Best Cheap Auto Insurance in Utica, NY (2021)

The average Utica, NY auto insurance rates are $290 per month. The minimum auto insurance in Utica is at least 25/50/10 in coverage to comply with New York auto insurance laws. To find the best cheap auto insurance in Utica, New York, 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: Jul 16, 2021

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Things to Remember

  • The minimum auto insurance required in Utica, New York is 25/50/10
  • The average commute length in Utica is 17.2 minutes
  • Average auto insurance rates in Utica, NY for senior drivers are $2,134 per year

Utica, New York auto insurance requirements are 25/50/10 according to New York 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, New York, including driving record, credit, commute time, and more.

Compare auto insurance in Utica to other New York cities, including New York auto insurance rates, Rochester auto insurance rates, and Yonkers auto insurance rates to see how Utica, New York auto insurance rates stack up.

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

Minimum Auto Insurance in Utica, New York

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

Minimum Required Auto 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

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Cheap Utica, New York Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Utica, New York 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, 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

Cheap Utica, New York Auto Insurance for Teen Drivers

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

Annual Auto 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

Cheap Utica, New York Auto Insurance for Seniors

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

Annual Auto 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

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

Annual Utica, New York Auto 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

Cheap Utica, New York Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto 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

Cheap Utica, New York Auto Insurance By Credit History

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

Annual Auto 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

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Cheap Utica, New York Auto Insurance Rates By ZIP Code

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

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

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

Cheap Utica, New York Auto Insurance Rates By Commute

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

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

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

Cheap Utica, New York Auto Insurance Rates By Coverage Level

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

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Utica, New York

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

Best Annual Auto 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

The Cheapest Utica, New York Auto Insurance Companies

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

Average Annual Auto 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

What affects auto insurance rates in Utica, New York?

There are a lot of reasons why auto insurance rates in Utica, New York are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Utica, New York. 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, New York commute length is 17.2 minutes according to City-Data.

Utica Traffic

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

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Compare Utica, New York Auto Insurance Quotes

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