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Most states require licensed drivers to carry auto liability insurance — and for good reason. Liability coverage helps pay for the damages to other people involved in a car accident if it’s determined you were responsible.

State law may leave it up to the individual to decide if they want to carry the kind of insurance that will help pay to repair their own wrecked car or injured body. But in most cases, drivers won’t have an option when it comes to liability coverage.

Since your automobile could cause physical or material harm to others, you’ll generally be expected to carry enough insurance to cover those potential costs or, in some states, provide proof of financial responsibility.

What Is Liability Car Insurance?

If you’re found at fault — or “liable” — for an accident, liability insurance helps pay the other driver’s expenses.

There are several other types of car insurance coverage available to drivers, so it’s easy to get them confused. Collision coverage, for example, pays to repair damage to your own car after an accident. And comprehensive coverage helps pay for damage to your car that’s caused by other factors, such as hail, a fire, or theft.

Auto liability insurance is all about the other guy. It’s not there to cover your costs or the costs of anyone who was riding in your car when the accident occurred.

Recommended: How Much Auto Insurance Do I Really Need?

What Costs Does Liability Insurance Cover?

In general, there are two types of liability insurance offered on most standard policies:

Bodily Injury

This type of liability coverage protects the at-fault driver by paying for the other person’s emergency and continuing medical expenses related to the accident. It also might cover loss of income or funeral costs, or legal fees if there’s a lawsuit.

Property Damage

Property damage liability coverage helps pay for repairs to the other person’s car or other property (their home, a business, a fence, a bicycle, etc.) when the policyholder causes an accident.

Are There Limits on What an Insurer Will Pay?

Yes. The amount an insurer will pay for a claim depends on the coverage limits a policyholder chooses. Note that the amount of coverage you’re required to carry varies from state to state, and you might choose to purchase a higher level of coverage than your state mandates.

Coverage caps are usually broken down into three categories:

Bodily Injury Liability Limit Per Person

This is the maximum amount an insurer will pay out for each individual who is injured in a car accident (other than the at-fault driver who is the policyholder).

Bodily Injury Liability Limit Per Accident

This is the maximum amount an insurer will pay overall for medical expenses if multiple people are hurt in an accident. Again, it does not include medical costs for the at-fault policyholder.

Property Damage Liability Limit

This is the maximum amount an insurer will pay to repair any damage a policyholder caused to another person’s property. Any amount over that limit will likely be the responsibility of the policyholder.

How Much Liability Insurance Should a Driver Have?

You cannot buy less than the minimum amount of liability insurance your state legally requires. But some states require significantly less coverage than others.

For example, the minimum liability insurance requirements in California are $15,000 for injury/death to one person, $30,000 for injury/death to more than one person, and $5,000 for damage to property.

But the minimum requirements in Maine are more than twice those amounts: $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $25,000 for property damage. (A combined single limit of $125,000 will also satisfy the minimum limit requirement in Maine.)

General recommendations from the insurance industry suggest consumers purchase at least $100,000 of bodily injury liability per person and $300,000 per accident.

Keep in mind that when you’re shopping, you may not be able to choose standalone limits for each category of liability coverage. Most insurers set their coverage limits as part of a package, and you may have to make your purchase from those pre-established plans.

For example, a 25/50/10 policy would set the bodily injury limit per person at $25,000, the bodily injury limit per accident at $50,000, and the property damage limit at $10,000. Any costs that exceed those set amounts would be the responsibility of the policyholder.

Some people also consider purchasing an “umbrella” policy that would cover any excess costs if liability limits are exhausted. This type of policy can help protect you from large liability claims or judgments if you’re sued. And your umbrella policy may cover you as well as other members of your family or household.

According to the Insurance Information Institute, the average cost of a claim after a private passenger car accident in 2020 was $20,235 for bodily injury and $4,711 in property damage. But a claim could go much higher, if there are multiple victims, for example, or if there are serious injuries or someone is killed.

Recommended: What Is the Average Monthly Cost of Car Insurance by Age in the U.S.?

What’s the Difference Between Full Coverage and Liability Only?

An auto insurance policy that includes liability, collision, and comprehensive coverage is sometimes called “full coverage,” because it covers both your costs and the costs of others involved in an accident.

Most states require liability coverage. But if your car is paid off, your state may not require collision (which helps to repair or replace a car that’s damaged in an accident) or comprehensive (which pays if the car is stolen or damaged by fire, vandalism or some other non-collision scenario).

And if your car isn’t worth much, you might decide to forgo one or both when purchasing car insurance. If your car is financed, however, the lender could require full coverage even if the state doesn’t.

Some states also may require other types of coverage:

•   Uninsured motorist and underinsured motorist coverage can help cover your medical expenses if you’re in an accident with a driver who has little or no insurance.
•   Uninsured motorist property damage coverage can help repair damage to your car if you are hit by an uninsured motorist.
•   Personal Injury Protection (PIP) and/or Medical Payments (MedPay) can offer protection if you or your passengers are hurt or killed in an accident.

Do You Need Liability Coverage If You Live in a No-Fault State?

A dozen states have instituted “no-fault” laws for drivers. Coverage rules and limits may vary from state to state, so you should be clear on the specifics of what your state requires.

Generally, when you live in a no-fault state and you’re in a car accident, everyone involved files a bodily injury claim with their own insurance company, regardless of who was at fault. Still, every no-fault state requires some level of liability coverage.

Drivers in no-fault states also typically must have Personal Injury Protection (PIP) insurance included in their car insurance policy to cover their own potential medical bills and expenses. PIP plans cover medical expenses for the car’s driver and passengers, which can include hospital bills, medication, rehabilitation, and other injury-related costs.

