel about a given company. You can also check your state’s department of insurance website to see how many complaints have been lodged about a company. MoneyGeek highly recommends starting with our recommendations for the top companies in your state.

2

Compare Real Quotes from Insurers

Once you’ve narrowed down a list of companies that have quality service, you should go get a quote from that company. Our rankings for the cheapest companies are a great guide as to which companies are most affordable on average, but the cheapest for you may be different because of your unique driver characteristics. Be sure to incorporate all possible discounts into your quote.

3

Make Sure the Company Has Coverages You Want

Almost all insurance companies will offer you the core car insurance coverages, such as liability insurance and comprehensive and collision insurance. But if you want a car insurance company that offers additional benefits, like roadside assistance or accident forgiveness, you should be certain that it’s part of your policy package.

4

Double Check Financial Stability Ratings

If you’re risk-averse, you might want to check an insurer’s financial strength rating. In the unlikely event an insurer is declared insolvent, it may be unable to pay your claim. The industry standard for financial strength ratings is A.M. Best. Companies with an A+ or A++ from A.M. Best are the most secure.

The Best Company for You Has a Strong Customer Service Reputation

You can take many steps to determine which insurance company has the best customer service for you.

  • Examine our claims and customer satisfaction ratings.
  • Read our in-depth reviews of insurance companies.
  • Read market research from authoritative sources such as J.D. Power and AM Best.
  • Look up customer complaint ratings on the website of your state department of insurance or of the National Association of Insurance Commissioners.

MoneyGeek’s claims and customer satisfaction ratings incorporate J.D. Power data to score insurance companies against each other, so you can easily see how they score out of a maximum of five points for each category. And our MoneyGeek scores incorporate all other factors you should consider while shopping so that you get the full picture of how a company stacks up.

If you want to do your own research, J.D. Power releases an overall auto insurance satisfaction study and a claims satisfaction study each year. You can also read AM Best reports that review a company's financial stability. And if you want to dig deep into the data, your state department of insurance website has public data on how much consumers complain about insurance companies in your state. Insurers with lower complaint rates are more likely to have a strong service experience.

Compare Quotes From the Best Companies to Get Value For Your Money

Once you’ve narrowed down the companies with strong customer service reputations, you should compare quotes among them. Insurance companies use a variety of factors to calculate your rate. As a result, you could find that two companies have very similar customer service reputations but quote you at vastly different rates.

You should also make sure that your quotes incorporate all available discounts, as these can have a sizable effect on what you pay. For instance, one insurance company may offer more discounts for car safety features, so drivers with a lot of safety technology may get a comparably cheaper quote. Discounts usually come in four forms: driving record discounts, driver profile discounts, policy discounts and car safety discounts.

  • Driving record: Discounts for having a clean motor vehicle record, driving infrequently or taking driver safety courses.
  • Driver profile: Discounts for achievements outside of driving, such as students who get good grades, or for membership in professional or government organizations.
  • Policy: Discounts for bundling with other insurance policies or for how you pay for your policy, such as paying in full for the entire policy term or paying via electronic funds transfer (EFT).
  • Vehicle: Discounts for safety devices on your car, such as anti-theft technology or anti-lock brakes.

When you are confident you’re only getting quotes from quality insurers, you can save money by buying a policy from the company that offers you the best cheap quotes.

The Best Insurance Company for You Has All the Coverages You Want

Almost all insurance companies will offer the following core coverages:

  • Bodily injury liability insurance
  • Property damage liability insurance
  • Collision and comprehensive insurance (also called full coverage)
  • Personal injury protection or medical payments coverage
  • Uninsured or underinsured motorist insurance for both bodily injury and property damage

If you’re looking for additional coverages — such as accident forgiveness, mechanical breakdown insurance (MBI) or rideshare insurance — you should make sure a company offers it in your state before comparing quotes. Most major companies offer similar types of coverage, but there are some unique differences among them.

The Best Insurance Companies are Financially Stable

Finally, ensure that the company responsible for your policy is financially stable. Our MoneyGeek score incorporates financial strength ratings from AM Best, which measures companies’ ability to meet claims-paying obligations.

Most major insurance companies have excellent or superior ratings from AM Best. But if you’re shopping with a more local or regional insurer, check their financial strength rating before purchasing a policy. If you’re risk-averse and want to avoid the small chance that problems with your insurance company could affect your claims, it may be best to stick with a company in top-tier financial condition.

What If You Can't Get Car Insurance?

Although most states require vehicle owners to carry insurance, not everyone can get it, at least not through the regular channels. Because of their past driving records, some people may be unable to obtain insurance from a standard auto insurer. Others may simply not be able to afford car insurance. In these cases, there may be state programs available to help.

