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Penny Gusner

Staff Editor

About

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 enjoys translating the complexities of insurance into easy-to-understand advice and tips to help consumers make the best choices for their needs. Her work has been featured in numerous major media outlets, including The Washington Post and Kiplinger’s.

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 helped launch CarInsurance.com, one of the first online insurance marketplaces. She went on to be a senior writer, consumer analyst and spokesperson for CarInsurance.com, Insurance.com and Insure.com.

Penny is an expert on insurance procedures, rates, policies and claims. She has been featured in numerous major media outlets, including The Washington Post and Kiplinger’s. Penny is a self-proclaimed data and research nerd. She likes sharing her knowledge and translating the complexities of insurance into easy-to-understand advice and tips to help consumers make smart choices.

Expertise

  • Buying the right insurance for your needs
  • Saving money on insurance
  • Car insurance
  • Homeowners insurance
  • Renters insurance

Achievements

  • Over two decades of experience in writing about insurance topics to help consumers.
  • Has extensive knowledge about auto, health, homeowners, renters insurance and more.
  • An expert in explaining how insurance laws, data, trends and coverages affect consumers.
  • Has been featured in major media outlets, such as The Washington Post and Kiplinger’s.

Education

Ambassador University, B.A.

  • How Much Car Insurance Do I Need?

    Each state has a minimum amount of car insurance you can buy to satisfy financial responsibility laws. Liability insurance is the primary requirement, covering damage and injuries you cause others in an auto accident. Common liability limits are $25,000 per...
    How Much Car Insurance Do I Need?
  • 7 Best Car Insurance Companies Of July 2025

    Car insurance doesn’t seem like a big deal—until something goes wrong. But which car insurance companies are there for you when the unexpected happens and which ones fall short when you need them most? We conducted an in-depth assessment of...
    7 Best Car Insurance Companies Of July 2025
  • Shelter Homeowners Insurance Review 2025

    We like that Shelter home insurance has a very low complaint ratio to state insurance departments. That can signify higher customer satisfaction. We also like that Shelter home policies may offer coverages not typically found in a standard home policy,...
    Shelter Homeowners Insurance Review 2025
  • Anthem Dental Insurance Review 2025

    Anthem’s Essential Choice PPO Platinum could be a good option if you want comprehensive coverage with out-of-network coverage. Essential Choice PPO Platinum pays a higher percentage than many competitors for basic care like fillings, major care like oral surgery, dental...
    Anthem Dental Insurance Review 2025
  • Ameritas Dental Insurance Review 2025

    While many competitors have waiting periods as long as 12 months for some types of dental services, Ameritas’ PrimeStar Complete has no waiting periods for its covered services. You can instead begin getting reimbursed immediately for the covered services. We...
    Ameritas Dental Insurance Review 2025
  • Does My Car Insurance Cover Rental Cars?

    Personal car insurance generally extends to rental cars with the same coverage limits and deductibles as your policy. Still, rental car insurance may be worthwhile for some drivers in certain situations. That’s why it’s prudent to know your rental car...
    Does My Car Insurance Cover Rental Cars?
  • Cheap Car Insurance In California 2025

    The Cheapest Car Insurance Companies in California for Good Drivers Cheap Car Insurance for 20-Year-Olds in California Young drivers in California can face steep insurance costs, especially if you’re not on a parent’s auto insurance policy. In California, these companies...
    Cheap Car Insurance In California 2025
  • Shelter Car Insurance Review 2025

    Shelter’s auto insurance has some good qualities, but overall it didn’t perform well in our analysis because of its notable lack of many coverage types and poor rates for many types of drivers. You won’t find accident forgiveness, a vanishing...
    Shelter Car Insurance Review 2025
  • BMW X5 Car Insurance Cost 2025

    Average auto insurance rate for a 40-year-old driver: $2,790 a year Most affordable insurance companies for BMW X5 auto insurance: Nationwide, USAA*, Travelers Cheapest state for X5 insurance: Vermont Highest-priced state for X5 insurance: Louisiana BMW X5 Insurance Rates by...
    BMW X5 Car Insurance Cost 2025
  • Best RV Insurance Companies Of 2025