PIP insurance doesn’t replace bodily liability coverage in every state, and it doesn’t cover property damages. Your insurance company pays for repairs to your car if you have collision coverage. Or you may have to make a property damage claim against the at-fault driver’s insurance.

What If You Have an Accident in Another State?

Ready for a road trip? If you have an accident, your liability insurance may increase to match the minimum limits in whatever state you’re in, and in Canada. But you may want to check with your insurance company if you like to travel, especially if you have a bare-bones policy.

What’s Covered If Someone Else Is Driving Your Car?

The short answer is that the auto insurance covering the vehicle, not the person driving, is usually considered the primary insurance. So if you let someone else drive your car and that person causes an accident, your insurance company probably would be responsible for paying the claim.

Your liability coverage wouldn’t pay the medical bills of the person driving your car or the repairs to your car, although those costs may be covered by other parts of your policy. But it likely would be your liability insurance that pays for the driver of the other car’s medical bills and property damage.

Again, state laws may affect who is responsible in this situation, so it can help to know the rules before letting someone else drive your car.

How Much Does Liability Coverage Cost?

The price you’ll pay for liability coverage could be based on several factors, including how much you buy and where you live. Your age may also play a factor — younger drivers may pay more for coverage, for instance. You can do a little online shopping to search the best rates for your area.

But a better question might be “How much will it cost to bump up my liability insurance beyond the state-mandated minimums?” Getting twice as much coverage won’t necessarily cost twice as much. If the price fits your budget, you may want to consider carrying more coverage than the law requires.

Upping coverage might increase your comfort level, considering the expenses that might be involved in a major accident, even if you have insurance. The extra coverage may cost more, but if you’re a safe driver you may qualify for better rates. You can research car insurance online and compare quotes to find one that fits your budget.

The extra coverage may cost more, but if you’re a safe driver you may qualify for better rates.

The Takeaway

If you’re held responsible for a car accident, liability insurance will help pay the expenses of the others involved. Most states mandate this coverage, including “no-fault” states. But the amount of coverage you must carry may vary from state to state, so when you’re researching automobile insurance, it can be useful to know your state’s rules.

Shopping around for insurance in your area can help you figure out how much coverage you really need and what your premium might be. SoFi’s online auto insurance comparison tool lets you see quotes from a network of insurance providers within minutes, saving you time and hassle.

Insurance not available in all states.
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Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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The “City of Angels” is known around the world for Hollywood and the movie business. If you’re visiting Los Angeles for Hollywood-related things, there’s plenty to keep you occupied, like the Hollywood Walk of Fame and celeb-spotting on Rodeo Drive. However, L.A. has so much else to offer too, like beautiful beaches, inspiring hikes, and fantastic museums.

I visit Los Angeles regularly for work and to visit family, and I’ve gotten to know the place pretty well. Here are my recommendations for where to go and what to do.

Best Times to Go to Los Angeles

The best times to go to La La Land are in the fall (Sept through Nov) and spring (March through May), when the weather is mild and the air quality is better. Fall and spring are also less popular times for tourists in Los Angeles, which means it will be less crowded and less expensive. If you’re looking at how to save money on hotels, this may be a good time to visit the city.

Bad Times to Go to Los Angeles

Generally, winter and summer travel are the worst times to go to Los Angeles. It’s still California, so it doesn’t get too cold, but it can be dreary and rainy from January to March. The winter of 2022 and 2023 brought especially heavy (but much needed) rains. May through September can be both hot and crowded with tourists in Los Angeles.

Average Cost of a Los Angeles Vacation

In general, a vacation to Los Angeles can be pretty expensive, especially if you’re coming from a more affordable part of the country. Food and drinks, attraction tickets, rideshares, and gas can also be pricey.

Hotel prices can also be more expensive, but you do have a lot of options for where to stay. Fun and convenient neighborhoods to stay in while visiting Los Angeles includeVenice Beach, West Hollywood, Santa Monica, Beverly Hills, and more. Of course, hotel prices will vary by location, the time of year you visit, how fancy the hotel is, and other factors. For a weekend in October, for example, hotels in Santa Monica will cost $200–$300 a night, while hotels in West Hollywood will cost $200–$350 a night. The same hotels in July can cost an extra $50–$100 a night.

If you’re budgeting for a trip, you should think about where to keep travel funds. Although “book now pay later” travel options may be tempting, it’s more financially responsible to save money ahead of time so that you don’t pay extra in interest.

Just in case you have to cancel your trip, you might want to look into travel insurance. Certain credit cards may provide travel insurance in certain situations. You should understand how credit card travel insurance works when deciding whether to purchase private travel insurance or use your credit card protections.

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10 Fun Must-Dos in Los Angeles

Los Angeles covers a huge, sprawling area, with a great diversity of things to do. We chose a mix of beaches, museums, famous streets, and unique sites. Many of the places on our list are free to walk around and explore, but some are ticketed and cost money. Many destinations involve the outdoors, making it a great city if you’re traveling with pets. Our list includes things that you can do with a family, by yourself, with a partner, and with a group of friends.

Some parts of Los Angeles are walkable, but most are not, and public transportation options in the city are limited. To see a variety of sites, you will likely want to rent a car in Los Angeles. Unfortunately, the traffic can be very bad, so allow for extra time when getting places.

The following are our recommendations for the top 10 fun things to do while visiting Los Angeles.

