Best Cheap Auto Insurance in Utica, NE (2021)

The average Utica, NE auto insurance rates are $274 per month. The minimum auto insurance in Utica is at least 25/50/25 in coverage to comply with Nebraska auto insurance laws. To find the best cheap auto insurance in Utica, Nebraska, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 minimum auto insurance required in Utica, Nebraska is 25/50/25
  • The cheapest auto insurance company in Utica is American Family
  • The most expensive auto insurance company in Utica for teen drivers is Liberty Mutual

Utica, Nebraska auto insurance requirements are 25/50/25 according to Nebraska 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, Nebraska, including driving record, credit, commute time, and more.

Compare auto insurance in Utica to other Nebraska cities, including Grand Island auto insurance rates, Kearney auto insurance rates, and Omaha auto insurance rates to see how Utica, Nebraska auto insurance rates stack up.

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

Minimum Auto Insurance in Utica, Nebraska

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

Minimum Required Auto Insurance Coverage in Utica, Nebraska

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

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

Auto insurance rates in Utica, Nebraska 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, Nebraska

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 $1,999 $1,901 $1,784 $1,799 $5,633 $5,936 $2,236 $2,278
American Family $1,730 $1,730 $1,575 $1,575 $2,899 $4,264 $1,692 $1,830
Farmers $2,289 $2,281 $2,052 $2,157 $8,715 $9,002 $2,591 $2,718
GEICO $2,747 $2,695 $2,692 $2,591 $5,684 $7,440 $2,478 $2,399
Liberty Mutual $3,162 $3,429 $2,498 $3,038 $13,923 $15,641 $3,308 $3,666
Nationwide $1,794 $1,849 $1,609 $1,719 $4,223 $5,256 $2,077 $2,246
Progressive $2,035 $1,967 $1,671 $1,733 $7,772 $8,769 $2,438 $2,611
State Farm $1,544 $1,544 $1,355 $1,355 $4,205 $5,361 $1,706 $1,932
USAA $1,328 $1,321 $1,214 $1,243 $4,252 $5,070 $1,709 $1,899

Cheap Utica, Nebraska Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Utica, Nebraska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,633 $5,936
American Family $2,899 $4,264
Farmers $8,715 $9,002
GEICO $5,684 $7,440
Liberty Mutual $13,923 $15,641
Nationwide $4,223 $5,256
Progressive $7,772 $8,769
State Farm $4,205 $5,361
USAA $4,252 $5,070

Cheap Utica, Nebraska Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Utica, Nebraska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,784 $1,799
American Family $1,575 $1,575
Farmers $2,052 $2,157
GEICO $2,692 $2,591
Liberty Mutual $2,498 $3,038
Nationwide $1,609 $1,719
Progressive $1,671 $1,733
State Farm $1,355 $1,355
USAA $1,214 $1,243

Cheap Utica, Nebraska 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, Nebraska compared to the annual auto insurance rates with a clean record in Utica, Nebraska.

Annual Utica, Nebraska Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,553 $2,883 $3,488 $2,859
American Family $2,116 $2,300 $2,116 $2,116
Farmers $3,367 $4,310 $4,203 $4,022
GEICO $2,306 $3,313 $4,992 $3,752
Liberty Mutual $5,209 $6,152 $6,663 $6,308
Nationwide $1,851 $2,663 $3,781 $2,093
Progressive $3,082 $4,517 $3,446 $3,452
State Farm $2,205 $2,545 $2,375 $2,375
USAA $1,708 $2,157 $3,218 $1,935

Cheap Utica, Nebraska Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Utica, Nebraska

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,488
American Family $2,116
Farmers $4,203
GEICO $4,992
Liberty Mutual $6,663
Nationwide $3,781
Progressive $3,446
State Farm $2,375
USAA $3,218

Cheap Utica, Nebraska Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Utica, Nebraska

Insurance Company Poor Fair Good
Allstate $3,649 $2,784 $2,404
American Family $2,897 $1,980 $1,610
Farmers $4,554 $3,777 $3,596
GEICO $4,105 $3,563 $3,104
Liberty Mutual $8,781 $5,305 $4,164
Nationwide $3,116 $2,489 $2,185
Progressive $4,162 $3,491 $3,221
State Farm $3,451 $2,069 $1,606
USAA $2,996 $2,036 $1,732

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Cheap Utica, Nebraska Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Utica, Nebraska

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $2,946 $2,946
American Family $2,145 $2,180
Farmers $3,976 $3,976
GEICO $3,535 $3,646
Liberty Mutual $6,083 $6,083
Nationwide $2,597 $2,597
Progressive $3,624 $3,624
State Farm $2,315 $2,436
USAA $2,229 $2,280

Cheap Utica, Nebraska Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Utica, Nebraska

Insurance Company Low Medium High
Allstate $2,871 $2,940 $3,026
American Family $2,147 $2,226 $2,112
Farmers $3,816 $3,921 $4,191
GEICO $3,506 $3,587 $3,679
Liberty Mutual $5,906 $6,048 $6,295
Nationwide $2,628 $2,588 $2,574
Progressive $3,465 $3,616 $3,792
State Farm $2,280 $2,371 $2,474
USAA $2,176 $2,251 $2,336

Best By Category: Cheapest Auto Insurance in Utica, Nebraska

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

Best Annual Auto Insurance Rates by Company in Utica, Nebraska

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

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The Cheapest Utica, Nebraska Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Utica, Nebraska

Insurance Company Average Annual Rates
Allstate $2,946
American Family $2,162
Farmers $3,976
GEICO $3,591
Liberty Mutual $6,083
Nationwide $2,597
Progressive $3,624
State Farm $2,375
USAA $2,254

What affects auto insurance rates in Utica, Nebraska?

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

Utica Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Utica, Nebraska commute length is 18.1 minutes according to City-Data.

Utica Traffic

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

Compare Utica, Nebraska Auto Insurance Quotes

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