The Cheapest Car Insurance in Minnesota for May 2024

Farm Bureau Financial Services offers the cheapest car insurance in Minnesota, with an average annual rate of $917 for full coverage.
Ben Moore
By Ben Moore 
Updated
Edited by Lacie Glover

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Auto insurance is an important purchase, but finding cheap car insurance in Minnesota isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Minnesota is Farm Bureau Financial Services at $917 per year on average, or $76 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Minnesota. Meanwhile, the average cost of full coverage car insurance in Minnesota is $1,872 per year, or about $156 per month.

🤓Nerdy Tip

Did your rates go up? Auto insurance prices are on the rise in Minnesota. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

Minimum coverage in Minnesota is $552 per year on average, but we found you can likely get a cheaper policy. For example, Farm Bureau Financial Services offers the cheapest rates in Minnesota at $332 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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If you’re looking for the cheapest car insurance in your area, NerdWallet analyzed rates for some of the largest Minnesota cities, including:

How we chose the cheapest companies in Minnesota

NerdWallet’s editorial team analyzed car insurance rates from 21 auto insurers in Minnesota and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Minnesota. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Minnesota where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Minnesota for 20-year-olds

Drivers in Minnesota with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Farm Bureau Financial Services: $1,738 per year, or about $145 per month.
  2. Secura: $2,112 per year, or about $176 per month.
  3. Auto-Owners: $2,618 per year, or about $218 per month.
  4. Travelers: $2,736 per year, or about $228 per month.
  5. Selective: $2,920 per year, or about $243 per month.

Cheapest minimum coverage car insurance in Minnesota for 20-year-olds

Drivers in Minnesota who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Westfield: $666 per year, or about $56 per month.
  2. Farm Bureau Financial Services: $677 per year, or about $56 per month.
  3. Auto-Owners: $683 per year, or about $57 per month.
  4. North Star: $694 per year, or about $58 per month.
  5. Travelers: $795 per year, or about $66 per month.

Cheapest auto insurance in Minnesota for 20-year-olds with poor credit

Drivers with poor credit in Minnesota should look at the following insurers with the lowest average rates for minimum coverage:

  1. North Star: $1,148 per year, or about $96 per month.
  2. Farm Bureau Financial Services: $1,326 per year, or about $110 per month.
  3. Westfield: $1,433 per year, or about $119 per month.
  4. Farmers Union: $1,474 per year, or about $123 per month.
  5. Allstate: $1,482 per year, or about $124 per month.

Cheapest auto insurance in Minnesota for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Minnesota, here are the companies with the lowest average rates for minimum coverage:

  1. Farm Bureau Financial Services: $764 per year, or about $64 per month.
  2. Westfield: $797 per year, or about $66 per month.
  3. Western National: $888 per year, or about $74 per month.
  4. Auto-Owners: $948 per year, or about $79 per month.
  5. Travelers: $975 per year, or about $81 per month.

Cheapest auto insurance in Minnesota for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Minnesota, here are the companies with the lowest average rates for minimum coverage:

  1. Westfield: $832 per year, or about $69 per month.
  2. Western National: $888 per year, or about $74 per month.
  3. Farm Bureau Financial Services: $905 per year, or about $75 per month.
  4. Auto-Owners: $935 per year, or about $78 per month.
  5. Travelers: $1,026 per year, or about $86 per month.

Cheapest auto insurance in Minnesota for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Western National: $888 per year, or about $74 per month.
  2. Farmers Union: $1,174 per year, or about $98 per month.
  3. Westfield: $1,221 per year, or about $102 per month.
  4. Travelers: $1,241 per year, or about $103 per month.
  5. Farm Bureau Financial Services: $1,346 per year, or about $112 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Minnesota for 30-year-olds

Drivers in Minnesota who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Farm Bureau Financial Services: $923 per year, or about $77 per month.
  2. Secura: $1,067 per year, or about $89 per month.
  3. Auto-Owners: $1,497 per year, or about $125 per month.
  4. Western National: $1,642 per year, or about $137 per month.
  5. American Family: $1,656 per year, or about $138 per month.

Cheapest minimum coverage car insurance in Minnesota for 30-year-olds

Drivers in Minnesota who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Farm Bureau Financial Services: $332 per year, or about $28 per month.
  2. North Star: $354 per year, or about $30 per month.
  3. Western National: $366 per year, or about $31 per month.
  4. Auto-Owners: $391 per year, or about $33 per month.
  5. Allstate: $391 per year, or about $33 per month.