1. Santa Monica Pier and Beach

Santa Monica is located west of downtown Los Angeles. The area has a great beach with more than three miles of shoreline. Santa Monica Pier has actually been around since 1909, and now has many restaurants, bars, shops, carnival games and a Ferris Wheel. Santa Monica Pier and beach are free to explore. Like many attractions in Los Angeles, you’ll probably recognize it as a filming location in television shows and movies. SantaMonicaPier.org

2. Griffith Observatory

Griffith Observatory is located on Mount Hollywood and overlooks the Los Angeles area, from Downtown to the Pacific Ocean. Classic movie fans may recognize the building and its many terraces from the 1955 film “Rebel Without a Cause.” The observatory offers science-themed exhibitions that appeal to all ages (check out the Tesla Coil) and a planetarium. Griffith Park, where the observatory is located, also features hilly hiking trails and the famous Hollywood sign. The observatory and grounds are free to enter, but planetarium shows cost $6–$10. Open Tue–Sun until 10pm. GriffithObservatory.org

3. Los Angeles County Museum of Art

The Los Angeles County Museum of Art (LACMA) is located in the Miracle Mile neighborhood, across the street from the Petersen Automotive Museum, also on our list. Look for famous works by Magritte (“This Is Not a Pipe”), Cezanne, and Lichtenstein. Outside LACMA are several large-scale exhibits that are free to see and make for fun photo ops: Chris Burden’s “Urban Light” is made of 202 cast-iron restored L.A. street lamps, while Michael Heizer’s “Levitated Mass” allows visitors to pass under an enormous suspended boulder. Open Thu–Tue (except Thanksgiving and Christmas). Adults $25, children 3–17 $10. LACMA.org

4. The Golden Triangle

The Golden Triangle is a compact, upscale shopping district in Beverly Hills lined with palm trees. Here you’ll find the famous Rodeo Drive, home to brands such as Cartier, Armani, Prada, Gucci, Valentino, and Dior. If you enjoy celebrities or fancy cars, both can be found here. Other fun shopping streets include Melrose Place in Hollywood, Robertson Blvd in West Hollywood, and Third Street Promenade in Santa Monica.

Recommended: 6 Souvenirs You Won’t Regret Buying

5. Petersen Automotive Museum

The Petersen Automotive Museum houses one of the largest automotive collections in the world, the legacy of a massive automotive magazine publishing empire. Located in the Miracle Mile neighborhood of Los Angeles, it’s across the street from the Los Angeles County Museum of Art, also on our list. The museum features a racing simulator and a mix of classic, military, and modern cars, including a 1989 Batmobile and a 1981 Delorean from “Back to the Future.” Even if you don’t go in, you can marvel at the red building’s distinctive architecture, which appears to be clad in silver metal ribbons. Daily 10am–5pm. Adults $19.95, children $10.95. Petersen.org

6. Venice Beach and Boardwalk

In addition to a beautiful beach, Venice Beach has a famous boardwalk with eclectic shops, restaurants and fascinating people to watch. Within Venice Beach also sits Muscle Beach, “Home of Bodybuilding.” You can find an outdoor gym, ropes, rings and other fitness and gymnastics equipment at Muscle Beach Venice. Venice Beach is free to explore.

7. TCL Chinese Theatre

The TCL Chinese Theatre (originally called Grauman’s Chinese Theatre) opened in 1927 and is still a working theater. Many iconic movies, such as the original “Star Wars,” were first shown to the public here. You can take a walking tour of the theater and see newly released movies. Located in Hollywood, the building is not far from the Hollywood Walk of Fame (also on our list). Tours $16. TCLChineseTheatres.com

8. Hollywood Walk of Fame

More than 2,700 stars are embedded in the sidewalks along 15 blocks of Hollywood Boulevard and Vine Street in Hollywood. — and an average of two stars are added to the Hollywood Walk of Fame each month. Be prepared for crowds gathered around ever-popular celebs such as Marilyn Monroe, Michael Jackson, Sandra Bullock, and Bruce Lee. Star maps can be found on the Hollywood Walk of Fame website. WalkofFame.com

9. La Brea Tar Pits

This unusual museum is also an active paleontological research site. For tens of thousands of years, natural asphalt has bubbled up from deep underground, forming ponds in what is now the Hancock Park neighborhood of L.A. The tar pits are still there, along with the fossils of countless ice-age animals who became stuck in what they thought was a watering hole. The museum showcases some of these finds, from mammoths and giant ground sloths to saber-toothed cats and dire wolves. Incredible educational exhibits will entertain adults and kids of all ages. Advance tickets recommended. Adults $15, children $7, teens $12. NHMLAC.org

10. California Science Center

The California Science Center is an interactive family-friendly museum covering human inventions, innovations, and ecosystems. Its most famous exhibit is the Space Shuttle “Endeavor,” which was famously towed to the Science Center through the streets of L.A. in 2012. The center is free to visit, but special exhibits and IMAX screenings cost extra. Open daily 10am–5pm. CaliforniaScienceCenter.org

The Takeaway

There’s no shortage of fun things to do in Los Angeles, from Rodeo Drive and the Hollywood Walk of Fame to ice-age tar pits and Griffith Observatory. The weather in Los Angeles is generally good year-round, but it can get crowded during peak season in the summer. Prices are on par for big cities, so expect to pay more for meals, drinks, and gas.

Whether you want to travel more or get a better ROI for your travel dollar, SoFi can help. SoFi Travel is a new service exclusively for SoFi members that lets you budget, plan, and book your next trip in a convenient one-stop shop. SoFi takes the guessing game out of how much you can afford for that honeymoon, family vacation, or quick getaway — and we help you save too.

FAQ

What are some free things to do in Los Angeles?

Los Angeles can be expensive, but there are plenty of free things to do in the city. There are many free beaches where you can relax or walk around. Many famous sites are also free, like the Hollywood Walk of Fame, Rodeo Drive, the California Science Center, and the Griffith Observatory.

What are things to do in Los Angeles with kids?

Los Angeles has a lot to offer for families, and many kid-friendly activities are free. Limiting your activities to ones that are free is one way how families afford to travel. Spend a day at Venice Beach or Santa Monica Pier. Other family-friendly attractions in Los Angeles include the California Science Center, the La Brea Tar Pits, and the planetarium at the Griffith Observatory.

