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...

Full Bio →

Written by

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Just What's Essential

  • Average car insurance rates in Utica, NY are $290/month
  • The cheapest car insurance company in Utica for teen drivers is GEICO
  • The cheapest car insurance company in Utica after a DUI is Progressive

Average car insurance rates in Utica, New York are $290 a month. But with a little research you can get a great deal from the top car insurance companies in Utica, NY. Before you buy Utica, New York car insurance, make sure your coverage meets or exceeds the New York minimum of 25/50/10.

It may even be helpful to compare Utica car insurance rates with Rochester car insurance rates, Mount Vernon car insurance rates, or Buffalo car insurance rates to make sure you’re getting the best Utica, NY car insurance quotes available.

Need affordable Utica, NY car insurance? Enter your ZIP code to compare Utica car insurance quotes from multiple car insurance companies near you.

Utica, NY Minimum Car Insurance Coverage

Utica, New York law requires drivers carry a minimum of 25/50/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car 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

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

secured lock Secured with SHA-256 Encryption

Utica, NY Car Insurance Rates by Coverage Level

Some Utica drivers can get by with the New York minimum coverage of 25/50/10. Other drivers may need more. See how much your Utica, New York car insurance rates may be based on the coverage you need.

Annual Car 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

Utica, NY Car Insurance Rates by Age, Gender, and Marital Status

Utica, New York car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Utica, NY car insurance, get quotes from multiple car insurance companies in the Utica area and see how these criteria affect your rates.

Annual Car 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

Utica, NY Car Insurance Rates for Teens

How much is Utica, New York car insurance for teens? Compare rates from top Utica car insurance companies below to help find the cheapest teen car insurance in Utica, NY.

Annual Car 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

Utica, NY Car Insurance Rates for Seniors

Before seniors buy Utica, New York car insurance, they should make sure to shop around. Some Utica, NY car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car 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

Utica, NY Car Insurance Rates by Credit History

How does your credit history affect Utica, NY car insurance rates? Review the numbers here to find out.

Annual Car 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

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

secured lock Secured with SHA-256 Encryption

Utica, NY Car Insurance Rates by Driver History

How does a single speeding ticket affect your Utica, New York car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Utica.

Annual Utica, New York Car 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

Utica, NY Car Insurance Rates With a DUI

Even a single DUI can increase your Utica, NY car insurance rates. Compare rates below to see which Utica car insurance company has the best rates for drivers with a DUI.

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

Insurance Company Annual Car 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

Utica, NY Car Insurance Rates by ZIP Code

Just like Utica car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Utica, NY car insurance rates fluctuate by ZIP code.

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

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

Utica, NY Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Utica, NY car insurance rates may be. Let’s take a look at average car insurance rates from top Utica companies based on commute time.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

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

secured lock Secured with SHA-256 Encryption

Utica, NY Cheapest Car Insurance Rates

How do the top Utica, New York car insurance companies’ average rates stack up against the Utica average monthly car insurance rates of $290? Take a look and see.

Best Annual Car 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

Utica, NY Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Utica, New York car insurance companies to help you find one that best fits your needs.

Average Annual Car 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

Other Factors Affecting Utica, NY Car Insurance Rates

Before you buy Utica, New York car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Utica, NY Commute Time

How does your Utica, NY commute time compare with the average driver? In Utica, the average commute is 17.2 minutes.

Utica, NY Traffic

Spending time in Utica traffic can lead to higher car insurance rates. According to INRIX data, Utica, NY ranks as the 712th-most congested with traffic in the world.

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

secured lock Secured with SHA-256 Encryption

Utica, NY Car Insurance Quotes

Compare Utica, NY car insurance quotes from multiple companies by entering your ZIP code now.