State-Sponsored Auto Insurance Programs for High-Risk Drivers

While some companies offer individual car insurance policies to high-risk drivers, many prefer not to. Instead, states require all insurance companies to participate in a program that pools these kinds of drivers. These state-backed insurance pools are created to share the possible losses of insuring high-risk drivers; companies participate in proportion to the amount of business they do in the state. If your driving record is spotty, this program may help you obtain coverage. Your premium is likely to be very high. Check with your state insurance department to learn more.

Low-Cost Insurance Programs

Some states, including California, Hawaii and New Jersey, provide affordable public insurance to people who can't afford to buy a private company's car insurance policy. These programs are designed to discourage uninsured motorists from taking to the road, which is a distressingly common occurrence. To qualify, vehicle owners must meet income-eligibility requirements. For further information, check with your state insurance department.

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MONEYGEEK EXPERT TIP

If standard auto insurers decline coverage because of your motor vehicle record, consider getting quotes from private companies that cater to high-risk drivers, such as The General.Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Frequently Asked Questions About Car Insurance

It’s not easy to find a car insurance company that’s a perfect match for your situation. However, with a few minutes of research, you can ensure you’re on the right track. Here are some of the most common questions posed by those looking for quality car insurance.

Expert Advice on Finding the Best Car Insurance Company for Your Needs

Many factors can affect your auto insurance rates. MoneyGeek gathered advice from professionals to help you make an informed decision when purchasing auto insurance.

  1. How does car insurance differ from other types of coverage and why is it so important for drivers?
  2. How should drivers balance risk management and affordability when it comes to car insurance?
  3. What can consumers do to better educate themselves on car insurance policies, coverage and pricing?
  4. Auto insurance premiums are set based on a variety of information such as driving record, location and credit history. What challenges do consumers face in this type of pricing structure? How can drivers meet or manage these challenges?
Demissew Ejara, Ph.D.
Demissew Ejara, Ph.D.

Associate Professor of Finance at The University of New Haven

Michael Peek, CFP®
Michael Peek, CFP®

Advisor on the Gast Freeman Team at Moneta

Emily Goenner Munson
Emily Goenner Munson

Assistant Professor of Business Communications at St. Cloud State University

Ramon DeGennaro
Ramon DeGennaro

HCB Professor of Banking and Finance at The University of Tennessee, Knoxville

Angelo DeCandia
Angelo DeCandia

Instructor at Touro University

Bob G. Wood, Ph.D.
Bob G. Wood, Ph.D.

Professor of Finance at University of South Alabama

Dr. Joseph G. Eisenhauer
Dr. Joseph G. Eisenhauer

Dean of the College of Business Administration at the University of Detroit Mercy

Frederick Floss, Ph.D.
Frederick Floss, Ph.D.

Professor of Economics and Finance

Dr. Mikhail Kouliavtsev
Dr. Mikhail Kouliavtsev

Department Chair and Professor of Economics and Finance at Stephen F. Austin State University

Dr. Robert J. Thompson, CHA, TMP
Dr. Robert J. Thompson, CHA, TMP

Assistant Professor of Business, William Carey University, U.S.A.

Wayne Miller
Wayne Miller

Adjunct Professor, Wayne Law at Wayne State University and COO, Miller & Tischler P.C.

Floyd Ormsbee, Ph.D.
Floyd Ormsbee, Ph.D.

Asst. Prof. of Consumer & Organizational Studies, Assoc. Dean of Undergraduate Programs & Operations, David D. Reh School of Business, Clarkson University

Nicolas Jankuhn
Nicolas Jankuhn

Assistant Professor of Marketing at the University of Southern Indiana

Salil K. Sarkar, PhD, CFA
Salil K. Sarkar, PhD, CFA

Professor of Finance, Coordinator, Doctoral Finance Program at The University of Texas at Arlington

Evan Curry
Evan Curry

Managing Partner at Curry Coaching & Training

Leo Chan, Ph.D.
Leo Chan, Ph.D.

Associate Professor of Finance at Utah Valley University

J. Carlos Martinez
J. Carlos Martinez

Faculty School of Business, Hospitality and Global Trade (Eastfield)

Brandon Gregg
Brandon Gregg

Market President and Financial Advisor at BBK Wealth Management

Joe Roberts, Ph.D.
Joe Roberts, Ph.D.

Director, Center for Innovation and Professional Development at Webster University

Justin Staebler
Justin Staebler

SVP Personal and Life Insurance at Johnson Financial Group

Dr. Yibing Du
Dr. Yibing Du

Clinical Assistant Professor at The University of Texas at Arlington

Charles Yang, Ph.D.
Charles Yang, Ph.D.

