The Cheapest Car Insurance in New York for July 2024

NYCM offers the cheapest car insurance in New York, with an average annual rate of $1,053 for full coverage.
Ben Moore
By Ben Moore  
Updated

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Table of Contents

Table of Contents

Auto insurance is an important purchase, but finding cheap car insurance in New York 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 New York is NYCM at $998 per year on average, or $83 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in New York. Meanwhile, the average cost of full coverage car insurance in New York is $1,963 per year, or about $164 per month.

🤓Nerdy Tip

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

Minimum coverage in New York is $765 per year on average, but we found you can likely get a cheaper policy. For example, NYCM offers the cheapest rates in New York at $359 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Want the absolute best auto insurance? Check out our roundup of the best car insurance in New York.

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

How we chose the cheapest companies in New York

NerdWallet’s editorial team analyzed car insurance rates from 19 auto insurers in New York 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 New York. 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 New York 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 New York 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 New York for 20-year-olds

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

  1. NYCM: $1,462 per year, or about $122 per month.
  2. Main Street America: $2,125 per year, or about $177 per month.
  3. Progressive: $2,184 per year, or about $182 per month.
  4. Sterling Insurance: $2,587 per year, or about $216 per month.
  5. Erie: $2,648 per year, or about $221 per month.

Cheapest minimum coverage car insurance in New York for 20-year-olds

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

  1. NYCM: $492 per year, or about $41 per month.
  2. Main Street America: $759 per year, or about $63 per month.
  3. Sterling Insurance: $968 per year, or about $81 per month.
  4. Preferred Mutual: $977 per year, or about $81 per month.
  5. Progressive: $1,069 per year, or about $89 per month.

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

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

  1. Utica National: $1,159 per year, or about $97 per month.
  2. Preferred Mutual: $1,164 per year, or about $97 per month.
  3. NYCM: $1,207 per year, or about $101 per month.
  4. Geico: $1,258 per year, or about $105 per month.
  5. Sterling Insurance: $1,449 per year, or about $121 per month.

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

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

  1. NYCM: $594 per year, or about $50 per month.
  2. Main Street America: $785 per year, or about $65 per month.
  3. Preferred Mutual: $977 per year, or about $81 per month.
  4. Sterling Insurance: $1,053 per year, or about $88 per month.
  5. Progressive: $1,137 per year, or about $95 per month.

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

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

  1. NYCM: $594 per year, or about $50 per month.
  2. Main Street America: $984 per year, or about $82 per month.
  3. Sterling Insurance: $1,106 per year, or about $92 per month.
  4. Preferred Mutual: $1,113 per year, or about $93 per month.
  5. Progressive: $1,217 per year, or about $101 per month.

Cheapest auto insurance in New York 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. NYCM: $767 per year, or about $64 per month.
  2. Main Street America: $944 per year, or about $79 per month.
  3. Progressive: $1,085 per year, or about $90 per month.
  4. Preferred Mutual: $1,484 per year, or about $124 per month.
  5. Sterling Insurance: $1,617 per year, or about $135 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 New York for 30-year-olds

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

  1. NYCM: $1,086 per year, or about $91 per month.
  2. Preferred Mutual: $1,130 per year, or about $94 per month.
  3. Main Street America: $1,295 per year, or about $108 per month.
  4. Progressive: $1,299 per year, or about $108 per month.
  5. Sterling Insurance: $1,341 per year, or about $112 per month.

Cheapest minimum coverage car insurance in New York for 30-year-olds

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

  1. NYCM: $384 per year, or about $32 per month.
  2. Sterling Insurance: $419 per year, or about $35 per month.
  3. Preferred Mutual: $424 per year, or about $35 per month.
  4. Main Street America: $539 per year, or about $45 per month.
  5. Geico: $578 per year, or about $48 per month.

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

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

  1. Preferred Mutual: $1,392 per year, or about $116 per month.
  2. Utica National: $1,966 per year, or about $164 per month.
  3. Sterling Insurance: $2,045 per year, or about $170 per month.
  4. NYCM: $2,530 per year, or about $211 per month.
  5. Geico: $2,802 per year, or about $233 per month.

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

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

  1. Preferred Mutual: $424 per year, or about $35 per month.
  2. Sterling Insurance: $446 per year, or about $37 per month.
  3. NYCM: $455 per year, or about $38 per month.
  4. Main Street America: $555 per year, or about $46 per month.
  5. Erie: $681 per year, or about $57 per month.

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

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

  1. NYCM: $1,290 per year, or about $108 per month.
  2. Sterling Insurance: $1,638 per year, or about $137 per month.
  3. Main Street America: $1,669 per year, or about $139 per month.
  4. Progressive: $1,707 per year, or about $142 per month.
  5. Erie: $1,814 per year, or about $151 per month.

