Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny ...

Insuring drivers since 1916, Michigan-based Auto-Owners Insurance has some of the lowest rates in the industry and has earned a spot on our top picks for liability-only insurance. We like its robust ...

If you drive fewer than 10,000 miles per year, a pay-per-mile or usage-based insurance plan could be right for you. Here are our favorites.