The Cheapest Car Insurance in Pennsylvania for June 2024

Travelers offers the cheapest car insurance in Pennsylvania, with an average annual rate of $1,265 for full coverage.
Ben Moore
By Ben Moore  
Updated
Edited by Lacie Glover  

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Table of Contents

Table of Contents

Auto insurance is an important purchase, but finding cheap car insurance in Pennsylvania 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 Pennsylvania is Travelers at $1,007 per year on average, or $84 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Pennsylvania. Meanwhile, the average cost of full coverage car insurance in Pennsylvania is $1,667 per year, or about $139 per month.

🤓Nerdy Tip

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

Minimum coverage in Pennsylvania is $370 per year on average, but we found you can likely get a cheaper policy. For example, Auto-Owners offers the cheapest rates in Pennsylvania at $231 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 Pennsylvania cities, including:

How we chose the cheapest companies in Pennsylvania

NerdWallet’s editorial team analyzed car insurance rates from 20 auto insurers in Pennsylvania 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 Pennsylvania. 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 Pennsylvania 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.

Cheap car insurance in Pennsylvania for 20-year-olds

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 Pennsylvania for 20-year-olds

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

  1. Travelers: $1,580 per year, or about $132 per month.
  2. Geico: $1,822 per year, or about $152 per month.
  3. Encova: $2,139 per year, or about $178 per month.
  4. American National: $2,234 per year, or about $186 per month.
  5. Erie: $2,693 per year, or about $224 per month.

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

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

  1. Travelers: $364 per year, or about $30 per month.
  2. Geico: $472 per year, or about $39 per month.
  3. Encova: $481 per year, or about $40 per month.
  4. American National: $626 per year, or about $52 per month.
  5. Auto-Owners: $636 per year, or about $53 per month.

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

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

  1. Geico: $687 per year, or about $57 per month.
  2. Chubb: $883 per year, or about $74 per month.
  3. Travelers: $901 per year, or about $75 per month.
  4. American National: $936 per year, or about $78 per month.
  5. Encova: $1,015 per year, or about $85 per month.

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

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

  1. Travelers: $439 per year, or about $37 per month.
  2. Encova: $511 per year, or about $43 per month.
  3. Geico: $571 per year, or about $48 per month.
  4. Auto-Owners: $669 per year, or about $56 per month.
  5. Westfield: $678 per year, or about $56 per month.

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

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

  1. Travelers: $482 per year, or about $40 per month.
  2. Encova: $541 per year, or about $45 per month.
  3. Geico: $684 per year, or about $57 per month.
  4. Cumberland Mutual: $801 per year, or about $67 per month.
  5. Erie: $861 per year, or about $72 per month.

Cheapest auto insurance in Pennsylvania 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. Travelers: $495 per year, or about $41 per month.
  2. Progressive: $807 per year, or about $67 per month.
  3. Geico: $827 per year, or about $69 per month.
  4. Allstate: $913 per year, or about $76 per month.
  5. American National: $958 per year, or about $80 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 Pennsylvania for 30-year-olds

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

  1. Travelers: $1,039 per year, or about $87 per month.
  2. Auto-Owners: $1,161 per year, or about $97 per month.
  3. Encova: $1,234 per year, or about $103 per month.
  4. Erie: $1,236 per year, or about $103 per month.
  5. Geico: $1,247 per year, or about $104 per month.

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

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

  1. Auto-Owners: $231 per year, or about $19 per month.
  2. Travelers: $237 per year, or about $20 per month.
  3. Westfield: $287 per year, or about $24 per month.
  4. Erie: $288 per year, or about $24 per month.
  5. Encova: $290 per year, or about $24 per month.

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

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

  1. Auto-Owners: $1,876 per year, or about $156 per month.
  2. Nationwide: $1,911 per year, or about $159 per month.
  3. American National: $2,066 per year, or about $172 per month.
  4. Chubb: $2,140 per year, or about $178 per month.
  5. Geico: $2,567 per year, or about $214 per month.

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

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

  1. Auto-Owners: $243 per year, or about $20 per month.
  2. Travelers: $276 per year, or about $23 per month.
  3. Erie: $304 per year, or about $25 per month.
  4. Westfield: $327 per year, or about $27 per month.
  5. Encova: $329 per year, or about $27 per month.

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

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

  1. Travelers: $1,327 per year, or about $111 per month.
  2. Encova: $1,592 per year, or about $133 per month.
  3. Auto-Owners: $1,613 per year, or about $134 per month.
  4. Erie: $1,628 per year, or about $136 per month.
  5. American National: $1,762 per year, or about $147 per month.

