Best Auto Insurance Rates in Utica, New York

On average your neighbors pay $103 a month.

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Compare Auto Insurance in Utica

Utica, New York, is a culturally diverse and ever-expanding city that has much to offer its residents. Utica is one of a few urban centers in Upstate New York that's continued to grow over the past 15 years. The population recently reached 300,000,

Something you don’t want to keep growing: your car insurance bill.

Average Utica Car Insurance Rates

How much is car insurance in Utica, NY? Residents shouldn't be surprised to hear car insurance costs more in Utica than it does in many other places. Average insurance rates in New York are a bit higher than the national average. The average cost of auto insurance in New York is $1,234.84 per year. The national average price is $889.01.

Prices vary by driving history and the number of claims filed in your zip code, so you may pay less.

New York Average Annual Car Insurance Rates
Coverage Rates
Liability $804.51
Collision $385.02
Comprehensive $171.12
Total Cost Per Year $1,234.84
Price Per Month $102.90
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average New York insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, New York car insurance rates increased from $1,111 in 2011 to $1,234 in 2015, a jump of $123, or 11.12 percent.

New York average car insurance rates

QuoteWizard helps with this by connecting consumers to national car insurance carriers and local independent agents so they can compare rates and save money. How much can you save? Up to 40 percent.

Last year, many residents used QuoteWizard to compare quotes from multiple companies and find the cheapest car insurance rates in Utica, NY.

Best Car Insurance Companies in Utica, NY

This is our list of the 10 most common car insurance companies reported by QuoteWizard users living in Utica, New York last year.

Other popular Utica, New York car insurance companies: Safeco, Erie, Hartford, AAA, American Family, Mercury, and USAA.

Top 10 Vehicles

These are the most common car makes and models owned by Utica, NY drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord LX/EX
  2. Ford F150
  3. Chevrolet Impala
  4. Honda Civic DX/LX
  5. Jeep Liberty Sport
  6. Dodge Caravan
  7. Toyota Camry LE/XLE/SE
  8. Ford Fusion SE
  9. GMC Envoy
  10. Chevrolet Equinox

Minimum Car Insurance Requirements in Utica, NY

Utica, New York has a minimum coverage requirement known as the 25/50/10 rule. This means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The maximum amount insurance companies will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your insurance company will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The most your insurer will pay for property damage caused by a car accident.

The policy must be in the name of the person who registered the vehicle. In addition, the coverage must remain in effect as long as the registration is valid, even if you don't use the vehicle.

Driving Conditions

Driving conditions like weather and traffic congestion can influence insurance rates.


Summers in Utica, NY are nice and warm. Residents see as many as 160 days each year with at least partial sunshine. It rains quite a bit, too. Residents can expect around 156 days with measureable precipitation. That includes snow, which is common in the area and tends to create dangerous driving conditions.

Road Conditions

According to a recent study by TRIP, 80 percent of the major roads in the state of New York are in poor to mediocre condition. Another 21 percent are in good condition. The poorly maintained, pothole-filled streets cost Utica drivers $260 a year in extra vehicle operating costs.

To report potholes in Utica, call the mayor's office at (315)-792-0100, extension three.

Traffic Congestion

According to traffic data provider Inrix Mobility Scorecard, Utica commuters spend a total of 2,288 hours annually in congestion. They also spend an average of $433 in congestion cost.

Moving Violations

Moving violations such as speeding tickets, accidents, following too close, and drunk driving can raise your insurance rates and give you a bad driving record.

Traffic Tickets

The State of New York DMV website lets you pay non-criminal traffic citations. It also tells drivers how to request a hearing to contest a ticket and provides helpful traffic court information.

The Oneida County Sheriff's Department issued a total of 7,270 traffic summons in 2014.

DWI/DWAI Arrest Statistics

Utica PD arrested 86 drivers for suspicion of driving while influenced in 2015. That’s a 28 percent decrease from the 119 drivers arrested in 2014.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Request a quote, and we'll connect you with local agents from top companies that specialize in Utica DWI insurance.

Car Accident Statistics

Utica officials recorded 920 motor vehicle accidents in 2016 resulting in 529 injuries.

Traffic Fatalities

Utica experienced two car crash fatalities in 2016. This works out to a fatality rate of 3.29 per 100,000 residents. All traffic deaths are a tragic loss, and considering the estimated population of 60,652 Troy is a safe city in terms of traffic fatalities per capita.

Vehicle Theft

Utica reported 101 motor vehicles thefts in 2016. That's a theft rate of 1.65 per 1,000 residents—slightly lower than the national average of 2.20 per 1,000.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are a great way to lower your rates. These are some of the many auto insurance discounts available to drivers in Utica, NY.

  1. Get a new car. You might qualify for the new car discount offered by many insurance carriers. If the car has safety features like electronic stability control or anti-lock brakes, you may receive further discounts
  2. Live in a safe zip code with low crime. People that live in zip code with high crime and more than its fair share of accidents pay higher rates even if they have a good driving history
  3. Students that maintain at least a B grade point average can qualify for the good student discount
  4. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  5. Drive less. Living close to work can lower your rates if you qualify for the low mileage discount
  6. Take a defensive driving course from an accredited driving safety school

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