Cheap Car Insurance in Oklahoma for 2024

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

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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 Geico at $1,364 per year on average, or $114 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 $2,030 per year, or about $169 per month.

🤓Nerdy Tip

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

Minimum coverage in Oklahoma is $500 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Oklahoma at $237 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 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 2021 Toyota Camry LE. 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: $2,189 per year, or about $182 per month.
  2. Geico: $2,480 per year, or about $207 per month.
  3. Progressive: $3,823 per year, or about $319 per month.
  4. Mercury: $3,951 per year, or about $329 per month.
  5. State Farm: $4,433 per year, or about $369 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. Geico: $519 per year, or about $43 per month.
  2. American Farmers & Ranchers: $520 per year, or about $43 per month.
  3. Mercury: $895 per year, or about $75 per month.
  4. Progressive: $932 per year, or about $78 per month.
  5. State Farm: $945 per year, or about $79 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. Geico: $697 per year, or about $58 per month.
  2. American Farmers & Ranchers: $806 per year, or about $67 per month.
  3. Mercury: $1,307 per year, or about $109 per month.
  4. Hallmark: $1,343 per year, or about $112 per month.
  5. Oklahoma Farm Bureau: $1,512 per year, or about $126 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: $708 per year, or about $59 per month.
  2. Geico: $756 per year, or about $63 per month.
  3. Progressive: $1,034 per year, or about $86 per month.
  4. Mercury: $1,079 per year, or about $90 per month.
  5. State Farm: $1,090 per year, or about $91 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: $520 per year, or about $43 per month.
  2. Geico: $696 per year, or about $58 per month.
  3. Progressive: $1,080 per year, or about $90 per month.
  4. Mercury: $1,204 per year, or about $100 per month.
  5. State Farm: $1,229 per year, or about $102 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. Geico: $980 per year, or about $82 per month.
  2. Progressive: $1,000 per year, or about $83 per month.
  3. Mercury: $1,074 per year, or about $89 per month.
  4. American Farmers & Ranchers: $1,125 per year, or about $94 per month.
  5. Hallmark: $1,340 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 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. Geico: $1,375 per year, or about $115 per month.
  2. American Farmers & Ranchers: $1,568 per year, or about $131 per month.
  3. Mercury: $2,074 per year, or about $173 per month.
  4. Progressive: $2,131 per year, or about $178 per month.
  5. State Farm: $2,214 per year, or about $184 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. Geico: $240 per year, or about $20 per month.
  2. American Farmers & Ranchers: $311 per year, or about $26 per month.
  3. State Farm: $330 per year, or about $27 per month.
  4. Mercury: $393 per year, or about $33 per month.
  5. Progressive: $507 per year, or about $42 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. Geico: $1,904 per year, or about $159 per month.
  2. American Farmers & Ranchers: $2,444 per year, or about $204 per month.
  3. Oklahoma Farm Bureau: $2,564 per year, or about $214 per month.
  4. Shelter: $3,157 per year, or about $263 per month.
  5. Mercury: $3,194 per year, or about $266 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. State Farm: $381 per year, or about $32 per month.
  2. Geico: $438 per year, or about $36 per month.
  3. American Farmers & Ranchers: $450 per year, or about $38 per month.
  4. Mercury: $574 per year, or about $48 per month.
  5. Progressive: $606 per year, or about $50 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: $1,568 per year, or about $131 per month.
  2. Geico: $2,319 per year, or about $193 per month.
  3. Oklahoma Farm Bureau: $2,490 per year, or about $208 per month.
  4. State Farm: $2,665 per year, or about $222 per month.
  5. Shelter: $2,845 per year, or about $237 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. Progressive: $2,407 per year, or about $201 per month.
  2. Mercury: $2,757 per year, or about $230 per month.
  3. State Farm: $2,927 per year, or about $244 per month.
  4. Shelter: $3,178 per year, or about $265 per month.
  5. Geico: $3,301 per year, or about $275 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. Geico: $1,371 per year, or about $114 per month.
  2. American Farmers & Ranchers: $1,557 per year, or about $130 per month.
  3. Shelter: $1,894 per year, or about $158 per month.
  4. Mercury: $1,913 per year, or about $159 per month.
  5. Progressive: $1,929 per year, or about $161 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. Geico: $239 per year, or about $20 per month.
  2. American Farmers & Ranchers: $307 per year, or about $26 per month.
  3. State Farm: $334 per year, or about $28 per month.
  4. Mercury: $364 per year, or about $30 per month.
  5. Shelter: $430 per year, or about $36 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. Geico: $1,862 per year, or about $155 per month.
  2. American Farmers & Ranchers: $2,428 per year, or about $202 per month.
  3. Oklahoma Farm Bureau: $2,564 per year, or about $214 per month.
  4. Shelter: $2,692 per year, or about $224 per month.
  5. Mercury: $2,925 per year, or about $244 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. State Farm: $385 per year, or about $32 per month.
  2. Geico: $435 per year, or about $36 per month.
  3. American Farmers & Ranchers: $446 per year, or about $37 per month.
  4. Shelter: $537 per year, or about $45 per month.
  5. Mercury: $540 per year, or about $45 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: $1,557 per year, or about $130 per month.
  2. Geico: $2,255 per year, or about $188 per month.
  3. Shelter: $2,419 per year, or about $202 per month.
  4. Oklahoma Farm Bureau: $2,490 per year, or about $208 per month.
  5. State Farm: $2,583 per year, or about $215 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. Progressive: $2,186 per year, or about $182 per month.