Cheapest auto insurance in Pennsylvania 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. Travelers: $1,466 per year, or about $122 per month.
  2. American National: $1,878 per year, or about $157 per month.
  3. Erie: $1,953 per year, or about $163 per month.
  4. Progressive: $2,412 per year, or about $201 per month.
  5. Allstate: $2,489 per year, or about $207 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 Pennsylvania for 40-year-olds

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

  1. Travelers: $961 per year, or about $80 per month.
  2. Auto-Owners: $1,130 per year, or about $94 per month.
  3. Erie: $1,152 per year, or about $96 per month.
  4. American National: $1,157 per year, or about $96 per month.
  5. Geico: $1,213 per year, or about $101 per month.

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

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

  1. Auto-Owners: $231 per year, or about $19 per month.
  2. Travelers: $234 per year, or about $20 per month.
  3. Erie: $266 per year, or about $22 per month.
  4. Westfield: $274 per year, or about $23 per month.
  5. Encova: $290 per year, or about $24 per month.

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

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

  1. Nationwide: $1,819 per year, or about $152 per month.
  2. Auto-Owners: $1,826 per year, or about $152 per month.
  3. American National: $1,842 per year, or about $154 per month.
  4. Chubb: $2,140 per year, or about $178 per month.
  5. Donegal: $2,431 per year, or about $203 per month.

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

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

  1. Auto-Owners: $243 per year, or about $20 per month.
  2. Travelers: $272 per year, or about $23 per month.
  3. Erie: $281 per year, or about $23 per month.
  4. Westfield: $313 per year, or about $26 per month.
  5. Donegal: $327 per year, or about $27 per month.

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

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

  1. Travelers: $1,221 per year, or about $102 per month.
  2. Erie: $1,514 per year, or about $126 per month.
  3. American National: $1,552 per year, or about $129 per month.
  4. Auto-Owners: $1,580 per year, or about $132 per month.
  5. Encova: $1,592 per year, or about $133 per month.

Cheapest auto insurance in Pennsylvania 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. Travelers: $1,349 per year, or about $112 per month.
  2. American National: $1,646 per year, or about $137 per month.
  3. Erie: $1,816 per year, or about $151 per month.
  4. Progressive: $2,161 per year, or about $180 per month.
  5. Cumberland Mutual: $2,194 per year, or about $183 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 Pennsylvania for 50-year-olds

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

  1. Travelers: $929 per year, or about $77 per month.
  2. Encova: $1,033 per year, or about $86 per month.
  3. Erie: $1,078 per year, or about $90 per month.
  4. Auto-Owners: $1,087 per year, or about $91 per month.
  5. American National: $1,132 per year, or about $94 per month.

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

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

  1. Auto-Owners: $224 per year, or about $19 per month.
  2. Travelers: $231 per year, or about $19 per month.
  3. Encova: $242 per year, or about $20 per month.
  4. Erie: $247 per year, or about $21 per month.
  5. Westfield: $265 per year, or about $22 per month.

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

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

  1. Nationwide: $1,681 per year, or about $140 per month.
  2. Auto-Owners: $1,757 per year, or about $146 per month.
  3. American National: $1,798 per year, or about $150 per month.
  4. Chubb: $2,140 per year, or about $178 per month.
  5. Donegal: $2,273 per year, or about $189 per month.

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

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

  1. Auto-Owners: $236 per year, or about $20 per month.
  2. Erie: $260 per year, or about $22 per month.
  3. Travelers: $268 per year, or about $22 per month.
  4. Encova: $273 per year, or about $23 per month.
  5. Donegal: $300 per year, or about $25 per month.

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

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

  1. Travelers: $1,184 per year, or about $99 per month.
  2. Encova: $1,319 per year, or about $110 per month.
  3. Erie: $1,415 per year, or about $118 per month.
  4. Cumberland Mutual: $1,474 per year, or about $123 per month.
  5. American National: $1,516 per year, or about $126 per month.

Cheapest auto insurance in Pennsylvania 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. Travelers: $1,302 per year, or about $109 per month.
  2. American National: $1,604 per year, or about $134 per month.
  3. Erie: $1,697 per year, or about $141 per month.
  4. Allstate: $1,876 per year, or about $156 per month.
  5. Progressive: $1,965 per year, or about $164 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 Pennsylvania for 60-year-olds

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

  1. Travelers: $849 per year, or about $71 per month.
  2. Erie: $1,018 per year, or about $85 per month.
  3. American National: $1,036 per year, or about $86 per month.
  4. Auto-Owners: $1,041 per year, or about $87 per month.
  5. Encova: $1,067 per year, or about $89 per month.

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

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

  1. Auto-Owners: $221 per year, or about $18 per month.
  2. Travelers: $225 per year, or about $19 per month.
  3. Erie: $233 per year, or about $19 per month.
  4. Encova: $250 per year, or about $21 per month.
  5. Westfield: $253 per year, or about $21 per month.