    Progressive is the best RV insurance company, followed by American Family and Foremost, based on our analysis. We evaluated RV insurers nationwide and scored them on complaints, coverage options, claims processes and discounts. An RV allows you to enjoy the...
    Best RV Insurance Companies Of 2025
  • Best Luxury Car Insurance Companies Of 2025

    Travelers is the best car insurance company for luxury cars, according to our research. Nationwide and Erie are also among our top picks. We evaluated insurance companies countrywide based on their auto insurance rates, complaint level, coverage options and claim...
    Best Luxury Car Insurance Companies Of 2025
  • Kia Telluride Car Insurance Cost 2025

    Kia Telluride Insurance Rates by Company By getting car insurance quotes from several insurers, Kia Telluride owners can potentially save significant money each year. In our evaluation of top insurance companies, Nationwide was the lowest cost option for insuring a...
    Kia Telluride Car Insurance Cost 2025
  • Chrysler 300 Car Insurance Cost 2025

    Chrysler 300 Insurance Rates by Company Comparing car insurance rates from different providers can lead to considerable savings for 300 owners. Our analysis of large insurance companies found that USAA* has the lowest rates for a 300. The next most...
    Chrysler 300 Car Insurance Cost 2025
  • Chevrolet Bolt EV Car Insurance Cost 2025

    Chevrolet Bolt EV Insurance Costs by Company Drivers of Chevrolet Bolt EV vehicles could save a significant amount by comparing car insurance quotes from several companies. Our analysis of top insurers found that Travelers is the cheapest choice for insuring...
    Chevrolet Bolt EV Car Insurance Cost 2025
  • Infiniti Q50 Car Insurance Cost 2025

    Infiniti Q50 Insurance Rates by Company Drivers of Infiniti Q50 vehicles could save considerable money each year by comparing car insurance quotes from multiple companies. Our analysis of large insurers found that Erie is the cheapest choice for insuring a...
    Infiniti Q50 Car Insurance Cost 2025
  • Subaru Crosstrek Car Insurance Cost 2025

    Subaru Crosstrek Insurance Costs by Company Comparing car insurance rates from different insurance companies can lead to substantial savings for Crosstrek owners. Our evaluation of major insurance companies found that Travelers has the most cost-effective rates for a Crosstrek. The...
    Subaru Crosstrek Car Insurance Cost 2025
  • Toyota 86 Car Insurance Cost 2025

    Toyota 86 Insurance Costs by Company Comparing car insurance prices from different providers can lead to substantial savings for 86 owners. Our assessment of top insurance companies found that Erie has the most cost-effective rates for a Toyota 86. The...
    Toyota 86 Car Insurance Cost 2025
  • Lexus IS Car Insurance Cost 2025

    Lexus IS Insurance Costs by Company A basic strategy like comparing car insurance costs from several insurers could result in substantial savings for IS drivers. In our assessment of large insurance companies, Erie was the best choice for the cheapest...
    Lexus IS Car Insurance Cost 2025
  • Audi A3 Car Insurance Cost 2025

    Audi A3 Insurance Rates by Company Comparing car insurance costs from different providers can lead to decent savings for A3 owners. Our assessment of major insurance companies found that Erie has the most cost-effective rates for an A3. The next...
    Audi A3 Car Insurance Cost 2025
  • Toyota Tacoma Car Insurance Cost 2025

    Toyota Tacoma Insurance Costs by Company Drivers of Toyota Tacoma vehicles could save a significant amount by comparing car insurance quotes from multiple companies. Our analysis of leading insurers found that USAA* is the lowest-cost choice for insuring a Tacoma....
    Toyota Tacoma Car Insurance Cost 2025
  • Ford F-150 Car Insurance Cost 2025