Cheapest auto insurance in New York 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: $1,332 per year, or about $111 per month.
  2. NYCM: $1,551 per year, or about $129 per month.
  3. Main Street America: $1,587 per year, or about $132 per month.
  4. Erie: $2,279 per year, or about $190 per month.
  5. The Hanover: $2,544 per year, or about $212 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 New York for 40-year-olds

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

  1. NYCM: $950 per year, or about $79 per month.
  2. Preferred Mutual: $1,130 per year, or about $94 per month.
  3. Main Street America: $1,145 per year, or about $95 per month.
  4. Progressive: $1,249 per year, or about $104 per month.
  5. Erie: $1,336 per year, or about $111 per month.

Cheapest minimum coverage car insurance in New York for 40-year-olds

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

  1. NYCM: $358 per year, or about $30 per month.
  2. Sterling Insurance: $419 per year, or about $35 per month.
  3. Preferred Mutual: $424 per year, or about $35 per month.
  4. Main Street America: $499 per year, or about $42 per month.
  5. Geico: $578 per year, or about $48 per month.

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

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

  1. Preferred Mutual: $1,392 per year, or about $116 per month.
  2. Utica National: $1,966 per year, or about $164 per month.
  3. Sterling Insurance: $2,045 per year, or about $170 per month.
  4. NYCM: $2,183 per year, or about $182 per month.
  5. Travelers: $2,662 per year, or about $222 per month.

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

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

  1. NYCM: $420 per year, or about $35 per month.
  2. Preferred Mutual: $424 per year, or about $35 per month.
  3. Sterling Insurance: $448 per year, or about $37 per month.
  4. Main Street America: $513 per year, or about $43 per month.
  5. Erie: $642 per year, or about $54 per month.

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

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

  1. NYCM: $1,121 per year, or about $93 per month.
  2. Main Street America: $1,477 per year, or about $123 per month.
  3. Sterling Insurance: $1,638 per year, or about $137 per month.
  4. Progressive: $1,640 per year, or about $137 per month.
  5. Erie: $1,683 per year, or about $140 per month.

Cheapest auto insurance in New York 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: $1,281 per year, or about $107 per month.
  2. NYCM: $1,355 per year, or about $113 per month.
  3. Main Street America: $1,384 per year, or about $115 per month.
  4. Erie: $2,131 per year, or about $178 per month.
  5. The Hanover: $2,437 per year, or about $203 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 New York for 50-year-olds

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

  1. NYCM: $877 per year, or about $73 per month.
  2. Preferred Mutual: $934 per year, or about $78 per month.
  3. Sterling Insurance: $1,096 per year, or about $91 per month.
  4. Main Street America: $1,133 per year, or about $94 per month.
  5. Progressive: $1,180 per year, or about $98 per month.

Cheapest minimum coverage car insurance in New York for 50-year-olds

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

  1. Sterling Insurance: $350 per year, or about $29 per month.
  2. NYCM: $352 per year, or about $29 per month.
  3. Preferred Mutual: $355 per year, or about $30 per month.
  4. Utica National: $485 per year, or about $40 per month.
  5. Main Street America: $499 per year, or about $42 per month.

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

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

  1. Preferred Mutual: $1,144 per year, or about $95 per month.
  2. Utica National: $1,601 per year, or about $133 per month.
  3. Sterling Insurance: $1,659 per year, or about $138 per month.
  4. NYCM: $2,016 per year, or about $168 per month.
  5. Travelers: $2,519 per year, or about $210 per month.

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

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

  1. Preferred Mutual: $355 per year, or about $30 per month.
  2. Sterling Insurance: $375 per year, or about $31 per month.
  3. NYCM: $413 per year, or about $34 per month.
  4. Main Street America: $513 per year, or about $43 per month.
  5. Erie: $618 per year, or about $51 per month.

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

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

  1. NYCM: $1,034 per year, or about $86 per month.
  2. Sterling Insurance: $1,393 per year, or about $116 per month.
  3. Main Street America: $1,484 per year, or about $124 per month.
  4. Progressive: $1,585 per year, or about $132 per month.
  5. Erie: $1,591 per year, or about $133 per month.

Cheapest auto insurance in New York 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: $1,219 per year, or about $102 per month.
  2. NYCM: $1,237 per year, or about $103 per month.
  3. Main Street America: $1,373 per year, or about $114 per month.
  4. Erie: $2,014 per year, or about $168 per month.
  5. The Hanover: $2,364 per year, or about $197 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 New York for 60-year-olds

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

  1. NYCM: $858 per year, or about $72 per month.
  2. Preferred Mutual: $931 per year, or about $78 per month.
  3. Sterling Insurance: $1,096 per year, or about $91 per month.
  4. Main Street America: $1,144 per year, or about $95 per month.
  5. Progressive: $1,172 per year, or about $98 per month.

Cheapest minimum coverage car insurance in New York for 60-year-olds

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

  1. NYCM: $349 per year, or about $29 per month.
  2. Sterling Insurance: $350 per year, or about $29 per month.
  3. Preferred Mutual: $355 per year, or about $30 per month.
  4. Utica National: $485 per year, or about $40 per month.
  5. Main Street America: $516 per year, or about $43 per month.

