Don’t know how. The MYP was $100 yr cheaper than MYLR here in NY. Was told because they have a lower loss rate, I assume cause there is less of them.Is the MYP insurance really higher than LR? When I got a quote from Geico, it didn't ask me what type of Y it is. However, it did double from what I am paying for a 2021 F150. I'm thinking of switching my LR order to a Performance.