A policy from State Farm costs just $10 per month, on average, for $30,000 of personal property coverage. That's less than half the Arizona state average of $28 per month.

Unlike traditional rental car companies, Turo doesn't own cars. It lets customers book a car directly through its owner. Here's what you need to know.

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.