    Ford F-150 Insurance Costs by Company Comparing car insurance rates from different insurance companies can lead to decent savings for F-150 owners. Our analysis of top insurance companies found that Erie has the most cost-effective rates for an F-150. The...
    Ford F-150 Car Insurance Cost 2025
  • Jeep Grand Cherokee Car Insurance Cost 2025

    Jeep Grand Cherokee Insurance Costs by Company A simple strategy like comparing car insurance quotes from several insurers could result in significant savings for Grand Cherokee drivers. In our assessment of large insurance companies, USAA* was the top choice for...
    Jeep Grand Cherokee Car Insurance Cost 2025
  • BMW M3 Car Insurance Cost 2025

    BMW M3 Insurance Costs by Company Comparing car insurance costs from different insurance companies can lead to substantial savings for M3 owners. Our analysis of major insurance companies found that Travelers has the most cost-effective rates for an M3. The...
    BMW M3 Car Insurance Cost 2025
  • Mazda3 Car Insurance Cost 2025

    Mazda3 Insurance Rates by Company A simple strategy like comparing car insurance quotes from different insurers could result in substantial savings for Mazda3 drivers. In our assessment of large insurance companies, USAA* was the leading choice for the most affordable...
    Mazda3 Car Insurance Cost 2025
  • Audi A4 Car Insurance Cost 2025

    Audi A4 Insurance Costs by Company Audi A4 owners can potentially save hundreds of dollars per year by comparing car insurance quotes among multiple insurers. Among the top insurance companies we analyzed, Progressive offers the cheapest car insurance for an...
    Audi A4 Car Insurance Cost 2025
  • Porsche Cayman Car Insurance Cost 2025

    Porsche Cayman Insurance Costs by Company By getting car insurance quotes from multiple insurers, Porsche Cayman owners can potentially save significant money each year. In our assessment of major insurance companies, Nationwide was the cheapest option for insuring a Cayman....
    Porsche Cayman Car Insurance Cost 2025
  • Nissan Maxima Car Insurance Cost 2025

    Nissan Maxima Insurance Costs by Company Drivers of Nissan Maxima vehicles could save a significant amount by comparing car insurance quotes from several companies. Our analysis of leading insurers found that USAA* is the most budget-friendly choice for insuring a...
    Nissan Maxima Car Insurance Cost 2025
  • Porsche 718 Boxster Car Insurance Cost 2025

    Porsche 718 Boxster Insurance Rates by Company By checking car insurance quotes from several insurers, Porsche 718 Boxster owners can potentially save hundreds of dollars each year. In our analysis of top insurance companies, Nationwide was the cheapest option for...
    Porsche 718 Boxster Car Insurance Cost 2025
  • Nissan Sentra Car Insurance Cost 2025

    Nissan Sentra Insurance Rates by Company A basic strategy like comparing car insurance rates from different insurers could result in significant savings for Sentra drivers. In our evaluation of top insurance companies, USAA* was the leading choice for the cheapest...
    Nissan Sentra Car Insurance Cost 2025
  • Toyota Prius Car Insurance Cost 2025

    Toyota Prius Insurance Rates by Company Prius drivers can potentially save significant money by comparing car insurance quotes among several insurers. Among the large insurance companies we evaluated, Erie offers the cheapest car insurance for a Prius. The next lowest...
    Toyota Prius Car Insurance Cost 2025

Top Picks From Penny Gusner

  • 7 Best Car Insurance Companies Of July 2025
    7 Best Car Insurance Companies Of July 2025

    by Penny Gusner

    Read More

  • Best Renters Insurance Companies Of 2025
    Best Renters Insurance Companies Of 2025

    by Penny Gusner

    Read More

  • Best Car Insurance For Teens And Young Drivers Of 2025
    Best Car Insurance For Teens And Young Drivers Of 2025

    by Penny Gusner

    Read More

About

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 enjoys translating the complexities of insurance into easy-to-understand advice and tips to help consumers make the best choices for their needs. Her work has been featured in numerous major media outlets, including The Washington Post and Kiplinger’s.