What are some things to do in Los Angeles at night?

There’s so much to do in Los Angeles at night. There are many restaurants, bars, concert venues, sporting games, and other events going on in Los Angeles. You can also explore many of the sites in our list at night, like the Santa Monica Pier or the Hollywood Walk of Fame.

Photo credit: iStock/Jorge Villalba

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Welcome to your gateway to the Midwest: St. Louis! The city is a fun, energetic place to visit; it’s packed with culture, history, parks, and live music. If you play your cards right, you’ll never be bored in this Midwestern metropolis.

Whether you prefer to indulge in delectable dishes or marvel at historical landmarks, you’re sure to find something in St. Louis. So get ready as we journey from the top of the Arch to the endless city parks and beyond. You’ll learn not just the best things to do in the city, but also smart strategies about when to go and how to score deals.

Best Times to Go to St. Louis

The best time to visit St. Louis depends on your preferences and what you hope to see. However, for most people, the best times to visit St. Louis is likely to be in the fall or spring for two reasons. First, St. Louis can be bitterly cold in the winter and hot and sticky in the summer. For these reasons, you might prefer the milder weather in the fall or spring.

In addition, some of the city’s best events occur when the weather is less extreme. For instance, there is the St. Louis Renaissance Festival, which runs from September to October. There is also the Taste of St. Louis and the Great Forest Park Balloon Festival, both of which take place in September. If you visit these attractions, consider a travel credit card to earn some extra points or miles.

This isn’t to say there is nothing to do outside of the fall in St. Louis. In the spring, there is St. Louis Earth Day. Plus, baseball starts in spring, so it’s always a great time to catch a game.

On the topic of events, however, you might want to bundle up and head to St. Louis in the winter. One of the best events in the city is Soulard Louis Mardi Gras, which takes place in January and February. While it isn’t necessarily the best time to visit in general, it’s an amazing event if you love Mardi Gras. The St. Louis event features a family festival, scavenger hunt, and a cajun cook-off.

Bad Times to Go to St. Louis

Bad times to visit St. Louis will also depend on your preferences. However, there are certain things you may want to avoid:

•   Extreme weather: St. Louis can be extremely hot in the summer with temperatures above 90 degrees Fahrenheit and a hefty dose of humidity. This might complicate your summer travel plans. In the winter, temperatures can drop below freezing at times, with periods of snow and ice that make walking and driving dangerous.

•   Tourist season: St. Louis often experiences an influx of crowds in the summer months and around on holiday weekends. This can mean long lines at tourist attractions.

•   Baseball games: The St. Louis Cardinals tend to draw big crowds when there are home games. If you aren’t a baseball fan or don’t like crowds, it’s best to stay away, especially from the areas near the stadium.

•   Spring allergies: While spring is a great time to visit St. Louis, there can be a lot of pollen during this time. If you are highly sensitive to pollen, you may want to visit during a different time of year.

Average Cost of a St. Louis Vacation

The cost of a vacation in St. Louis depends on several factors, depending on where you stay, what you eat, and the length of your stay. Keep in mind that credit cards often include travel insurance to protect you against unexpected costs and cancellations. This is good in its own right and may keep you from spending on separate trip insurance.

You will likely find St. Louis to be more affordable than cities like New York or Los Angeles. Of course, the cost estimates are also different for individuals and couples. Here’s what to expect:

For individuals:

•   Hotels: $80 to $200 per day for mid-range hotels, depending on the location and amenities and what steps you take to save money on hotels.

•   Food: $25 to $50 per day.

•   Transportation: Public transportation is $1 per ride for buses and $2.50 for trains in St. Louis. Day passes cost $5. However, renting a car may be necessary, depending on where you are staying.

•   Attractions: $10 to $25 per attraction, depending on what you decide to see.

This works out to an average budget of about $120 to $275 per day for individuals. A cash back or miles credit card could help you offset some of that cost.

For couples:

•   Hotels: $80 to $200 per day for mid-range hotels, depending on the location and amenities.

•   Food: $50 to $100 per day.

•   Transportation: Public transportation is $1 per ride for buses and $2.50 for trains in St. Louis. Day passes cost $5. If you will be flying to St. Louis, look into using an airline credit card.

•   Attractions: $20 to $50 per attraction, depending on what you decide to see.

This works out to an average budget of about $155 to $400 per day for couples. If you are struggling with the cost, look into book now, pay later vacations, but be careful about incurring too much high-interest debt.

10 Fun Must-Dos in St. Louis

There are so many fun things to do in St. Louis that narrowing it down is tough. However, there are certain things you can’t miss, especially if you’ve never been to St. Louis. Those attractions are included here, as are some hidden gems you may not have considered.

This list is culled from crunching the top ratings found online for the best things to do in St. Louis, as well as picking the brains of seasoned travelers who’ve been to this Missouri city.

