Consumer Protection Law
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If the insurer did not notify you of cancellation of the policy and did not bill you or take out an automatic payment without notice to you, then your first step is notifying the state Insurance Commissioner regarding their failure to bill and cancellation without notice. If the Insurance Commissioner's office cannot resolve this dispute, you have a breach of contract claim against the insurer and can also claim this as an unfair and deceptive practice to increase your rates and you would then be able to sue the insurance company for that breach and unfair practice in court and seek damages that their breach has caused you to incur.
So those are your steps to take to resolve this matter with the insurer if they refuse to reinstate your policy at the original rate.