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How much is car insurance in Utica?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Utica are about $109 a month cheaper than in the rest of New York.
Compared to the national average cost of auto coverage, Utica has higher rates. It's about $9 more expensive than the national average to insure your vehicle in Utica.
These may be the average auto insurance rates for Utica, but that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
Don't worry, we've done the work for you and broken down the average rates for Utica to help you understand what your monthly premium might be. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates start to rise again in Utica.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Utica, although women do pay a bit less on their monthly insurance rates, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Rates can change drastically depending on your driving record. Those with clean records can expect to pay much less than those with infractions. Drivers in Utica with one accident will pay around $70 a month.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$102|
|15 Years or Older||$76|
If you look at the first table above, the cheapest vehicles to insure in Utica are typically SUVs, at $78 per month.
Car owners will see rates of about $96, while truck and van owners usually pay around $87 a month.
You may also see different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Utica are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$92|
More often than not, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Utica reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$95|
Another factor taken into consideration is your housing situation. In Utica, homeowners can expect to pay around $29 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Utica, NY
Recent trends in car insurance for Utica drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Car insurance rates in Utica rose from 2016-2017, before declining from 2018-2019. They finished down in 2021 at $91.
How does Utica compare to neighboring areas?
Why are car insurance rates in Utica different from other areas?
Car insurance companies will take into account many factors when they're deciding how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Area regulations
- Number of drivers
- Amount of off-street parking
- Area crime rates
- Road safety
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Utica?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer policies in Utica.
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Utica Insurance FAQs
What factors affect car insurance quotes in Utica?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Utica different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Utica?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Utica?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Utica or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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