1. Visit Gateway Arch National Park

It’s difficult to think of a single attraction that is a stronger focal point in a city’s identity than Gateway Arch National Park in St. Louis. At 630 feet tall, the Gateway Arch is a feat of engineering and represents the connection St. Louis makes to the western United States. While scaling the Arch is the obvious highlight, there is also a museum on-site and plenty of walking trails around the monument. Tickets for the tram ride to the top and back typically range from $11 and up for kids to $15 and up for adults. gatewayarch.com/

2. Go on a Ghost Hunt in the Lemp Mansion

The Lemp Mansion is a historic estate located in the Benton Park neighborhood. The mansion was home to the Lemp family, who dominated the local beer market before Prohibition. However, Frederick Lemp, who ran the William J. Lemp Brewing Co., tragically died of heart failure. After William died, three Lemp family members took their own lives. Now, you can go on a ghost hunt at the Lemp Mansion, which is an ode to the home’s troubled past. The tours are typically $25 per person. lempmansion.com/isithaunted.htm

3. Go on a Tour at Anheuser-Busch

If you love beer (and even if you don’t), going on a tour at Anheuser-Busch is a must when in St. Louis. Tours start at $15 per person, including experiences like seeing the famous Clydesdales, meeting the brewmaster, and some beer samples. The brewery also features a beer museum, a gift shop, and classes. If tours aren’t your thing, you can also visit the beer garden or restaurant on-site. budweisertours.com/locations/tours.html

4. Check out Citygarden

Here’s one of the fun free things to do in St. Louis: If you enjoy modern art and the outdoors, you can’t leave without visiting Citygarden Sculpture Park. Located downtown, the park features various greenery, fountains, and most notably, an array of modern-art sculptures. There are 25 sculptures from 23 artists spanning 12 decades. This park allows dogs, which is perfect if you are traveling with pets. It’s also a fun thing to do in St. Louis with kids, and it’s wheelchair-accessible. citygardenstl.org/visit/

5. Enjoy Forest Park

Opened in 1876 and spanning 1,300 acres, Forest Park is one of America’s oldest and largest public parks. The park is so large that it contains several other major attractions, including the St. Louis Art Museum, the St. Louis Zoo, the St. Louis Science Center, and the Missouri History Museum. Admission to every one of these attractions is free, so you could easily spend multiple days just visiting Forest Park. forestparkforever.org/visit

6. Explore the Soulard Farmers Market

Located on the grounds of the “Grand Hall,” the Soulard Farmers Market is an open-air market and one of the oldest farmers markets in the United States. It features various fresh meats, produce, and baked goods. It features 147 stalls and is open Wednesday to Saturday year-round. While an ATM is on-site, the farmers market recommends bringing low-denomination bills if possible. soulardmarketstl.com/

7. Catch a Baseball Game

People are passionate about sports in St. Louis with baseball as the focus. Head to Busch Stadium to see the St. Louis Cardinals play. Even if you don’t love baseball, attending a game can be a great experience on a spring or summer evening. Grab a beer and hot dog, and soak in the crack of the bat hitting the ball and the oohs and aahs of the crowd. Credit card rewards sometimes give you cash back for entertainment, so don’t forget to earn extra points if you go to a game. mlb.com/cardinals

8. Traverse the Katy Trail

If you’re looking for an escape from the city, go for a walk or a bike ride on the Katy Trail. You can pick the trail up in St. Charles, just on the other side of the Missouri River. However, Katy Trail is the country’s longest developed rail/trail, spanning 240 miles between Machens and Clinton. It features 26 trailheads and four fully restored trail depots along the trail. mostateparks.com/park/katy-trail-state-park

9. Take a Ride to Union Station

St. Louis Union Station was once a bustling rail station, transporting more than 100,000 people per day at one point. President Harry Truman, Joe DiMaggio, and Joan Crawford all came through the station back in those days. Now, the station is home to attractions like the St. Louis Aquarium and the St. Louis Wheel. Unlike the museums at Forest Park, these attractions aren’t free, but adult tickets start at $25 for the aquarium and $15 for the Ferris wheel. If you’re struggling with the costs, building a travel fund can help. stlouisunionstation.com/

10. Visit the St. Louis Science Center

As mentioned earlier, the St. Louis Science Center is connected to Forest Park grounds and accessible via an aerial bridge in the park’s southeast corner. The museum has more than 700 interactive experiences within 10 galleries. Among those experiences are a planetarium and a four-story OMNIMAX® Theater. Note that while admission to the Science Center is free, the museum is closed on Tuesdays and Wednesdays. slsc.org/

Getting Around

As mentioned earlier, trains and buses are very cheap in St. Louis, so using them is a good idea if possible. While there are many great areas in the city, some of the best areas to visit are Midtown, Forest Park, and Soulard. Whether you are traveling alone or traveling with family, St. Louis has a lot to offer.

The Takeaway

St. Louis is known as the gateway to the West, but this exciting city has no shortage of things to do. With everything from farmer’s markets to haunted mansion tours, from museums to hiking trails, St. Louis has all the entertainment you need — and then some.

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FAQ

Is St. Louis good for tourists?

St. Louis is a great city for tourists, with free museums, outdoor parks, and the Gateway Arch. There’s more than enough to keep tourists entertained in the city.

What is St. Louis best known for?

St. Louis is known for many things, including the Gateway Arch, the Anheuser-Busch Brewery, and its various parks and museums.

How to spend 3 days in St. Louis?

Three days should give you enough time to see some of the city’s highlights. On the first day, you might visit the Gateway Arch, one of the city’s museums, and a brewery. On the second day, you could visit the botanical garden, Forest Park, and then go for dinner and perhaps see some live music. On the third day, you could explore Soulard, catch a baseball game, and if you prefer, see the Cathedral Basilica of Saint Louis.

Photo credit: iStock/Sean Pavone

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Considering a Costa Rica vacation? As part of Central America, Costa Rica is a beautiful country with lush rainforests, active (and safe) volcanoes, and pristine beaches. It’s a natural wonderland that’s become a favorite destination for those who want to explore its beautiful landscapes.

It can also be a convenient trip: Many cities offer direct flights, which means you shouldn’t have to devote too much travel time. Plus, if you’re happy with mid-priced restaurants and lodging, it’s an affordable country to visit compared to other popular travel destinations.

Keep reading to find out the best and worst times to visit, how much you can expect to spend, as well as some fun experiences and locations worth checking out while you’re there.

Best Times to Go to Costa Rica

There are two things to consider when planning a trip to Costa Rica: people and weather.