Kaye Insurance Research Fellow in Insurance and Professor at Florida Atlantic University

Dr. Andrew Burnstine
Dr. Andrew Burnstine

Associate Professor of Marketing at Lynn University

Dr. Brandon Di Paolo Harrison
Dr. Brandon Di Paolo Harrison

Assistant Professor of Accounting at Austin Peay State University

P.J. Miller
P.J. Miller

Partner & Independent Insurance Agent at Wallace & Turner Insurance

Laura D. Adams
Laura D. Adams

Insurance & Finance Analyst at Clearsurance

Sharon Lassar
Sharon Lassar

John J. Gilbert Endowed Professor and Director, School of Accountancy at the University of Denver

Biwei Chen
Biwei Chen

Assistant Professor of Economics at Binghamton University

Talaya Scott
Talaya Scott

Accounting Professor at Milwaukee Area Technical College

Dr. Chandan Kumar Jha
Dr. Chandan Kumar Jha

Assistant Professor of Finance, Madden School of Business, Le Moyne College

Dr. Shyam Sunder
Dr. Shyam Sunder

Professor of Accounting, Economics, and Finance at the Yale School of Management

Joseph Farizo
Joseph Farizo

Assistant Professor of Finance at the Robins School of Business at the University of Richmond

Alice Tsang
Alice Tsang

Professor in the Practice of Economics and Business at Gordon College

Khai Zhi Sim
Khai Zhi Sim

Assistant Professor, Economics and Finance at Eastern Connecticut State University

Heejung Park
Heejung Park

Assistant Professor of Marketing at Northern Michigan University

Elizabeth Cooper
Elizabeth Cooper

Professor of Finance at La Salle University

Dr. HanNa Lim
Dr. HanNa Lim

Assistant Professor at Kansas State University

David Pimentel
David Pimentel

Associate Dean for Faculty Development and Professor of Law at The University of Idaho

Eric Young
Eric Young

Visiting Assistant Professor of Economics at Loyola Marymount University

Richard Peter
Richard Peter

Associate Professor of Finance - Tippie College of Business at The University of Iowa

Albert Williams
Albert Williams

Associate Professor and Chair of Finance and Economics at Nova Southeastern University

Dr. Doris Sikora
Dr. Doris Sikora

Optional Retirement, Associate Professor, Family and Consumer Sciences Education at Western Kentucky University

Dr. Michael Barnes
Dr. Michael Barnes

Assistant Professor of Accounting at Truman State University

Marc Kalan
Marc Kalan

Associate Professor of Professional Practice at Rutgers Business School

Dr. Puneet Prakash
Dr. Puneet Prakash

Baker Chair of Risk Management and Insurance at Missouri State University

Joseph Ruhland
Joseph Ruhland

Associate Professor of Risk Management and Insurance at Georgia Southern University

Stuti Jha
Stuti Jha

Assistant Professor of Economics at Rowan University

Nick Kapatos
Nick Kapatos

Professor of Practice in Risk Management and Insurance at The University of Houston

Dr. Derek Stimel
Dr. Derek Stimel

Associate Professor of Teaching Economics at the University of California, Davis

Dr. Lars Powell
Dr. Lars Powell

Director & Senior Research Professional at The Alabama Center for Insurance Information and Research at The University of Alabama

Lealand Morin, Ph.D.
Lealand Morin, Ph.D.

Assistant Professor of Economics at the University of Central Florida

David Marlett
David Marlett

Managing Director of Brantley Risk and Insurance Center, IIANC Distinguished Professor of Insurance at Appalachian State University

Hank Bahr
Hank Bahr

Adjunct Lecturer at Haslam College of Business at The University of Tennessee, Knoxville

Joel Morse
Joel Morse

Professor of Finance, Department of Finance and Economics at the University of Baltimore

Laura Lamontagne
Laura Lamontagne

Assistant Professor, Economics, Framingham State University

Carlo Silvesti
Carlo Silvesti

Adjunct Professor of Accounting at Gwynedd Mercy University

Michael McCloskey
Michael McCloskey

Associate Professor, Fox School of Business, Temple University

Robert Hartwig
Robert Hartwig

Clinical Associate Professor, Finance Department and Director, Center for Risk and Uncertainty Management; Darla Moore School of Business; University of South Carolina

Thomas M. Spade, CPA
Thomas M. Spade, CPA

Senior Instructor of Accounting, College of Charleston

John Malindretos
John Malindretos

Professor of Finance in the Cotsakos College of Business at William Paterson University

Jeffrey Diamond
Jeffrey Diamond

Adjunct Professor at Atlanta's John Marshall Law School

Richard Alderman
Richard Alderman

Director, Consumer Law Center at the University of Houston, Professor Emeritus

Sampath Kumar
Sampath Kumar

Professor of Marketing for the Austin E. Cofrin School of Business at UW-Green Bay

Craig Seidelson
Craig Seidelson

Assistant Professor of Operations and Supply Chain Management at the School of Business, University of Indianapolis

Deanne Butchey
Deanne Butchey

Teaching Professor, Department of Finance at the College of Business, Florida International University