Cheapest auto insurance in Minnesota for 30-year-olds with poor credit

Drivers with poor credit in Minnesota should consider the following companies with the lowest average rates for full coverage:

  1. Secura: $1,788 per year, or about $149 per month.
  2. Farm Bureau Financial Services: $1,843 per year, or about $154 per month.
  3. North Star: $3,018 per year, or about $252 per month.
  4. Nationwide: $3,191 per year, or about $266 per month.
  5. American Family: $3,198 per year, or about $266 per month.

Cheapest auto insurance in Minnesota for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Minnesota, here are the companies with the lowest average rates for minimum coverage:

  1. Western National: $366 per year, or about $31 per month.
  2. Farm Bureau Financial Services: $374 per year, or about $31 per month.
  3. North Star: $408 per year, or about $34 per month.
  4. Westfield: $474 per year, or about $39 per month.
  5. Secura: $519 per year, or about $43 per month.

Cheapest auto insurance in Minnesota for 30-year-old drivers with one at-fault crash

For drivers in Minnesota with a recent accident, here are the lowest average rate options for full coverage:

  1. Farm Bureau Financial Services: $1,232 per year, or about $103 per month.
  2. Western National: $1,642 per year, or about $137 per month.
  3. Secura: $1,698 per year, or about $142 per month.
  4. Auto-Owners: $1,843 per year, or about $154 per month.
  5. Travelers: $2,309 per year, or about $192 per month.

Cheapest auto insurance in Minnesota for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Western National: $1,642 per year, or about $137 per month.
  2. Farm Bureau Financial Services: $1,831 per year, or about $153 per month.
  3. Secura: $2,315 per year, or about $193 per month.
  4. American Family: $2,404 per year, or about $200 per month.
  5. Auto-Owners: $2,614 per year, or about $218 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Minnesota for 40-year-olds

Drivers in Minnesota with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Farm Bureau Financial Services: $913 per year, or about $76 per month.
  2. Secura: $998 per year, or about $83 per month.
  3. Auto-Owners: $1,486 per year, or about $124 per month.
  4. American Family: $1,590 per year, or about $132 per month.
  5. Western National: $1,592 per year, or about $133 per month.

Cheapest minimum coverage car insurance in Minnesota for 40-year-olds

Drivers in Minnesota who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Farm Bureau Financial Services: $332 per year, or about $28 per month.
  2. North Star: $354 per year, or about $30 per month.
  3. Western National: $356 per year, or about $30 per month.
  4. Westfield: $365 per year, or about $30 per month.
  5. Allstate: $391 per year, or about $33 per month.

Cheapest auto insurance in Minnesota for 40-year-olds with poor credit

Drivers with poor credit in Minnesota can check out the following insurers with the lowest average rates for full coverage:

  1. Secura: $1,669 per year, or about $139 per month.
  2. Farm Bureau Financial Services: $1,881 per year, or about $157 per month.
  3. Selective: $2,918 per year, or about $243 per month.
  4. North Star: $3,018 per year, or about $252 per month.
  5. American Family: $3,049 per year, or about $254 per month.

Cheapest auto insurance in Minnesota for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Minnesota, here are the companies with the lowest average rates for minimum coverage:

  1. Western National: $356 per year, or about $30 per month.
  2. Farm Bureau Financial Services: $374 per year, or about $31 per month.
  3. North Star: $408 per year, or about $34 per month.
  4. Westfield: $434 per year, or about $36 per month.
  5. Secura: $496 per year, or about $41 per month.

Cheapest auto insurance in Minnesota for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Minnesota, here are the companies with the lowest average rates for full coverage:

  1. Farm Bureau Financial Services: $1,218 per year, or about $102 per month.
  2. Secura: $1,589 per year, or about $132 per month.
  3. Western National: $1,592 per year, or about $133 per month.
  4. Auto-Owners: $1,835 per year, or about $153 per month.
  5. Travelers: $2,215 per year, or about $185 per month.

