Utica Car Insurance

How much does car insurance cost in Utica, NY? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Utica?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in New York has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Utica typically pay around $119.84 per month compared to the national average of $140.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $140.68
New York $210.02
Utica, New York $119.84

Utica, NY Best Car Insurance Companies

car insurance in Utica

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, New York Central Mutual Fire generally has the most affordable car insurance in Utica coming in around $64.88 per month. Other companies to consider if you live in Utica is USAA with an average cost of $102.46 per month and Erie which typically runs around $108.48 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Utica.

RankCompanyAverage Monthly RateComparison State Average
1 New York Central Mutual Fire $64.88-69.11%
2 USAA $102.46-51.21%
3 Erie $108.48-48.35%
4 Travelers $127.28-39.39%
5 State Farm $133.03-36.66%
6 Nationwide $134.98-35.73%
7 Preferred Mutual $135.77-35.35%
8 Safeco $139.26-33.69%
9 Allstate $155.59-25.92%
10 Central Mutual Insurance Co $172.67-17.78%

How Much is Car Insurance in Utica, NY?

how much is auto insurance in Utica

Rates can vary from city to city. The residents of Albany typically pay $117.25 per month while people who live in Bronx will pay $278.38 per month on average. See what people pay for car insurance in other cities in New York.

New York CitiesMonthly Average Rate
Albany $117.25
Bronx$278.38
Brooklyn$312.13
Buffalo $144.85
Flushing$209.53
Great Neck$164.59
Jamaica$258.87
New York $230.80
Rochester $106.09
Schenectady $110.72
Staten Island$214.93
Syracuse $121.87
Utica $119.79
White Plains $133.84
Yonkers $202.83

Cheap Car Insurance in Utica by Zip Codes

find cheap auto insurance in Utica

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of New York. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Utica, NY ZIP CodeAverage Monthly Rate
10036$209.91
13319$80.17
13440$51.90
13501$127.91
13502$108.91

Car Insurance Rates by Driver's Age Group in Utica

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $285.28 per month in Utica. Compare that to drivers in their 30’s who typically pay around $127.20 per month drivers in their 40s at $108.92 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$285.28
20s$130.19
30s$127.20
40s$108.92
50s$121.31
60s$82.13
70+$85.60

Cheapest Insurance for Teenage Drivers in Utica

If you are teen in Utica you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, New York Central Mutual Fire typically charges around $130.77 per month. This is likely the most affordable option in Utica. You might also want to consider Erie and Nationwide who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
New York Central Mutual Fire$130.77
Erie$185.58
Nationwide$231.11
USAA$268.87
Allstate$285.17

Cheapest Insurance for 20 Year-olds in Utica

20 year-olds in Utica might want to consider New York Central Mutual Fire who, on average, offers car insurance rates around $81.33 per month. USAA , Erie , Nationwide and Travelers are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
New York Central Mutual Fire$81.33
USAA$130.65
Erie$137.32
Nationwide$173.36
Travelers$178.00

Cheapest Insurance for 30 Year-olds in Utica

If you are in your 30s in Utica our research has found that New York Central Mutual Fire typically has the most affordable coverage coming in around $59.06 per month, followed by USAA at $95.55 and Travelers at $102.16.

CompanyAverage Monthly Rate
New York Central Mutual Fire$59.06
USAA$95.55
Travelers$102.16
Erie$104.35
Preferred Mutual$117.98

Cheapest Insurance for 40 Year-olds in Utica

On average, New York Central Mutual Fire offers car insurance for 40 year-olds in Utica for around $55.49 per month. If you are looking for affordable coverage, you may also want to consider USAA or Erie. The full list of top companies is below.

CompanyAverage Monthly Rate
New York Central Mutual Fire$55.49
USAA$85.20
Erie$97.33
Travelers$99.72
Tower Insurance Company of New York$106.37

Cheapest Insurance for 50 Year-olds in Utica

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Utica we found that New York Central Mutual Fire generally offers the most affordable coverage at $55.44 per month.

CompanyAverage Monthly Rate
New York Central Mutual Fire$55.44
Mercury Insurance Company$74.97
USAA$83.59
Erie$90.44
Safeco$95.44

Cheapest Insurance for 60 Year-olds in Utica

If you live in Utica and you’re in your 60s, our data indicates that New York Central Mutual Fire usually has the best rates at $59.33 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
New York Central Mutual Fire$59.33
USAA$81.67
Erie$90.21
Preferred Mutual$94.45
State Farm$99.96

Driver's Coverage Auto Insurance Rates in Utica, NY

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Utica, the average monthly rate for a driver who is currently insured is $114.60 while drivers who are not currently covered will pay around $125.91.

CoverageAverage Monthly Rate
Not Currently Insured $125.91
Currently Insured $114.60

Compare Recent Car Insurance Quotes in Utica

auto insurance quotes in Utica city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Utica a driver of a 2019 Honda Civic can expect to pay around $77.48 per month while someone that owns a 2014 Hyundai Tucson may pay around $167.61 per month. Check out the list of recent quotes in Utica below.

VehicleAverage Monthly Rate
2019 Honda Civic$77.48
2014 Hyundai Tucson$167.61
2014 Ford Flex$61.27
2016 Mazda 6$142.67
2016 Honda Hr-V$97.75
2013 Chevrolet Sonic$77.20
2019 Infiniti Q50$262.60
2014 Chevrolet Equinox$55.05
2012 Ford F150$93.95
2020 Honda Accord$76.70

FAQ's for Drivers in Utica, NY

driver’s frequently asked question in Utica

What Is the Minimum Liability Coverage Requirement in Utica, NY?

Every state requires drivers to have a minimum amount of liability coverage. New York drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Minimum coverage for serious or permanent injury to a single person
  • $50,000; Death liability coverage per person; Minimum coverage for death for a person involved in an accident
  • $10,000; Property damage liability per accident; Minimum payment for damaged property in an accident caused by you

In New York, you must have state-issued auto liability insurance coverage to register your vehicle. If you fail to continuously maintain this coverage, the Department of Motor Vehicles can suspend your driver’s license and registration.

The minimum amount of coverage is $10,000 for property damage, $25,000 for bodily injury and $50,000 for the accidental death of one person. For two or more people involved in an accident, you must carry $50,000 for bodily injury and $100,000 for death. New York also requires a minimum of $25,000 of uninsured motorist coverage.

What Is the Blood Alcohol Concentration (BAC) limit in Utica, NY?

It is against the law to operate a motor vehicle in New York with the following BAC percentages:

  • .08%+ at 21 years or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

There are different levels of DUI in New York State. For more information about New York’s DUI laws, refer to the New York Department of Motor Vehicles Alcohol and Other Drugs.

What happens if my coverage lapses?

If you experience a lapse in insurance coverage in New York State, your registration and/or driver’s license can be suspended. If you’re caught driving without insurance, you may be ticketed or arrested and your vehicle can be impounded.

Check Out Other Rates in Utica, NY Nearby Cities:

Schenectady, NY

Syracuse, NY

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Commute Time in Utica, NY

17.4 Miles
map

Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Utica, NY

116

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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