Compare Utica, NY Car Insurance Rates (2021)

Car insurance in Utica, NY averages $290 a month. Utica, New York car insurance requirements are 25/50/10, 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, NY.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Utica, NY after a DUI are $4,645/year
  • Average car insurance rates in Utica, NY are $3,478/year
  • The cheapest car insurance company in Utica is GEICO

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

You’ll find Utica car insurance rates, the cheapest Utica, NY car insurance companies, and information on New York car insurance laws. You can also compare Utica, New York car insurance rates to New Rochelle car insurance rates, Rochester car insurance rates, and Albany car insurance rates.

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

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

How do age, gender, and marital status affect Utica, NY car insurance rates? Every Utica, New York 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, New York

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 $2,478 $2,347 $2,320 $2,365 $7,333 $7,936 $2,475 $2,508
GEICO $1,664 $1,603 $1,621 $1,597 $3,566 $5,269 $1,498 $1,542
Liberty Mutual $3,978 $3,978 $3,705 $3,705 $7,769 $12,605 $3,978 $4,223
Nationwide $2,286 $2,286 $2,158 $2,158 $4,110 $6,124 $2,286 $2,920
Progressive $1,966 $1,821 $1,561 $1,586 $6,795 $7,544 $2,541 $2,459
State Farm $2,183 $2,183 $1,909 $1,909 $6,525 $8,386 $2,406 $2,541
Travelers $2,486 $2,499 $2,276 $2,434 $5,818 $6,900 $2,642 $2,748
USAA $1,564 $1,534 $1,423 $1,418 $6,377 $7,583 $1,993 $2,194

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Utica, NY

Every driver must carry the minimum car insurance in Utica, NY. Take a look at the New York car insurance requirements.

Minimum Required Car Insurance Coverage in Utica, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Utica, NY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Utica, NY. 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, New York

Insurance Company Poor Fair Good
Allstate $5,292 $3,140 $2,728
GEICO $2,876 $2,113 $1,896
Liberty Mutual $7,682 $5,027 $3,767
Nationwide $3,041 $3,041 $3,041
Progressive $5,220 $2,676 $1,956
State Farm $4,949 $3,103 $2,463
Travelers $4,761 $3,027 $2,638
USAA $4,621 $2,339 $2,072

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

Annual Utica, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,149 $3,149 $4,607 $3,976
GEICO $1,785 $1,946 $3,664 $1,785
Liberty Mutual $4,384 $4,384 $8,817 $4,384
Nationwide $2,324 $2,324 $5,138 $2,377
Progressive $3,192 $3,192 $3,541 $3,213
State Farm $3,334 $3,334 $3,676 $3,676
Travelers $2,965 $3,713 $3,767 $3,457
USAA $2,668 $2,712 $3,952 $2,712

Cheapest Utica, NY Car Insurance for Teen Drivers

Teen car insurance in Utica, NY 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, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,333 $7,936
GEICO $3,566 $5,269
Liberty Mutual $7,769 $12,605
Nationwide $4,110 $6,124
Progressive $6,795 $7,544
State Farm $6,525 $8,386
Travelers $5,818 $6,900
USAA $6,377 $7,583

Cheapest Utica, NY Car Insurance for Seniors

Take a look at Utica, NY 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, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,320 $2,365
GEICO $1,621 $1,597
Liberty Mutual $3,705 $3,705
Nationwide $2,158 $2,158
Progressive $1,561 $1,586
State Farm $1,909 $1,909
Travelers $2,276 $2,434
USAA $1,423 $1,418

Cheapest Utica, NY Car Insurance Rates After a DUI

A DUI in Utica, NY increases car insurance rates. Compare Utica, New York DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Utica, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,607
GEICO $3,664
Liberty Mutual $8,817
Nationwide $5,138
Progressive $3,541
State Farm $3,676
Travelers $3,767
USAA $3,952

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Utica, NY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Utica, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,670 $3,770
GEICO $2,227 $2,363
Liberty Mutual $5,339 $5,646
Nationwide $3,041 $3,041
Progressive $3,284 $3,284
State Farm $3,381 $3,629
Travelers $3,475 $3,475
USAA $2,981 $3,040

Cheapest Utica, NY 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, NY.

Annual Car Insurance Rates by ZIP Code in Utica, New York

ZIP Code Average Annual Rates
13501 $3,542
13502 $3,540

The Best Cheap Car Insurance Companies in Utica, NY

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

Average Annual Car Insurance Rates by Company in Utica, New York

Insurance Company Average Annual Rates
Allstate $3,720
GEICO $2,295
Liberty Mutual $5,492
Nationwide $3,041
Progressive $3,284
State Farm $3,505
Travelers $3,475
USAA $3,011

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Utica, New York

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

Best Annual Car Insurance Rates by Company in Utica, New York

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

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

Annual Car Insurance Rates by Coverage Level in Utica, New York

Insurance Company Low Medium High
Allstate $3,553 $3,710 $3,898
GEICO $2,170 $2,289 $2,426
Liberty Mutual $5,228 $5,473 $5,776
Nationwide $2,868 $3,018 $3,237
Progressive $3,129 $3,271 $3,453
State Farm $3,316 $3,527 $3,672
Travelers $3,323 $3,450 $3,653
USAA $2,921 $2,996 $3,115

What affects car insurance rates in Utica, New York?

What factors can have an impact on Utica, NY 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, New York.

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, NY is 17.2 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, NY traffic data from INRIX ranks Utica as the 712th-most congested in the world.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Utica, NY

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption