Table of contents
How much is car insurance in Utica?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $108 a month cheaper to insure your vehicle in Utica than it is in the rest of New York.
On the flip side, Utica residents should prepare to pay higher rates for coverage than the rest of the country. It's around $10 more expensive for coverage in Utica than the average rates seen in the rest of the U.S.
Although these are the average rates for auto insurance in Utica, it's important to remember that you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
But don't worry, we've broken down average rates for Utica residents so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay $98 more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Utica may see their rates begin to go back up once they hit retirement age.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Utica, however, the difference in monthly rates for car insurance is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay lower rates than those with accidents or violations. In Utica, a driving record with a single accident will usually get you a rate around $70 a month.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$102|
|15 Years or Older||$73|
According to the first table above, SUVs are usually the cheapest vehicles to insure in Utica, with drivers paying around $78 per month for insurance.
Truck and van drivers will see rates of about $89, while the rates for car owners average out to about $96 per month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Utica, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$92|
Generally, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Utica is no exception, with the difference totaling to around $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
Another factor taken into consideration is your housing status. In Utica, homeowners can expect to pay around $29 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in Utica, NY
Recent trends in car insurance for Utica drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
In Utica, the rates for auto insurance had been increasing from 2016-2017, before declining from 2018-2019. They finished down in 2021, at $87 a month.
How does Utica compare to neighboring areas?
Why are car insurance rates in Utica different from other areas?
There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for coverage. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Road safety
- Total drivers
- Amount of off-street parking
- Regional regulations
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
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.
But wait! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Utica.
Utica Insurance FAQs
What factors affect car insurance quotes in Utica?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Utica different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Utica?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Utica?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Utica or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?