If you want to avoid heavy rain and tourists, the sweet spot for visiting Costa Rica is January and February. Not only is the weather dry and warm, but you won’t feel like you’re in a sea of people.

If you’re researching how to save money for a trip to Costa Rica, one of the best things you can do as a frugal traveler is book during the off season. With its rainforests, beaches, and and volcanoes, Costa Rica is a popular tourist destination for a variety of reasons. Determine what excites you the most to narrow down when you should travel so you’re not overwhelmed by fellow tourists and heavy rainfall.

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Bad Times to Go to Costa Rica

As briefly mentioned above, the two things you want to keep in mind when visiting Costa Rica are weather (especially rainfall) and fellow tourists.

Costa Rica has an average temperature of 80 degrees Fahrenheit all year round, so you don’t need to plan around the temperature so much as the rain. May through November is when the region typically experiences its heaviest rainfalls (with September usually being the peak month).

Tourists often visit the country once the rainy season ends and kids are off for school break. Therefore, from December to April is when many people choose to travel. If you don’t like crowds and the possibility of bumped-up prices, avoid those months.

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Average Cost of a Costa Rica Vacation

Here are some estimates of what a Costa Rica vacation can cost if you seek out mid-range restaurants and lodging. Knowing these prices can help you budget, decide where to keep your travel fund, and get started saving.

These costs don’t include your travel to and from Costa Rica. This expense will obviously vary depending on when you travel, where you are traveling from, and how you like to travel (say, business class vs. basic economy with no checked bags). Another factor: how well you do your research on how to get cheap flights and hack your way to the lowest possible prices.

Financial prep for travel can begin with considering how to finance your trip.

•   Do you have a year to save? Could you create a travel fund and have some money automatically transferred in with every paycheck?

•   Or, to afford a Costa Rica trip in the near future, could you take advantage of a book now, pay later travel deal without taking on too much debt?

•   Could you find a travel deal that makes the trip a too-good-to-pass-up prospect? That does happen sometimes, meaning spending time on research can reward you well!

10 Fun Things You Must Do in Costa Rica

Looking for fun things to do in Costa Rica? This list was developed by scouring online forums, review sites, and travel guides to formulate the top 10 things you should do in Costa Rica. Plus, there’s advice from savvy travelers who’ve explored the country.

1. Explore Monteverde Cloud Forest

One of the best things to do in Costa Rica is visit Monteverde Cloud Forest, which, for nature lovers, is like a vast playground. Here, visitors can explore the reserve via zip lines, go birdwatching, visit butterfly and hummingbird reserves, and take a nighttime guided tour to see and hear the park’s nocturnal residents. With almost 26,000 acres, it’s no wonder the reserve sees almost 70,000 unique visitors each year.

If you put this one on your list, you’ll want to purchase tickets in advance. On its website you can buy a day pass, book an experience, or reserve a room at the Monteverde Cloud Forest Lodge. Typically, a day pass is $12 for kids, $25 for adults. cloudforestmonteverde.com/

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2. Trek Around Arenal Volcano National Park

Located near La Fortuna, Arenal Volcano is an active volcano in Costa Rica. While it hasn’t had a major eruption since 1968, it still has frequent, minor eruptions that visitors can safely view and appreciate. Because of this, it’s one of the most unique things to do in Costa Rica.

Visitors should also consider spending time in the town of La Fortuna. While it provides great views of Arenal Volcano, there are also numerous restaurants and attractions to explore.

3. Soak in Tabacon Hot Springs

Just west of La Fortuna and Arenal Volcano National Park is Tabacon Hot Springs, which is one of the most popular hot springs in Costa Rica, if not the world. Here you can lounge in one of the many clean, natural pools heated by the Arenal Volcano. You’ll want to book your visit well in advance because spots are limited. Day passes start at about $80 for adults and $38 for kids, depending on the season; a full array of treatments, from facials to massages, are available at the spa. tabacon.com/

4. Take a Surf Lesson

If you’re looking for things to do in Tamarindo Costa Rica, one of the best things you can do is surf or take surfing lessons. With coastlines on both the Caribbean and the Pacific, it’s a dynamic country to get some great waves for both beginners and experts. If you’re just starting out, book a surf lesson to get the most of your time.

5. Bask on the Beaches of Guanacaste

Located in the northwestern part of Costa Rica (and about two and a half hours away from Arenal Volcano) is Guanacaste, which has some of the best beaches in the country. Note for those traveling with pets: Yes, dogs are allowed at these public beaches!

If you’re not one to soak up the sun, there are a ton of outdoor activities you can do in the area, such as snorkeling, scuba diving, and fishing. So, if you and your traveling partner have different tastes, one of you can enjoy a spa day at a local resort while the other has a little adventure.

It can be wise to work those credit card rewards when touring Costa Rica. Whether you use points to help pay for purchases or swipe a credit card to accumulate rewards doesn’t matter because both are smart financial moves.

6. Visit Manuel Antonio National Park

If you’re learning how families afford to travel, one of the ways they do so is by visiting locations that offer great experiences at reasonable prices. At Manuel Antonio National Park (manuelantoniopark.com/), you can reserve day passes and hike the trails, or you can book a variety of unique experiences, such as:

•   ATV tours

•   Medicinal plants tours

•   Jungle night walks

•   Zip line

•   Whale watching

Prices start at around $40 for kids and $60 for adults for a guided tour.

7. Go Whitewater Rafting

Costa Rica has a host of spots perfect for whitewater rafting. Depending on your skill level and taste for adventure, you can likely find a fun outing to splash through the scenery. It can be wise to book a rafting experience close to your hotel. For example, if you plan on staying in Guanacaste for the beaches, then the Tenorio River is close by and offers both class III and class IV rapids.