  2. Mercury: $2,587 per year, or about $216 per month.
  3. Shelter: $2,696 per year, or about $225 per month.
  4. State Farm: $2,833 per year, or about $236 per month.
  5. Geico: $3,182 per year, or about $265 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. Geico: $1,435 per year, or about $120 per month.
  2. American Farmers & Ranchers: $1,536 per year, or about $128 per month.
  3. Shelter: $1,648 per year, or about $137 per month.
  4. Mercury: $1,760 per year, or about $147 per month.
  5. Progressive: $1,772 per year, or about $148 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. Geico: $251 per year, or about $21 per month.
  2. American Farmers & Ranchers: $300 per year, or about $25 per month.
  3. State Farm: $330 per year, or about $27 per month.
  4. Mercury: $344 per year, or about $29 per month.
  5. Shelter: $363 per year, or about $30 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. Geico: $1,937 per year, or about $161 per month.
  2. Shelter: $2,343 per year, or about $195 per month.
  3. Oklahoma Farm Bureau: $2,385 per year, or about $199 per month.
  4. American Farmers & Ranchers: $2,395 per year, or about $200 per month.
  5. Mercury: $2,685 per year, or about $224 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. State Farm: $380 per year, or about $32 per month.
  2. American Farmers & Ranchers: $437 per year, or about $36 per month.
  3. Shelter: $454 per year, or about $38 per month.
  4. Geico: $457 per year, or about $38 per month.
  5. Progressive: $535 per year, or about $45 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: $1,536 per year, or about $128 per month.
  2. Shelter: $2,084 per year, or about $174 per month.
  3. Oklahoma Farm Bureau: $2,312 per year, or about $193 per month.
  4. Geico: $2,351 per year, or about $196 per month.
  5. State Farm: $2,485 per year, or about $207 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. Progressive: $2,046 per year, or about $170 per month.
  2. Shelter: $2,318 per year, or about $193 per month.
  3. Mercury: $2,452 per year, or about $204 per month.
  4. State Farm: $2,728 per year, or about $227 per month.
  5. Oklahoma Farm Bureau: $3,202 per year, or about $267 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. Geico: $1,495 per year, or about $125 per month.
  2. American Farmers & Ranchers: $1,536 per year, or about $128 per month.
  3. Mercury: $1,607 per year, or about $134 per month.
  4. Shelter: $1,627 per year, or about $136 per month.
  5. Progressive: $1,669 per year, or about $139 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. Geico: $264 per year, or about $22 per month.
  2. American Farmers & Ranchers: $300 per year, or about $25 per month.
  3. State Farm: $305 per year, or about $25 per month.
  4. Mercury: $312 per year, or about $26 per month.
  5. Shelter: $356 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. Geico: $1,959 per year, or about $163 per month.
  2. Oklahoma Farm Bureau: $2,268 per year, or about $189 per month.
  3. Shelter: $2,298 per year, or about $191 per month.
  4. American Farmers & Ranchers: $2,395 per year, or about $200 per month.
  5. Mercury: $2,453 per year, or about $204 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: $352 per year, or about $29 per month.
  2. American Farmers & Ranchers: $437 per year, or about $36 per month.
  3. Shelter: $445 per year, or about $37 per month.
  4. Geico: $465 per year, or about $39 per month.
  5. Mercury: $522 per year, or about $44 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: $1,536 per year, or about $128 per month.
  2. Shelter: $2,053 per year, or about $171 per month.
  3. Oklahoma Farm Bureau: $2,202 per year, or about $184 per month.
  4. State Farm: $2,314 per year, or about $193 per month.
  5. Geico: $2,357 per year, or about $196 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. Progressive: $1,941 per year, or about $162 per month.
  2. Mercury: $2,281 per year, or about $190 per month.
  3. Shelter: $2,282 per year, or about $190 per month.
  4. State Farm: $2,540 per year, or about $212 per month.
  5. Oklahoma Farm Bureau: $3,060 per year, or about $255 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. Geico: $1,535 per year, or about $128 per month.
  2. American Farmers & Ranchers: $1,672 per year, or about $139 per month.
  3. Progressive: $1,745 per year, or about $145 per month.
  4. Shelter: $1,746 per year, or about $145 per month.
  5. Mercury: $1,807 per year, or about $151 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. Geico: $319 per year, or about $27 per month.
  2. State Farm: $329 per year, or about $27 per month.
  3. American Farmers & Ranchers: $346 per year, or about $29 per month.
  4. Shelter: $390 per year, or about $33 per month.
  5. Mercury: $396 per year, or about $33 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. Geico: $2,128 per year, or about $177 per month.
  2. Oklahoma Farm Bureau: $2,216 per year, or about $185 per month.
  3. Shelter: $2,494 per year, or about $208 per month.
  4. American Farmers & Ranchers: $2,607 per year, or about $217 per month.
  5. Mercury: $2,752 per year, or about $229 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: $380 per year, or about $32 per month.
  2. Shelter: $488 per year, or about $41 per month.
  3. American Farmers & Ranchers: $494 per year, or about $41 per month.
  4. Geico: $577 per year, or about $48 per month.
  5. Oklahoma Farm Bureau: $584 per year, or about $49 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: $1,672 per year, or about $139 per month.
  2. Oklahoma Farm Bureau: $2,166 per year, or about $181 per month.
  3. Shelter: $2,221 per year, or about $185 per month.
  4. State Farm: $2,361 per year, or about $197 per month.
  5. Geico: $2,531 per year, or about $211 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. Progressive: $2,032 per year, or about $169 per month.
  2. Shelter: $2,472 per year, or about $206 per month.
  3. State Farm: $2,606 per year, or about $217 per month.
  4. Mercury: $2,651 per year, or about $221 per month.
  5. Oklahoma Farm Bureau: $3,050 per year, or about $254 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 69 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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