Cheap Car Insurance in Oklahoma for February 2024

American Farmers & Ranchers offers the cheapest car insurance in Oklahoma, with an average annual rate of $1,527 for full coverage.
Ben Moore
By Ben Moore 
Updated

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Auto insurance is an important purchase, but finding cheap car insurance in Oklahoma 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 Oklahoma is American Farmers & Ranchers at $1,527 per year on average, or $127 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Oklahoma. Meanwhile, the average cost of full coverage car insurance in Oklahoma is $2,261 per year, or about $188 per month.

Minimum coverage in Oklahoma is $532 per year on average, but we found you can likely get a cheaper policy. For example, American Farmers & Ranchers offers the cheapest rates in Oklahoma at $275 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

If you're looking for the cheapest car insurance in your town, NerdWallet analyzed auto insurance rates in some of the largest Oklahoma cities, including:

How we chose the cheapest companies in Oklahoma

NerdWallet’s editorial team analyzed car insurance rates from 13 auto insurers in Oklahoma and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Oklahoma. 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 Oklahoma 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 Oklahoma for 20-year-olds

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

  1. American Farmers & Ranchers: $2,047 per year, or about $171 per month.
  2. Geico: $3,910 per year, or about $326 per month.
  3. State Farm: $4,453 per year, or about $371 per month.
  4. Mercury: $4,660 per year, or about $388 per month.
  5. Shelter: $4,960 per year, or about $413 per month.

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

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

  1. American Farmers & Ranchers: $451 per year, or about $38 per month.
  2. Geico: $850 per year, or about $71 per month.
  3. State Farm: $995 per year, or about $83 per month.
  4. Mercury: $1,026 per year, or about $86 per month.
  5. Progressive: $1,051 per year, or about $88 per month.

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

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

  1. American Farmers & Ranchers: $699 per year, or about $58 per month.
  2. Geico: $1,097 per year, or about $91 per month.
  3. Equity: $1,354 per year, or about $113 per month.
  4. Mercury: $1,502 per year, or about $125 per month.
  5. Oklahoma Farm Bureau: $1,522 per year, or about $127 per month.

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

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

  1. American Farmers & Ranchers: $615 per year, or about $51 per month.
  2. State Farm: $1,148 per year, or about $96 per month.
  3. Progressive: $1,168 per year, or about $97 per month.
  4. Mercury: $1,237 per year, or about $103 per month.
  5. Geico: $1,250 per year, or about $104 per month.

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

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

  1. American Farmers & Ranchers: $451 per year, or about $38 per month.
  2. Progressive: $1,212 per year, or about $101 per month.
  3. Geico: $1,216 per year, or about $101 per month.
  4. State Farm: $1,294 per year, or about $108 per month.
  5. Mercury: $1,381 per year, or about $115 per month.

Cheapest auto insurance in Oklahoma 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. American Farmers & Ranchers: $986 per year, or about $82 per month.
  2. Progressive: $1,139 per year, or about $95 per month.
  3. Mercury: $1,232 per year, or about $103 per month.
  4. Equity: $1,511 per year, or about $126 per month.
  5. State Farm: $1,528 per year, or about $127 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 Oklahoma for 30-year-olds

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

  1. American Farmers & Ranchers: $1,527 per year, or about $127 per month.
  2. Geico: $2,213 per year, or about $184 per month.
  3. State Farm: $2,226 per year, or about $186 per month.
  4. Shelter: $2,258 per year, or about $188 per month.
  5. Mercury: $2,396 per year, or about $200 per month.

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

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

  1. American Farmers & Ranchers: $275 per year, or about $23 per month.
  2. Geico: $331 per year, or about $28 per month.
  3. State Farm: $347 per year, or about $29 per month.
  4. Mercury: $459 per year, or about $38 per month.
  5. Shelter: $530 per year, or about $44 per month.

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

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

  1. American Farmers & Ranchers: $2,380 per year, or about $198 per month.
  2. Oklahoma Farm Bureau: $2,600 per year, or about $217 per month.
  3. Geico: $2,863 per year, or about $239 per month.
  4. Shelter: $3,276 per year, or about $273 per month.
  5. Mercury: $3,688 per year, or about $307 per month.

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

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

  1. American Farmers & Ranchers: $398 per year, or about $33 per month.
  2. State Farm: $401 per year, or about $33 per month.
  3. Oklahoma Farm Bureau: $618 per year, or about $52 per month.
  4. Equity: $633 per year, or about $53 per month.
  5. Mercury: $656 per year, or about $55 per month.

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

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

  1. American Farmers & Ranchers: $1,527 per year, or about $127 per month.
  2. State Farm: $2,678 per year, or about $223 per month.
  3. Oklahoma Farm Bureau: $2,801 per year, or about $233 per month.
  4. Shelter: $2,902 per year, or about $242 per month.
  5. Geico: $3,500 per year, or about $292 per month.

Cheapest auto insurance in Oklahoma 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. State Farm: $2,940 per year, or about $245 per month.
  2. American Farmers & Ranchers: $3,102 per year, or about $258 per month.
  3. Mercury: $3,181 per year, or about $265 per month.
  4. Shelter: $3,287 per year, or about $274 per month.
  5. Progressive: $3,594 per year, or about $299 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 Oklahoma for 40-year-olds

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

  1. American Farmers & Ranchers: $1,527 per year, or about $127 per month.
  2. Shelter: $1,930 per year, or about $161 per month.
  3. Geico: $2,154 per year, or about $179 per month.
  4. State Farm: $2,163 per year, or about $180 per month.
  5. Mercury: $2,219 per year, or about $185 per month.

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

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

  1. American Farmers & Ranchers: $275 per year, or about $23 per month.
  2. Geico: $330 per year, or about $27 per month.
  3. State Farm: $352 per year, or about $29 per month.
  4. Mercury: $424 per year, or about $35 per month.
  5. Shelter: $441 per year, or about $37 per month.

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

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

  1. American Farmers & Ranchers: $2,380 per year, or about $198 per month.
  2. Oklahoma Farm Bureau: $2,600 per year, or about $217 per month.
  3. Geico: $2,736 per year, or about $228 per month.
  4. Shelter: $2,792 per year, or about $233 per month.
  5. Mercury: $3,386 per year, or about $282 per month.

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

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

  1. American Farmers & Ranchers: $397 per year, or about $33 per month.
  2. State Farm: $405 per year, or about $34 per month.
  3. Shelter: $558 per year, or about $46 per month.
  4. Equity: $615 per year, or about $51 per month.
  5. Mercury: $615 per year, or about $51 per month.

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

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

  1. American Farmers & Ranchers: $1,527 per year, or about $127 per month.
  2. Shelter: $2,466 per year, or about $206 per month.
  3. State Farm: $2,593 per year, or about $216 per month.
  4. Oklahoma Farm Bureau: $2,801 per year, or about $233 per month.
  5. Geico: $3,355 per year, or about $280 per month.

Cheapest auto insurance in Oklahoma 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. Shelter: $2,787 per year, or about $232 per month.
  2. State Farm: $2,847 per year, or about $237 per month.
  3. Mercury: $2,999 per year, or about $250 per month.
  4. American Farmers & Ranchers: $3,102 per year, or about $258 per month.
  5. Progressive: $3,247 per year, or about $271 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 Oklahoma for 50-year-olds

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

  1. American Farmers & Ranchers: $1,508 per year, or about $126 per month.
  2. Shelter: $1,677 per year, or about $140 per month.
  3. Mercury: $1,882 per year, or about $157 per month.
  4. State Farm: $2,079 per year, or about $173 per month.
  5. Geico: $2,162 per year, or about $180 per month.

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

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

  1. American Farmers & Ranchers: $268 per year, or about $22 per month.
  2. Geico: $342 per year, or about $29 per month.
  3. State Farm: $347 per year, or about $29 per month.
  4. Shelter: $372 per year, or about $31 per month.
  5. Mercury: $384 per year, or about $32 per month.

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

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

  1. American Farmers & Ranchers: $2,351 per year, or about $196 per month.
  2. Oklahoma Farm Bureau: $2,415 per year, or about $201 per month.
  3. Shelter: $2,428 per year, or about $202 per month.
  4. Geico: $2,804 per year, or about $234 per month.
  5. Mercury: $2,860 per year, or about $238 per month.

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

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

  1. American Farmers & Ranchers: $390 per year, or about $33 per month.
  2. State Farm: $400 per year, or about $33 per month.
  3. Shelter: $473 per year, or about $39 per month.
  4. Oklahoma Farm Bureau: $557 per year, or about $46 per month.
  5. Equity: $593 per year, or about $49 per month.

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

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

  1. American Farmers & Ranchers: $1,508 per year, or about $126 per month.
  2. Shelter: $2,124 per year, or about $177 per month.
  3. State Farm: $2,496 per year, or about $208 per month.
  4. Oklahoma Farm Bureau: $2,599 per year, or about $217 per month.
  5. Mercury: $3,525 per year, or about $294 per month.

Cheapest auto insurance in Oklahoma 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. Shelter: $2,395 per year, or about $200 per month.
  2. Mercury: $2,619 per year, or about $218 per month.
  3. State Farm: $2,744 per year, or about $229 per month.
  4. Progressive: $3,041 per year, or about $253 per month.
  5. American Farmers & Ranchers: $3,078 per year, or about $257 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 Oklahoma for 60-year-olds

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

  1. American Farmers & Ranchers: $1,508 per year, or about $126 per month.
  2. Shelter: $1,656 per year, or about $138 per month.
  3. Mercury: $1,714 per year, or about $143 per month.
  4. State Farm: $1,940 per year, or about $162 per month.
  5. Geico: $2,168 per year, or about $181 per month.