Cheapest auto insurance in Minnesota for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Western National: $1,592 per year, or about $133 per month.
  2. Farm Bureau Financial Services: $1,811 per year, or about $151 per month.
  3. Secura: $2,167 per year, or about $181 per month.
  4. American Family: $2,323 per year, or about $194 per month.
  5. State Farm: $2,562 per year, or about $213 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Minnesota for 50-year-olds

Drivers in Minnesota with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Farm Bureau Financial Services: $771 per year, or about $64 per month.
  2. Secura: $970 per year, or about $81 per month.
  3. Auto-Owners: $1,392 per year, or about $116 per month.
  4. Western National: $1,438 per year, or about $120 per month.
  5. American Family: $1,454 per year, or about $121 per month.

Cheapest minimum coverage car insurance in Minnesota for 50-year-olds

Drivers in Minnesota who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Farm Bureau Financial Services: $272 per year, or about $23 per month.
  2. North Star: $314 per year, or about $26 per month.
  3. Western National: $322 per year, or about $27 per month.
  4. Westfield: $353 per year, or about $29 per month.
  5. Allstate: $371 per year, or about $31 per month.

Cheapest auto insurance in Minnesota for 50-year-olds with poor credit

Drivers with poor credit in Minnesota can check with the following companies, which showed the lowest average rates for full coverage:

  1. Farm Bureau Financial Services: $1,577 per year, or about $131 per month.
  2. Secura: $1,625 per year, or about $135 per month.
  3. North Star: $2,632 per year, or about $219 per month.
  4. Selective: $2,701 per year, or about $225 per month.
  5. Farmers Union: $2,731 per year, or about $228 per month.

Cheapest auto insurance in Minnesota for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Minnesota, here are the companies with the lowest average rates for minimum coverage:

  1. Farm Bureau Financial Services: $306 per year, or about $26 per month.
  2. Western National: $322 per year, or about $27 per month.
  3. North Star: $356 per year, or about $30 per month.
  4. Westfield: $420 per year, or about $35 per month.
  5. Secura: $480 per year, or about $40 per month.

Cheapest auto insurance in Minnesota for 50-year-old drivers with one at-fault crash

For drivers living in Minnesota with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Farm Bureau Financial Services: $1,028 per year, or about $86 per month.
  2. Western National: $1,438 per year, or about $120 per month.
  3. Secura: $1,552 per year, or about $129 per month.
  4. Auto-Owners: $1,714 per year, or about $143 per month.
  5. Travelers: $2,109 per year, or about $176 per month.

Cheapest auto insurance in Minnesota for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Western National: $1,438 per year, or about $120 per month.
  2. Farm Bureau Financial Services: $1,528 per year, or about $127 per month.
  3. American Family: $2,115 per year, or about $176 per month.
  4. Secura: $2,121 per year, or about $177 per month.
  5. Selective: $2,425 per year, or about $202 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Minnesota for 60-year-olds

Drivers in Minnesota with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Farm Bureau Financial Services: $770 per year, or about $64 per month.
  2. Secura: $978 per year, or about $82 per month.
  3. Auto-Owners: $1,300 per year, or about $108 per month.
  4. Travelers: $1,394 per year, or about $116 per month.
  5. American Family: $1,412 per year, or about $118 per month.

Cheapest minimum coverage car insurance in Minnesota for 60-year-olds

Drivers in Minnesota who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Farm Bureau Financial Services: $279 per year, or about $23 per month.
  2. North Star: $314 per year, or about $26 per month.
  3. Western National: $322 per year, or about $27 per month.
  4. Allstate: $371 per year, or about $31 per month.
  5. Auto-Owners: $373 per year, or about $31 per month.

Cheapest auto insurance in Minnesota for 60-year-olds with poor credit

Drivers with poor credit in Minnesota can look at the following companies with the lowest average rates for full coverage:

  1. Farm Bureau Financial Services: $1,577 per year, or about $131 per month.
  2. Secura: $1,639 per year, or about $137 per month.
  3. Farmers Union: $2,491 per year, or about $208 per month.
  4. Selective: $2,558 per year, or about $213 per month.
  5. Chubb: $2,572 per year, or about $214 per month.

Cheapest auto insurance in Minnesota for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Minnesota, here are the companies with the lowest average rates for minimum coverage:

  1. Farm Bureau Financial Services: $314 per year, or about $26 per month.
  2. Western National: $322 per year, or about $27 per month.
  3. North Star: $356 per year, or about $30 per month.
  4. Westfield: $456 per year, or about $38 per month.
  5. Secura: $500 per year, or about $42 per month.