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

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

  1. Nationwide: $1,564 per year, or about $130 per month.
  2. American National: $1,648 per year, or about $137 per month.
  3. Auto-Owners: $1,682 per year, or about $140 per month.
  4. Chubb: $1,734 per year, or about $145 per month.
  5. Travelers: $2,213 per year, or about $184 per month.

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

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

  1. Auto-Owners: $232 per year, or about $19 per month.
  2. Erie: $246 per year, or about $20 per month.
  3. Travelers: $260 per year, or about $22 per month.
  4. Encova: $281 per year, or about $23 per month.
  5. Chubb: $288 per year, or about $24 per month.

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

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

  1. Travelers: $1,090 per year, or about $91 per month.
  2. Cumberland Mutual: $1,104 per year, or about $92 per month.
  3. Erie: $1,344 per year, or about $112 per month.
  4. Encova: $1,353 per year, or about $113 per month.
  5. American National: $1,398 per year, or about $117 per month.

Cheapest auto insurance in Pennsylvania 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. Travelers: $1,181 per year, or about $98 per month.
  2. Cumberland Mutual: $1,439 per year, or about $120 per month.
  3. American National: $1,480 per year, or about $123 per month.
  4. Erie: $1,619 per year, or about $135 per month.
  5. Progressive: $1,866 per year, or about $156 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 Pennsylvania for 70-year-olds

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

  1. Travelers: $869 per year, or about $72 per month.
  2. Encova: $1,102 per year, or about $92 per month.
  3. Auto-Owners: $1,119 per year, or about $93 per month.
  4. Erie: $1,126 per year, or about $94 per month.
  5. Cumberland Mutual: $1,140 per year, or about $95 per month.

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

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

  1. Travelers: $249 per year, or about $21 per month.
  2. Encova: $257 per year, or about $21 per month.
  3. Auto-Owners: $258 per year, or about $22 per month.
  4. Erie: $260 per year, or about $22 per month.
  5. Westfield: $277 per year, or about $23 per month.

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

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

  1. Nationwide: $1,618 per year, or about $135 per month.
  2. Auto-Owners: $1,808 per year, or about $151 per month.
  3. American National: $1,830 per year, or about $153 per month.
  4. Chubb: $1,837 per year, or about $153 per month.
  5. Travelers: $2,335 per year, or about $195 per month.

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

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

  1. Auto-Owners: $272 per year, or about $23 per month.
  2. Erie: $275 per year, or about $23 per month.
  3. Encova: $288 per year, or about $24 per month.
  4. Travelers: $292 per year, or about $24 per month.
  5. Chubb: $307 per year, or about $26 per month.

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

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

  1. Cumberland Mutual: $1,140 per year, or about $95 per month.
  2. Travelers: $1,144 per year, or about $95 per month.
  3. Encova: $1,388 per year, or about $116 per month.
  4. Erie: $1,491 per year, or about $124 per month.
  5. American National: $1,572 per year, or about $131 per month.

Cheapest auto insurance in Pennsylvania 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. Travelers: $1,220 per year, or about $102 per month.
  2. Cumberland Mutual: $1,499 per year, or about $125 per month.
  3. American National: $1,674 per year, or about $140 per month.
  4. Erie: $1,795 per year, or about $150 per month.
  5. Allstate: $1,892 per year, or about $158 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 27 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum auto insurance limits required in Pennsylvania

Drivers in the Keystone State are required to carry at least liability insurance and medical payments coverage in the following amounts:

  • $15,000 of bodily injury liability per person.

  • $30,000 of bodily injury liability per accident.

  • $5,000 of property damage liability per accident.

  • $5,000 of medical payments coverage.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

Although this will be enough to drive legally, experts suggest getting more than the bare minimum. You might also want added protection with supplementary options, such as collision, comprehensive and uninsured motorist coverage.

Check out NerdWallet’s guide to state car insurance requirements for more information on coverage you might want on your Pennsylvania auto insurance policy.

Alternative car insurance in Pennsylvania

Pennsylvanians with checkered driving histories, extremely poor credit or other factors preventing them from buying traditional car insurance might qualify for coverage through the Pennsylvania Assigned Risk Automobile Insurance Plan.

Or, instead of buying auto insurance, residents can pay a cash deposit of $35,000 to the state. Because going this route would leave drivers vulnerable to future car accidents and crash-related lawsuits, most will find it simpler and less costly to purchase car insurance.

NerdWallet can help make it easy to find coverage at the most competitive price. Use our car insurance comparison tool to view estimates from top Pennsylvania auto insurance 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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