Best Cheap Auto Insurance in Utica, MI (2021)

The average Utica, MI auto insurance rates are $1,035 per month. The minimum auto insurance in Utica is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Utica, Michigan, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Utica for teen drivers is Allstate
  • The cheapest auto insurance company in Utica is USAA
  • The average commute length in Utica is 29.4 minutes

Utica, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Utica can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Utica, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Utica to other Michigan cities, including Flint auto insurance rates, Livonia auto insurance rates, and Warren auto insurance rates to see how Utica, Michigan auto insurance rates stack up.

Before you buy Utica, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Utica, Michigan auto insurance quotes.

Minimum Auto Insurance in Utica, Michigan

Utica, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Utica, Michigan.

Minimum Required Auto 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

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Cheap Utica, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Utica, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Utica, Michigan Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Utica, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Utica, Michigan.

Annual Auto 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

Cheap Utica, Michigan Auto Insurance for Seniors

What are senior auto insurance rates in Utica, Michigan? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Utica, Michigan Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Utica, Michigan compared to the annual auto insurance rates with a clean record in Utica, Michigan.

Annual Utica, Michigan Auto 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

Cheap Utica, Michigan Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Utica, Michigan is not easy. Compare the annual rates for DUI auto insurance in Utica, Michigan to find the best deal.

Annual Auto Insurance Rates After a DUI in Utica, Michigan

Insurance Company Annual Auto 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

Cheap Utica, Michigan Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Utica, Michigan annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Utica, Michigan Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Utica, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Utica, Michigan to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Utica, Michigan

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

Cheap Utica, Michigan Auto Insurance Rates By Commute

Commute length and annual mileage affect Utica, Michigan auto insurance. Find the cheapest annual Utica, Michigan auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Utica, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Utica, Michigan Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Utica, Michigan? Check out the comparison of annual Utica, Michigan auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Utica, Michigan

Compare the cheapest auto insurance companies in Utica, Michigan in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Utica, Michigan Auto Insurance Companies

What auto insurance companies in Utica, Michigan are the cheapest? Compare the top Utica, Michigan auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Utica, Michigan?

There are a lot of reasons why auto insurance rates in Utica, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Utica, Michigan. Many local factors may affect your Utica auto insurance rates.

Utica Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Utica, Michigan auto theft statistics, there have been 2 auto thefts in the city.

Utica Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Utica, Michigan commute length is 29.4 minutes according to City-Data.

Utica Traffic

How does Utica, Michigan rank for traffic? According to Inrix Utica, Michigan is the 712th most congested worldwide.

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Compare Utica, Michigan Auto Insurance Quotes

Before you buy Utica, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Utica, Michigan auto insurance quotes.

Free Auto Insurance Comparison

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

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