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

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

  1. American Farmers & Ranchers: $268 per year, or about $22 per month.
  2. State Farm: $321 per year, or about $27 per month.
  3. Mercury: $348 per year, or about $29 per month.
  4. Geico: $349 per year, or about $29 per month.
  5. Shelter: $365 per year, or about $30 per month.

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

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

  1. Oklahoma Farm Bureau: $2,294 per year, or about $191 per month.
  2. American Farmers & Ranchers: $2,351 per year, or about $196 per month.
  3. Shelter: $2,378 per year, or about $198 per month.
  4. Mercury: $2,609 per year, or about $217 per month.
  5. Geico: $2,820 per year, or about $235 per month.

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

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

  1. State Farm: $370 per year, or about $31 per month.
  2. American Farmers & Ranchers: $390 per year, or about $33 per month.
  3. Shelter: $462 per year, or about $39 per month.
  4. Oklahoma Farm Bureau: $557 per year, or about $46 per month.
  5. Mercury: $570 per year, or about $48 per month.

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

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

  1. American Farmers & Ranchers: $1,508 per year, or about $126 per month.
  2. Shelter: $2,092 per year, or about $174 per month.
  3. State Farm: $2,324 per year, or about $194 per month.
  4. Oklahoma Farm Bureau: $2,468 per year, or about $206 per month.
  5. Mercury: $3,321 per year, or about $277 per month.

Cheapest auto insurance in Oklahoma 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. Shelter: $2,357 per year, or about $196 per month.
  2. Mercury: $2,437 per year, or about $203 per month.
  3. State Farm: $2,554 per year, or about $213 per month.
  4. Progressive: $2,897 per year, or about $241 per month.
  5. American Farmers & Ranchers: $3,078 per year, or about $257 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 Oklahoma for 70-year-olds

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

  1. American Farmers & Ranchers: $1,629 per year, or about $136 per month.
  2. Shelter: $1,778 per year, or about $148 per month.
  3. Mercury: $1,954 per year, or about $163 per month.
  4. State Farm: $1,971 per year, or about $164 per month.
  5. Oklahoma Farm Bureau: $2,230 per year, or about $186 per month.

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

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

  1. American Farmers & Ranchers: $309 per year, or about $26 per month.
  2. State Farm: $346 per year, or about $29 per month.
  3. Shelter: $400 per year, or about $33 per month.
  4. Geico: $404 per year, or about $34 per month.
  5. Mercury: $420 per year, or about $35 per month.

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

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

  1. Oklahoma Farm Bureau: $2,238 per year, or about $187 per month.
  2. American Farmers & Ranchers: $2,539 per year, or about $212 per month.
  3. Shelter: $2,585 per year, or about $215 per month.
  4. Mercury: $2,976 per year, or about $248 per month.
  5. Geico: $3,179 per year, or about $265 per month.

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

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

  1. State Farm: $400 per year, or about $33 per month.
  2. American Farmers & Ranchers: $441 per year, or about $37 per month.
  3. Shelter: $507 per year, or about $42 per month.
  4. Oklahoma Farm Bureau: $589 per year, or about $49 per month.
  5. Mercury: $708 per year, or about $59 per month.

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

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

  1. American Farmers & Ranchers: $1,629 per year, or about $136 per month.
  2. Shelter: $2,264 per year, or about $189 per month.
  3. State Farm: $2,374 per year, or about $198 per month.
  4. Oklahoma Farm Bureau: $2,426 per year, or about $202 per month.
  5. Progressive: $3,922 per year, or about $327 per month.

Cheapest auto insurance in Oklahoma 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. Shelter: $2,556 per year, or about $213 per month.
  2. State Farm: $2,623 per year, or about $219 per month.
  3. Mercury: $2,832 per year, or about $236 per month.
  4. Progressive: $3,051 per year, or about $254 per month.
  5. American Farmers & Ranchers: $3,228 per year, or about $269 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 five auto insurance options for 56 of the 70 driver profiles we examined.

Minimum required auto insurance in Oklahoma

Oklahoma car insurance policies must include liability insurance, which helps pay for others' property repairs or injury treatment if you cause an accident.

The minimum amounts your policy must include are:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per incident.

  • $25,000 property damage liability per incident.

While this is enough to drive legally, you may want more than the bare minimum. Check out NerdWallet's guide to minimum car insurance requirements by state for details on other coverages you can add and how their limits work.

Alternative car insurance in Oklahoma

If poor credit, a spotty driving record or other factors are preventing you from getting auto insurance on the voluntary market, you may qualify for coverage through the Oklahoma Automobile Insurance Plan.

NerdWallet can also help you find cheap car insurance in Oklahoma. Use our car insurance comparison tool to see rates from top companies.

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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