Compare Utica, MI Car Insurance Rates (2021)

Car insurance in Utica, MI averages $1,035 a month. Utica, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Utica car insurance rates, compare quotes from the top car insurance companies in Utica, MI.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Utica, MI are $12,415/year
  • The cheapest ZIP code in Utica is 48316
  • The cheapest car insurance company in Utica is USAA

If you need to buy Utica, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Utica, MI is right here.

You’ll find Utica car insurance rates, the cheapest Utica, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Utica, Michigan car insurance rates to Lansing car insurance rates, Troy car insurance rates, and Sterling Heights car insurance rates.

Ready to find affordable Utica, MI car insurance today? Enter your ZIP code for fast, free Utica car insurance quotes.

Cheapest Utica, MI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Utica, MI car insurance rates? Every Utica, Michigan car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Utica, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $18,877 $18,877 $17,502 $17,502 $47,818 $47,818 $19,901 $19,901
Farmers $9,229 $9,229 $8,528 $8,528 $20,546 $20,546 $10,474 $10,474
GEICO $6,059 $6,059 $6,208 $6,208 $16,375 $16,375 $5,761 $5,761
Liberty Mutual $17,000 $17,000 $16,835 $16,835 $39,533 $39,533 $17,000 $17,000
Nationwide $4,583 $4,583 $4,077 $4,077 $12,287 $12,287 $5,038 $5,038
Progressive $3,787 $3,471 $3,340 $3,776 $14,168 $14,991 $4,407 $3,984
State Farm $9,612 $9,612 $8,982 $8,982 $34,733 $34,733 $11,319 $11,319
Travelers $6,300 $6,300 $5,411 $5,411 $19,015 $19,015 $6,844 $6,844
USAA $2,740 $2,583 $2,581 $2,425 $6,874 $6,517 $3,345 $3,193

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Minimum Car Insurance in Utica, MI

Every driver must carry the minimum car insurance in Utica, MI. Take a look at the Michigan car insurance requirements.

Minimum Required Car Insurance Coverage in Utica, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Utica, MI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Utica, MI. Compare credit history car insurance rates in Utica from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Utica, Michigan

Insurance Company Poor Fair Good
Allstate $39,427 $21,866 $16,781
Farmers $17,936 $9,678 $8,969
GEICO $11,087 $8,124 $6,591
Liberty Mutual $35,761 $20,638 $11,377
Nationwide $8,143 $6,137 $5,208
Progressive $7,511 $6,308 $5,653
State Farm $26,269 $13,248 $8,968
Travelers $9,627 $9,335 $9,216
USAA $5,659 $3,230 $2,457

Cheapest Utica, MI Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Utica, MI to rates for a clean record with top companies.

Annual Utica, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $12,495 $16,720 $57,233 $17,650
Farmers $10,141 $13,133 $12,899 $12,605
GEICO $2,968 $6,380 $19,508 $5,546
Liberty Mutual $15,417 $18,912 $36,042 $19,996
Nationwide $5,550 $7,445 $6,738 $6,252
Progressive $5,462 $7,263 $6,504 $6,734
State Farm $10,068 $12,188 $27,023 $15,367
Travelers $6,348 $9,076 $14,635 $7,511
USAA $3,035 $3,804 $4,980 $3,310

Cheapest Utica, MI Car Insurance for Teen Drivers

Teen car insurance in Utica, MI can be expensive. Take a look at rates from the top car insurance companies in Utica for teenagers.

Annual Car Insurance Rates for Teen Drivers in Utica, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $47,818 $47,818
Farmers $20,546 $20,546
GEICO $16,375 $16,375
Liberty Mutual $39,533 $39,533
Nationwide $12,287 $12,287
Progressive $14,168 $14,991
State Farm $34,733 $34,733
Travelers $19,015 $19,015
USAA $6,874 $6,517

Cheapest Utica, MI Car Insurance for Seniors

Take a look at Utica, MI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Utica, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,502 $17,502
Farmers $8,528 $8,528
GEICO $6,208 $6,208
Liberty Mutual $16,835 $16,835
Nationwide $4,077 $4,077
Progressive $3,340 $3,776
State Farm $8,982 $8,982
Travelers $5,411 $5,411
USAA $2,581 $2,425

Cheapest Utica, MI Car Insurance Rates After a DUI

A DUI in Utica, MI increases car insurance rates. Compare Utica, Michigan DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Utica, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $57,233
Farmers $12,899
GEICO $19,508
Liberty Mutual $36,042
Nationwide $6,738
Progressive $6,504
State Farm $27,023
Travelers $14,635
USAA $4,980

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Cheapest Utica, MI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Utica, MI by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Utica, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $26,024 $26,024
Farmers $12,194 $12,194
GEICO $8,404 $8,797
Liberty Mutual $21,826 $23,358
Nationwide $6,496 $6,496
Progressive $6,491 $6,491
State Farm $15,716 $16,607
Travelers $9,339 $9,446
USAA $3,739 $3,825

Cheapest Utica, MI Car Insurance Rates by ZIP Code

Utica car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Utica, MI.

Annual Car Insurance Rates by ZIP Code in Utica, Michigan

ZIP Code Average Annual Rates
48315 $8,868
48317 $8,568
48316 $7,999

The Best Cheap Car Insurance Companies in Utica, MI

Take a look at a side-by-side comparison of the top car insurance companies in Utica, MI to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Utica, Michigan

Insurance Company Average Annual Rates
Allstate $26,024
Farmers $12,194
GEICO $8,601
Liberty Mutual $22,592
Nationwide $6,496
Progressive $6,491
State Farm $16,162
Travelers $9,393
USAA $3,782

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Category Winners: Cheapest Car Insurance in Utica, Michigan

Find the cheapest car insurance companies in Utica, MI for each category right here.

Best Annual Car Insurance Rates by Company in Utica, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Utica, MI Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Utica car insurance rates. Find the cheapest Utica, MI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Utica, Michigan

Insurance Company Low Medium High
Allstate $25,399 $26,080 $26,594
Farmers $11,848 $12,159 $12,576
GEICO $8,022 $8,515 $9,264
Liberty Mutual $22,138 $22,548 $23,090
Nationwide $6,784 $6,391 $6,314
Progressive $6,279 $6,498 $6,695
State Farm $15,285 $16,270 $16,930
Travelers $9,290 $9,404 $9,484
USAA $3,656 $3,793 $3,898

What affects car insurance rates in Utica, Michigan?

What factors can have an impact on Utica, MI car insurance? There are several reasons why Utica car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Utica, Michigan.

Car Theft in Utica

High levels of vehicle theft can make car insurance more expensive. Utica, MI car theft statistics from the FBI indicate 2 vehicle thefts a year.

Commute Time in Utica

The more time you spend in your car the higher the risk of an accident. The average commute length in Utica, MI is 29.4 minutes according to City-Data.

Traffic in Utica

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Utica, MI traffic data from INRIX ranks Utica as the 712th-most congested in the world.

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Compare Car Insurance Quotes in Utica, MI

Ready to find affordable Utica, Michigan car insurance today? Enter your ZIP code for fast, free Utica, MI car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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