8. Chow Down at Lola’s Restaurant

Located in Guanacaste, Lola’s Restaurant has exquisite food and photo-worthy views. You’ll be tucked amid palm trees by the beach. Soak in the sights while also enjoying some of the best food in Costa Rica, whether you’re craving a guanabana smoothie or some seared ahi tuna. If you’re lucky, you may even visit during a surfing competition or get to meet Lolita, the pet pig. lolascostarica.com/

9. Venture into Venado Caves

One of the top things to do in Costa Rica is visiting the Venado Caves. Located near the Arenal Volcano, Venado Caves can offer an all day experience if you have ever wanted to go spelunking. Not only can you take a guided tour, but you can also swim in underground pools and rivers. FYI, you will get wet and muddy, so be prepared! cavernasdelvenadocr.com/index.html

10. Hike to La Leona Waterfall

If you’re comfortable hiking 30 minutes to and from, La Leona Waterfall is one of the most magnificent waterfalls in Costa Rica. Group tours start at $30, while private tours are $45. Once you reach the bottom of the trail, you can even take a dip in the natural pools to cool off. leonawaterfall.com/

The Takeaway

Costa Rica is an exciting country to visit. Because it’s so popular, it can be wise to book your trip as early as possible to ensure you get to do everything you want. There are waterfalls, parks, whitewater rapids, and other natural wonders to see, as well as great food and spa treatments to enjoy, among other attractions.

SoFi Travel is a new service offered exclusively to SoFi members. Earn 2x rewards when booking with your SoFi Mastercard or debit card. Then apply those rewards to your next trip when you book through our travel portal. SoFi makes planning a getaway fast, easy, and convenient — perfect for people on the move.

FAQ

Is Costa Rica safe to visit?

Yes, it is. The Department of State lists it as a safe country for Americans to travel to, but does warn to exercise increased caution due to crime. To help combat petty crime, the Costa Rican government provides additional security personnel for areas frequently visited by tourists.

What vaccinations are recommended for traveling to Costa Rica?

The Centers for Disease Control (CDC) recommends standard vaccines be up to date and also receive the following when traveling to Costa Rica: Yellow fever, hepatitis A and B typhoid, malaria, and possibly rabies.

Can I travel with my dog to Costa Rica?

Yes, you can, but travel forms and vaccinations are required.

Photo credit: iStock/SL_Photography

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**Terms, and conditions apply: The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx.

When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of SoFi Member Rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings.

Known as the Queen City, Charlotte is North Carolina’s largest. In professional circles it’s known as one of the biggest banking centers in the U.S. But that doesn’t mean you’ll find a stiff company town with nothing fun to do.

In fact, some of the best things to do in Charlotte center on sports, a bustling nightlife, and tons of outdoor activities for all levels of adventure.

Best Times to Go to Charlotte

For milder temperatures and smaller crowds, consider visiting Charlotte in the spring, from March through May, or in the fall months, from September through November. Going when schools are back in session will ensure that you enjoy the best things to do in Charlotte without feeling overcrowded. Plus, these months tend to have milder weather.

Spring and fall are also packed with festivals and other popular events. Check out Festival in the Park in September, which has been a Charlotte tradition since 1964. And in the fall, the sky is filled with hot air balloons in Balloon Fest, held in nearby Statesville.

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Bad Times to Go to Charlotte

Charlotte is known for hot summer temperatures, which peak in July, with average highs around 91 degrees. You can also expect more rain in the summer. July has the most rainy days out of the year, averaging 13 days per month. So if you want to stay dry, it may be worth avoiding Charlotte during the summer.

Winters are chilly, averaging in the 40s on most days (although it does sometimes get below freezing). January also tends to be overcast about half of the days each month.

Average Cost of a Charlotte Vacation

How much can you expect to spend during an fun-filled getaway in Charlotte? BudgetYourTrip.com, a crowdsourced travel site, estimates daily food costs to be $37, plus another $27 for getting around. The average nightly hotel price is $189 in Charlotte, although you can always explore ways to save on hotels if you want to spend less. Here’s the breakdown for a weeklong vacation for solo travelers and couples:

One Person:

•   $259 meals

•   $189 transportation

•   $1,323 lodging

•   $1,771 Total

Couple:

•   $518 meals

•   $378 transportation

•   $1,323 lodging

•   $2,219 Total

10 Fun Must-Dos in Charlotte

Ready to dive into the best things to do in Charlotte, North Carolina? We found a mix of attractions and events for solo travelers, couples, and families looking for affordable travel.

1. NASCAR Hall of Fame

The NASCAR Hall of Fame is one of Charlotte’s biggest attractions. It contains over 50 interactive exhibits to explore. You can even indulge your NASCAR racing dreams by participating in a Pit Crew Challenge or getting behind the wheel in an iRacing simulator. Pick your favorite track from around the country.

Avoid the Hall of Fame on a Tuesday when the building is reserved for group visits. With a convenient downtown location, it’s easy to get to. 400 E. MLK. Jr. Blvd. Adults $27, children $20. NascarHall.com

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2. Mint Museum

Can’t visit a city without checking out an art museum? The Mint Museum will double your pleasure. Not to be confused with the U.S. Mint, which produces American coins, this Mint is a cultural center and museum of international art and design. The original Randolph location in Downtown houses art exhibits from Europe, Ancient Americas, and Africa, plus ceramics and decorative arts. At the Uptown museum, you’ll find American art, contemporary pieces, craft, and design work. Tickets are good for two days at both locations. Closed Mondays. Adults $15, children free. MintMuseum.org.

3. Carowinds Amusement Park

You can’t have a list of fun things to do in Charlotte without including Carowinds. Located 20 minutes south of downtown, this amusement park is ideal for thrill seekers of all ages. There are 60+ rides spread across the park, with a mix of adrenaline-pumping roller coasters and milder, family-friendly options.