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

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

  1. Preferred Mutual: $1,144 per year, or about $95 per month.
  2. Utica National: $1,601 per year, or about $133 per month.
  3. Sterling Insurance: $1,659 per year, or about $138 per month.
  4. NYCM: $2,002 per year, or about $167 per month.
  5. Chubb: $2,315 per year, or about $193 per month.

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

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

  1. Preferred Mutual: $355 per year, or about $30 per month.
  2. Sterling Insurance: $375 per year, or about $31 per month.
  3. NYCM: $409 per year, or about $34 per month.
  4. Main Street America: $530 per year, or about $44 per month.
  5. Erie: $609 per year, or about $51 per month.

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

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

  1. NYCM: $1,028 per year, or about $86 per month.
  2. Sterling Insurance: $1,393 per year, or about $116 per month.
  3. Main Street America: $1,519 per year, or about $127 per month.
  4. Erie: $1,527 per year, or about $127 per month.
  5. Progressive: $1,572 per year, or about $131 per month.

Cheapest auto insurance in New York 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: $1,212 per year, or about $101 per month.
  2. NYCM: $1,232 per year, or about $103 per month.
  3. Main Street America: $1,392 per year, or about $116 per month.
  4. Erie: $1,950 per year, or about $163 per month.
  5. The Hanover: $2,342 per year, or about $195 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 New York for 70-year-olds

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

  1. Preferred Mutual: $1,022 per year, or about $85 per month.
  2. Sterling Insurance: $1,036 per year, or about $86 per month.
  3. NYCM: $1,132 per year, or about $94 per month.
  4. Progressive: $1,283 per year, or about $107 per month.
  5. Erie: $1,293 per year, or about $108 per month.

Cheapest minimum coverage car insurance in New York for 70-year-olds

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

  1. Sterling Insurance: $367 per year, or about $31 per month.
  2. Preferred Mutual: $400 per year, or about $33 per month.
  3. NYCM: $453 per year, or about $38 per month.
  4. Utica National: $530 per year, or about $44 per month.
  5. Central Insurance: $542 per year, or about $45 per month.

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

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

  1. Preferred Mutual: $1,177 per year, or about $98 per month.
  2. Sterling Insurance: $1,566 per year, or about $131 per month.
  3. Utica National: $1,643 per year, or about $137 per month.
  4. Chubb: $2,391 per year, or about $199 per month.
  5. Erie: $2,644 per year, or about $220 per month.

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

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

  1. Sterling Insurance: $395 per year, or about $33 per month.
  2. Preferred Mutual: $400 per year, or about $33 per month.
  3. NYCM: $542 per year, or about $45 per month.
  4. Main Street America: $634 per year, or about $53 per month.
  5. Erie: $646 per year, or about $54 per month.

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

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

  1. Sterling Insurance: $1,337 per year, or about $111 per month.
  2. NYCM: $1,373 per year, or about $114 per month.
  3. Erie: $1,633 per year, or about $136 per month.
  4. Preferred Mutual: $1,834 per year, or about $153 per month.
  5. Progressive: $1,843 per year, or about $154 per month.

Cheapest auto insurance in New York 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: $1,376 per year, or about $115 per month.
  2. NYCM: $1,674 per year, or about $140 per month.
  3. Main Street America: $1,739 per year, or about $145 per month.
  4. Erie: $2,077 per year, or about $173 per month.
  5. The Hanover: $2,522 per year, or about $210 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 3 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum auto insurance limits required in New York

New York auto insurance laws require car owners to carry liability insurance, personal injury protection (PIP) and uninsured motorist bodily injury coverage (UMBI).

The minimum coverage limits in New York are:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per accident.

  • $50,000 liability for death per person.

  • $100,000 liability for death per accident.

  • $10,000 property damage liability per accident.

  • $50,000 PIP.

  • $25,000 UMBI per person.

  • $50,000 UMBI per accident.

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.

Personal injury protection will cover your medical bills and expenses if you’re injured in a car crash, up to your policy limits, no matter whose fault it was. Depending on your state, PIP may also pay for:

  • Lost wages if you’re unable to work due to injuries from an accident.

  • Services you can no longer perform, like house cleaning or child care, because of your injuries.

  • Funeral costs if an accident-related injury leads to death.

  • A small death benefit as a cash payout.

Uninsured motorist coverage will cover expenses from injuries or damage after an accident with a driver who doesn’t have car insurance. Underinsured motorist coverage will cover the same expenses if you’re hit by a driver with some car insurance, but not enough to cover all costs from the crash.

For the best financial protection, consider buying more than the bare minimum coverage. Any costs that surpass your coverage limits would have to come out of your own pocket, so with these minimums, a serious accident could easily leave you owing more than, say, $10,000 to repair another driver's car.

Alternative car insurance in New York

If car insurance companies are declining to offer you coverage due to DUIs, crashes or other factors, you could qualify for car insurance through the New York Automobile Insurance Plan (NYAIP).

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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