Yongqing Wang
Yongqing Wang

Professor at the University of Wisconsin-Milwaukee

Tae-Nyun Kim
Tae-Nyun Kim

Associate Professor of Finance at The College of New Jersey School of Business

Dr. Brock Zehr
Dr. Brock Zehr

Associate Professor Business & Economics at Huntington University

John Lapointe
John Lapointe

Vice President at Lapointe Insurance

Coby Cress
Coby Cress

Wealth Advisor, CFP® at Beacon Pointe Advisors

Jing Ai
Jing Ai

Professor of Finance, Risk Management and Insurance at the University of Hawaiʻi

Josh Hastings
Josh Hastings

Personal Finance Writer

John Espenschied
John Espenschied

Agency Owner of Insurance Brokers Group

Lawrence Delva-Gonzalez
Lawrence Delva-Gonzalez

Owner of The Neighborhood Finance Guy

Ryan Stueber
Ryan Stueber

Agency Founder of PNW Insurance Group

Clint Haynes
Clint Haynes

President, Certified Financial Planner® at NextGen Wealth

Michael McGuinness
Michael McGuinness

Associate Professor, Economics and Business at Saint Anselm College

Tiffany Grant
Tiffany Grant

Owner & Financial Wellness Facilitator

Suman Banerjee
Suman Banerjee

Associate Professor of Finance, School of Business at Stevens Institute of Technology

Yutong Xie
Yutong Xie

Assistant Professor of Finance at The College of New Jersey

Dr. Craig R. Erwin
Dr. Craig R. Erwin

Associate Professor Management at Eastern Connecticut State University

Roc Starks
Roc Starks

Associate Teaching Professor at Bowling Green State University, CIC, CRM, ARM, MBA

Scott W. Hegerty
Scott W. Hegerty

Associate Professor of Economics at Northeastern Illinois University

Dr. Jose Mendoza
Dr. Jose Mendoza

Assistant Professor in Marketing, Jack Welch College of Business & Technology at Sacred Heart University

Dr. Cara Peters
Dr. Cara Peters

Professor of Marketing at Winthrop University

Kelan Kline
Kelan Kline

Personal Finance Expert and Owner of The Savvy Couple

David B. Stewart, Ph.D.
David B. Stewart, Ph.D.

Associate Professor of Finance at Winston-Salem State University

Michael Omansky
Michael Omansky

Associate Professor, Felician University, School of Business and Information Sciences

Kevin Croft
Kevin Croft

EMC Associate Professor of Practice at Drake University

Harold Weston
Harold Weston

Clinical Associate Professor of Risk Management and Insurance at Georgia State University, Robinson College of Business

Dr. Christopher Newman
Dr. Christopher Newman

Associate Professor of Marketing at The University of Mississippi

Dr. Ali Enami
Dr. Ali Enami

Assistant Professor, Economics at The University of Akron

Peter Kochenburger
Peter Kochenburger

Associate Clinical Professor Law, Deputy Director, Insurance Law Center at The University of Connecticut

Chigozie Andy Ngwaba
Chigozie Andy Ngwaba

Assistant Professor of Economics and Director of the Actuarial Science Business Program at Bradley University

Dr. Jia Li
Dr. Jia Li

Associate Professor at the School of Business, Wake Forest University

Joshua Smith, PhD
Joshua Smith, PhD

Assistant Professor of Economics at Trevecca Nazarene University

Phil Stuczynski, M.B.A.
Phil Stuczynski, M.B.A.

Lecturer in Business and Finance at Penn State Behrend

Ryan Lee
Ryan Lee

Assistant Professor of Economics at the University of La Verne

Inho Suk
Inho Suk

Ph.D., Associate Professor, School of Management at the University at Buffalo

S. Abraham Ravid
S. Abraham Ravid

Sy Syms Professor of Finance, Sy Syms School of Business at Yeshiva University

Jeremy Greiner
Jeremy Greiner

Vice President/Agent at Heritage Insurance & Real Estate

Taylor Jessee
Taylor Jessee

CPA, CFP® and founder of Impact Financial

Ali Zeytoon-Nejad, Ph.D
Ali Zeytoon-Nejad, Ph.D

Visiting Assistant Teaching Professor at Wake Forest University, School of Business

Maclyn L. Clouse, PhD
Maclyn L. Clouse, PhD

Sorenson Distinguished Professor of Finance at the University of Denver

Jamie Lambert
Jamie Lambert

Associate Professor of Instruction at Ohio University

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About Rachael Brennan


 Rachael Brennan headshot

Rachael Brennan is a professional freelance writer. She has been published on a number of websites, including Adweek, Glamour and Cracked. She has also worked in the insurance industry for more than a decade, earning her P&C license in all 50 states and her life, health and AD&D license in New York and the surrounding states. You can follow her on Twitter @rachaelbwriter.


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