Compare Utica, MO Car Insurance Rates (2021)

Car insurance in Utica, MO averages $263 a month. Utica, Missouri car insurance requirements are 25/50/25, 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, MO.

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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

  • The cheapest car insurance company in Utica is Nationwide
  • Average car insurance rates in Utica, MO are $3,150/year
  • The cheapest car insurance company in Utica for teen drivers is Nationwide

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

You’ll find Utica car insurance rates, the cheapest Utica, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Utica, Missouri car insurance rates to Columbia car insurance rates, Kansas City car insurance rates, and St. Louis car insurance rates.

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

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

How do age, gender, and marital status affect Utica, MO car insurance rates? Every Utica, Missouri 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, Missouri

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 $2,765 $2,672 $2,493 $2,570 $7,783 $8,449 $2,640 $2,723
American Family $1,924 $1,924 $1,712 $1,712 $5,195 $6,763 $1,924 $2,253
Farmers $2,344 $2,341 $2,103 $2,218 $9,174 $9,492 $2,663 $2,798
GEICO $1,859 $2,071 $1,439 $1,811 $5,651 $6,009 $1,723 $1,750
Liberty Mutual $2,622 $2,848 $2,159 $2,424 $8,589 $9,547 $2,771 $2,967
Nationwide $1,401 $1,438 $1,247 $1,330 $3,496 $4,513 $1,594 $1,734
Progressive $2,032 $1,907 $1,663 $1,708 $6,385 $7,189 $2,483 $2,553
State Farm $1,602 $1,602 $1,412 $1,412 $4,343 $5,508 $1,794 $2,034
USAA $1,508 $1,499 $1,350 $1,381 $4,430 $5,421 $1,886 $2,103

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Minimum Car Insurance in Utica, MO

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

Minimum Required Car Insurance Coverage in Utica, Missouri

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Utica, MO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Utica, MO. 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, Missouri

Insurance Company Poor Fair Good
Allstate $5,528 $3,564 $2,943
American Family $3,823 $2,689 $2,265
Farmers $4,746 $3,934 $3,745
GEICO $3,850 $2,509 $2,008
Liberty Mutual $6,100 $3,702 $2,921
Nationwide $2,476 $2,034 $1,772
Progressive $3,756 $3,103 $2,861
State Farm $3,290 $2,228 $1,873
USAA $4,091 $1,895 $1,355

Cheapest Utica, MO 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, MO to rates for a clean record with top companies.

Annual Utica, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,433 $3,879 $4,842 $3,894
American Family $2,201 $3,179 $3,821 $2,502
Farmers $3,627 $4,428 $4,337 $4,175
GEICO $2,206 $2,818 $3,750 $2,383
Liberty Mutual $3,098 $4,409 $4,566 $4,891
Nationwide $1,668 $2,111 $2,782 $1,816
Progressive $2,833 $3,725 $3,118 $3,284
State Farm $2,284 $2,644 $2,464 $2,464
USAA $1,976 $2,382 $3,279 $2,152

Cheapest Utica, MO Car Insurance for Teen Drivers

Teen car insurance in Utica, MO 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, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,783 $8,449
American Family $5,195 $6,763
Farmers $9,174 $9,492
GEICO $5,651 $6,009
Liberty Mutual $8,589 $9,547
Nationwide $3,496 $4,513
Progressive $6,385 $7,189
State Farm $4,343 $5,508
USAA $4,430 $5,421

Cheapest Utica, MO Car Insurance for Seniors

Take a look at Utica, MO 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, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,493 $2,570
American Family $1,712 $1,712
Farmers $2,103 $2,218
GEICO $1,439 $1,811
Liberty Mutual $2,159 $2,424
Nationwide $1,247 $1,330
Progressive $1,663 $1,708
State Farm $1,412 $1,412
USAA $1,350 $1,381

Cheapest Utica, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Utica, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,842
American Family $3,821
Farmers $4,337
GEICO $3,750
Liberty Mutual $4,566
Nationwide $2,782
Progressive $3,118
State Farm $2,464
USAA $3,279

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Cheapest Utica, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Utica, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,012 $4,012
American Family $2,897 $2,955
Farmers $4,142 $4,142
GEICO $2,735 $2,844
Liberty Mutual $4,241 $4,241
Nationwide $2,094 $2,094
Progressive $3,240 $3,240
State Farm $2,404 $2,523
USAA $2,358 $2,536

The Best Cheap Car Insurance Companies in Utica, MO

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

Average Annual Car Insurance Rates by Company in Utica, Missouri

Insurance Company Average Annual Rates
Allstate $4,012
American Family $2,926
Farmers $4,142
GEICO $2,789
Liberty Mutual $4,241
Nationwide $2,094
Progressive $3,240
State Farm $2,464
USAA $2,447

Category Winners: Cheapest Car Insurance in Utica, Missouri

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

Best Annual Car Insurance Rates by Company in Utica, Missouri

Category Insurance Company
Teenagers Nationwide
Seniors Nationwide
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

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Cheapest Utica, MO 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, MO car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Utica, Missouri

Insurance Company Low Medium High
Allstate $3,875 $4,004 $4,157
American Family $2,838 $3,019 $2,920
Farmers $3,906 $4,106 $4,413
GEICO $2,633 $2,805 $2,929
Liberty Mutual $4,011 $4,259 $4,453
Nationwide $1,979 $2,111 $2,192
Progressive $2,943 $3,248 $3,530
State Farm $2,332 $2,470 $2,588
USAA $2,351 $2,439 $2,551

What affects car insurance rates in Utica, Missouri?

What factors can have an impact on Utica, MO 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, Missouri.

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, MO is 17.6 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, MO traffic data from INRIX ranks Utica as the 712th-most congested in the world.

Compare Car Insurance Quotes in Utica, MO

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

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