Kids can say hi to Charlie Brown and the rest of the Peanuts crew at character meet-and-greets. And the whole family can sit back and relax at music shows all year long. If you need to cool off, Carolina Harbor Waterpark is included in the daily ticket price. Daily tickets from $45. Carowinds.com

4. Pro Sports Games

Charlotte is home to professional football, basketball, and soccer teams, making it a popular vacation spot for sports fans. The Carolina Panthers play at the Bank of America stadium in uptown Charlotte, with regular season games running from September to January (Panthers.com).

In the offseason, you can now catch a different type of football at the same stadium. Charlotte FC (CharlotteFootballClub.com) is a professional soccer team that arrived in the city in 2022.

You can also catch a Charlotte Hornets game during the NBA’s regular season, which lasts from October through April (NBA.com/hornets). Other sports include the PGA’s Wells Fargo Championship in May (WellsFargoChampionship.com) and the Charlotte Checkers hockey team (CharlotteCheckers.com).

5. US National Whitewater Center

The Whitewater Center on the Catawba River is a must for adventurers of all ages. The nonprofit outdoor recreation park offers 1,300 acres of whitewater rafting and kayaking, climbing, ropes courses, ziplines, mountain biking, jumps, and more. The Center’s mission “is rooted in the belief that all human beings share a genetic code that compels us to play outside.”

There’s even a solo climbing course that lets you free-climb walls up to 45-feet high and then fall into deep water below. Choose a single activity (from $27 for climbing to $55 for rafting) or all-access pass (adults $75, youths $65). Whitewater.org

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6. Freedom Park

Looking for free things to do in Charlotte? Head over to Freedom Park, which is a few miles north of downtown in a residential area. Its 96 acres are full of wooded trails, playgrounds, and sports fields. Plus, you’ll find plenty of space to walk your doodle or puggle if you’re traveling with pets.

Freedom Park also hosts the annual Festival in the Park each September (FestivalinthePark.org). The three-day event features live performances, art exhibits, concessions, and a family fun zone. It’s definitely worth adding to your list if you’re traveling to Charlotte for some late summer travel.

7. The Market at 7th Street

Channel your inner foodie by exploring the culinary delights at The Market at 7th Street. This indoor food hall is located in uptown Charlotte. Inside you’ll find multiple vendors offering an array of options to eat on the spot or take with you.

Try Asian fusion, pizza, liege waffles, gourmet street food, and more. There are also specialty shops with smoothies, popcorn, wine, and cheese. While the market itself is open daily, individual vendors may have different operating hours, so check to see what’s open before you head over. TheMarketat7thStreet.com/

8. Charlotte Wine Country

North Carolina as a state has over 500 vineyards, and the Charlotte area plays a prominent role in this growing wine scene. You will need a rental car or shuttle service to reach many of the vineyards, since most are located a one- to two-hour drive from the city.

With award-winning wines to enjoy, it’s worth the drive time. Or you can avoid having to drive home, and opt for a wine tour (WineMeDown.com and others). Local experts will craft an itinerary on your behalf, arrange transportation, and even bring you food to nibble on between wineries.

9. AvidXchange Music Factory

Get a taste of Charlotte’s nightlife at the AvidXchange Music Factory. This downtown entertainment complex is a hub for live performances at multiple venues. The Fillmore is housed in an old textile mill, with the feel of the original San Francisco venue of the same name. A huge outdoor amphitheater offers a lovely view of the Charlotte skyline. And the Underground is your ticket to a more intimate concert experience.

When you’ve had your fill of live music, take in some laughs at the Comedy Zone, the only full-time comedy club in Charlotte. And check out the Bazal Gallery Nightclub for late-night dancing. AvidXchangemusicfactory.com

10. Little Sugar Creek Greenway

We’ll round out this list with one more free thing to do in Charlotte. The Little Sugar Creek Greenway is an ideal spot to walk, run, or bike down a linear trail in the heart of the city. There are actually several connecting segments of this trail — some of them paved — giving you the opportunity to tailor the length of your workout or stroll.

Thanks to Mecklenburg County’s restoration efforts, this narrow strip of land is now an ever-expanding rec area and wildlife habitat that will eventually stretch all the way to the South Carolina state line. You’ll feel immersed in nature despite going straight through downtown Charlotte. 1133 Metropolitan Ave.

The Takeaway

Charlotte is known for many things, from a sports haven to a nature lover’s paradise. Whether you’re looking for a budget-friendly family trip or an action-packed weekend getaway with friends, there are countless fun things to do in Charlotte at any price point.

Whether you want to travel more or get a better ROI for your travel dollar, SoFi can help. SoFi Travel is a new service exclusively for SoFi members that lets you budget, plan, and book your next trip in a convenient one-stop shop. SoFi takes the guessing game out of how much you can afford for that honeymoon, family vacation, or quick getaway — and we help you save too.

FAQ

What is Charlotte, North Carolina, popular for?

There are quite a few things Charlotte is known for, particularly in the sports world. The city houses the NFL’s Carolina Panthers and the NBA’s Charlotte Hornets. You’ll also find the NASCAR Hall of Fame.

Is Charlotte a walkable city?

Charlotte is not considered a walkable city. Of course, it depends on where you’re staying and where you plan to go, but overall the city ranks low for walkability scores.

What is the best month to visit Charlotte, NC?

Soak in Charlotte’s outdoor atmosphere in the early fall months. September is considered to be one of the best months to visit because temperatures turn mild after the heat of summer, and both cultural and sports events are flourishing.

Photo credit: iStock/Kruck20

**Terms, and conditions apply: The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx.

When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of SoFi Member Rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings.