Affordable Car Insurance Rates in Utica, NY (2021)
Car insurance rates in Utica, NY are $290/month on average. By law, New York drivers need to carry at least 25/50/10 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Utica car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 13, 2022
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- 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.
Table of Contents
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.
| 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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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.
| 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.
| 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.
| 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.
| 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.
| 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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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.
| 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.
| 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.
| 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.
| 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 |
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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.
| 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.
| 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.
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Utica, NY Car Insurance Quotes
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