Cheapest auto insurance in Minnesota for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Minnesota, here are the companies with the lowest average rates for full coverage:

  1. Farm Bureau Financial Services: $1,026 per year, or about $86 per month.
  2. Western National: $1,438 per year, or about $120 per month.
  3. Secura: $1,574 per year, or about $131 per month.
  4. Auto-Owners: $1,604 per year, or about $134 per month.
  5. State Farm: $1,986 per year, or about $166 per month.

Cheapest auto insurance in Minnesota for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Western National: $1,438 per year, or about $120 per month.
  2. Farm Bureau Financial Services: $1,524 per year, or about $127 per month.
  3. American Family: $2,059 per year, or about $172 per month.
  4. Secura: $2,158 per year, or about $180 per month.
  5. State Farm: $2,286 per year, or about $190 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Minnesota for 70-year-olds

Drivers in Minnesota with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Farm Bureau Financial Services: $808 per year, or about $67 per month.
  2. Secura: $1,123 per year, or about $94 per month.
  3. Auto-Owners: $1,397 per year, or about $116 per month.
  4. Travelers: $1,424 per year, or about $119 per month.
  5. American Family: $1,486 per year, or about $124 per month.

Cheapest minimum coverage car insurance in Minnesota for 70-year-olds

Drivers in Minnesota who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. North Star: $300 per year, or about $25 per month.
  2. Farm Bureau Financial Services: $329 per year, or about $27 per month.
  3. Western National: $352 per year, or about $29 per month.
  4. Allstate: $371 per year, or about $31 per month.
  5. Auto-Owners: $431 per year, or about $36 per month.

Cheapest auto insurance in Minnesota for 70-year-olds with poor credit

Drivers with poor credit in Minnesota can look at the following companies with the lowest average rates for full coverage:

  1. Farm Bureau Financial Services: $1,681 per year, or about $140 per month.
  2. Secura: $1,889 per year, or about $157 per month.
  3. Farmers Union: $2,408 per year, or about $201 per month.
  4. North Star: $2,608 per year, or about $217 per month.
  5. Chubb: $2,631 per year, or about $219 per month.

Cheapest auto insurance in Minnesota for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Minnesota , here are the companies with the lowest average rates for minimum coverage:

  1. North Star: $340 per year, or about $28 per month.
  2. Western National: $352 per year, or about $29 per month.
  3. Farm Bureau Financial Services: $371 per year, or about $31 per month.
  4. State Farm: $534 per year, or about $45 per month.
  5. Allstate: $543 per year, or about $45 per month.

Cheapest auto insurance in Minnesota for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Minnesota, here are the companies with the lowest average rates for full coverage:

  1. Farm Bureau Financial Services: $1,077 per year, or about $90 per month.
  2. Western National: $1,574 per year, or about $131 per month.
  3. Auto-Owners: $1,756 per year, or about $146 per month.
  4. Secura: $1,844 per year, or about $154 per month.
  5. State Farm: $1,980 per year, or about $165 per month.

Cheapest auto insurance in Minnesota for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Western National: $1,574 per year, or about $131 per month.
  2. Farm Bureau Financial Services: $1,601 per year, or about $133 per month.
  3. American Family: $2,183 per year, or about $182 per month.
  4. State Farm: $2,277 per year, or about $190 per month.
  5. Travelers: $2,553 per year, or about $213 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 56 of the 70 driver profiles we examined.

Minimum required auto insurance in Minnesota

The Land of 10,000 Lakes has relatively extensive car insurance requirements. Drivers must carry liability insurance, uninsured motorist coverage (UMBI), underinsured motorist (UIMBI) coverage and personal injury protection (PIP) in the following amounts:

  • $30,000 bodily injury liability per person.

  • $60,000 bodily injury liability per accident.

  • $10,000 property damage liability per accident.

  • $25,000 UMBI per person.

  • $50,000 UMBI per accident.

  • $40,000 PIP.

For the most accurate auto insurance quotes in Minnesota, keep your required and optional coverages identical when comparing prices. Visit NerdWallet’s guide to state car insurance requirements for more detail on what these mandatory coverage levels mean, and how and when your policy kicks in.

Alternative car insurance in Minnesota

Minnesotans who’ve been denied car insurance on the open market within the past 60 days can apply for coverage through the Minnesota Automobile Insurance Plan. This network of insurers was established to help high-risk drivers secure coverage at established price levels.

For even more help finding cheap auto insurance quotes in Minnesota, try NerdWallet’s car insurance comparison tool to possibly save hundreds.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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