Utica National vs. Foremost Insurance

Which insurance provider is right for you? Compare price, savings, and quotes from Utica National and Foremost.

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Utica National vs. Foremost: What You Need to Know

Utica Mutual Compensation Company was founded in 1914 as a workers compensation insurance carrier. The company quickly expanded its business by offering more coverage options and quickly becoming one of the New York State’s most successful and respectful mutual insurance organizations. Utica adopted the independent agent system in 1928 in order to sell auto insurance in areas not easily accessed by the office located in New York. Even during the Great Depression and World War II, the company kept growing and expanding. By the end of the 1940’s, Utica’s assets had more than doubled. Today, Utica National Insurance Group is an award-winning, nationally recognized organization which provides a variety of personal and commercial insurance products, through more than 2,200 independent agents across the country. The company has seven regional offices located in Virginia, Ohio, two in New York, Massachusetts, Texas, and Georgia.

In 1952, Edward J Frey and Edward L. Stoddard founded Foremost Insurance Company. Their focus was originally on people who lived in mobile homes. They created the first mobile home insurance policy in history. The company also developed safety standards for mobile homes. Today the company offers a wide range of insurance, including auto insurance, RV insurance business insurance, and home insurance. Foremost Insurance Group is a member of the Farmers Insurance Group of Companies and has more than 38,000 agents across the country, operating in all 50 states. Foremost Insurance rebranded its auto insurance line as Bristol West in 2018 to improve its customer service and claims handling processes. Foremost Insurance has a great reputation as a reliable insurer of nonstandard high-risk auto policies and older homes.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Utica National Ins Group Overview and Foremost Overview.

Utica National Ins Group vs. Foremost: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Utica National Ins Group and Foremost. On average, Utica National Ins Group charges approximately $102.74 per month while Foremost comes in at around $ per month. For Utica National Ins Group, the cheapest state average is Virginia at $86.63 per month and the most expensive is Connecticut at $175.01 per month. For Foremost, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month.

Utica National Ins Group

Average Rate

$102.74
Foremost

Average Rate

$
National

Average Rate

$120.03
State Utica National Ins Group Foremost
Connecticut $175.01 -
Indiana $127.20 -
North Carolina $89.90 -
Virginia $86.63 -

Utica National Ins Group vs. Foremost: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Utica National Ins Group and Foremost typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Utica National Ins Group Foremost
1 Vehicle $93.49 $
2 Vehicles $134.63 $
3 Vehicles $154.79 $

Utica National Ins Group vs. Foremost: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Utica National Ins Group charges $105.74 per month and Foremost charges $0.00 per month for customers who own their home.

Own/Rent Utica National Ins Group Foremost
Own $105.74 $0.00
Rent $101.31 $0.00

What is Utica National and Foremost Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Utica National and Foremost ranked among the industry ratings.

ComparisonUtica NationalForemost
Year Founded19141952
A.M. Best RatingA-A
BBB RatingA+
Financial StrengthExcellentExcellent
NAIC Complaint Index0.65
S&P RatingA

Utica National or Foremost: Insurance Products Offered

What coverage is available through Utica National and Foremost? Both insurance companies offer Auto, Commercial, Home, Motorcycle, and RV insurance. Additional products from Utica National insurance also includes Renters and Umbrella insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Utica National Ins Group and Foremost Insurance page.

InsuranceUtica NationalForemost
Auto Insurance
Commercial Insurance
Home Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Utica National or Foremost: Ways To Save

Foremost offers a wide range of discounts to its policyholders, including Multi-policy, One Household, One Policy for All Vehicles, and Pay-in-Full discounts. However, Utica National also offers a few discounts that Foremost doesn’t, including Pay in Full, Multi-Vehicle, and Good Student discounts. Start taking advantage of discounts offered by insurance providers like Foremost and Utica National insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Utica NationalForemost
Airbags & motorized seat beltsMature Driver Discount
Annual Mileage DiscountMulti-policy Discount
Anti-lock brakesOne Household, One Policy for All Vehicles
Anti-Theft DevicePay-in-Full Discount
Away at School Discount
Bundled Discount
Company Car Discount
Electronic Funds Transfer
Electronic stability control
Go Green Vehicle Discount
Good Student Discount
Multi-Vehicle Discount
Pay in Full Discount

Pros & Cons of Utica National & Foremost

Pros

Utica National
  • Utica National Insurance is a financially stable company.
  • The company is one of the largest insurance companies in the United States.
  • It’s easy to report a claim - the company has a 24/7/365 service available and you can start the claim process through phone, online, fax or mail.
Foremost
  • For over 50 years, Foremost has been the top insurance company writing mobile home insurance.
  • Offers superior customer care and claims handling.

Cons

Utica National
  • The company is not considered low-priced by those who have tickets or accidents on their record.
  • Utica National doesn’t offer an online quote. Visit here for online quotes.
Foremost
  • The mobile app confuses users because it’s really an app for internal employees of Foremost Insurance Group. Policyholders cannot obtain any insurance services through the app.
  • Homeowners insurance is not the best fit for standard homes which require more coverage.

Utica or Foremost Mobile Apps Options

The Foremost Insurance Group mobile app, available for iOS and android, is not intended for billing or insurance information. This is an app for Foremost Insurance Group corporate and agent events. It’s only for internal use by the Foremost employees. For account information, you can use the Foremost website.

Utica National Mobile App
Utica National does not have a mobile app.
Foremost Mobile App
iOS     1.25 user reviews
Android     1.563 user reviews

Utica National & Foremost Contact Info

Utica National Contact Info
Address180 Genesee St, New Hartford, NY 13413
Phone1-800-589-8422
Websitehttps://www.uticanational.com/
Facebookhttps://www.facebook.com/uticanational/
Linkedinhttps://www.linkedin.com/company/uticanational/
Twitterhttps://twitter.com/uticanational
Foremost Contact Info
Address5600 Beech Tree Lane, Caledonia, MI 49316
Phone1-800-532-4221
Websitehttps://www.foremost.com/about-foremost/
Facebookhttps://www.facebook.com/ForemostInsurance/
Twitterhttps://twitter.com/Foremost
Youtubehttps://www.youtube.com/user/foremostinsurance
Linkedinhttps://www.linkedin.com/company/foremost-insurance/

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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