Allstate vs. Utica National: Which Company is the Best Fit for You?

Quick Facts

• In general, Allstate offers significantly more affordable prices than Utica National
• Allstate tends to be a much cheaper option for policyholders who live in urban areas
• Utica National has less expensive rates in NY

Allstate or Utica National: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You might have narrowed your search down to Allstate or Utica National as potential options, but between the two, which company will save you the most?

As you can see, Allstate has average rates that are around 50% a month cheaper than those from Utica National when looking at the national average rates for auto insurance.

But that doesn't mean Allstate will necessarily be more affordable than Utica National for every driver. After all, car insurance carriers can offer drastically different rates to every driver depending on rating factors like your driving record, your age, where you call home, or even your credit score (among other things), so prices will change quite a bit from person to person.

Luckily, we've broken down average premiums from both Allstate and Utica National by many different rate factors, so read on to find out which company is the best for you.

Allstate vs. Utica National: Average Car Insurance Rates by State

Allstate and Utica National only compete against each other in New York, where Allstate offers the cheaper average rates. Allstate drivers tend to pay about $18 per month less on average compared to drivers who use Utica National for their auto insurance.

But there's more to insurance than just where you call home. As we mentioned above, there's a lot of things that go into how car insurance companies determine your premiums. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for insurance than any other group of drivers. That's normally because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. As you can see above, teens who use Allstate save almost 35% a month compared to those who use Utica National. It's worth noting that Allstate offers auto insurance in 47 different states compared to Utica National's one, which can skew the average rates a bit, but the difference here is still considerable.

That being said, both carriers will offer you dramatically lower prices by the time you turn 25. For example, average premiums for Allstate policyholders decrease nearly 65% and Utica National's prices reduce over 45% over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest premiums you'll ever find.

When looking at Allstate and Utica National specifically, which carrier is best for retired drivers? Allstate gets the edge here, with average rates coming in at about $152 a month compared to Utica National's $312.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are usually less expensive for married drivers than they are for single drivers? That's typically because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

For those who are single, the difference in average rates between these two companies is significant, with Allstate prices coming in at around half of Utica National's. For married couples, the advantage is clear again - Allstate has the edge when it comes to average rates.

Allstate or Utica National: Average Rates by Gender

Men are statistically more likely than women to get speeding tickets and get into collisions. That means when it comes to insurance men will generally end up paying a little more.

Usually, men see premiums about 4% per month higher with Allstate, and around 7% more with Utica National.

When it comes to the lowest prices for each gender, Allstate comes out on top for both men and women. On average, male drivers save about $206 a month and women save about $185 with Allstate compared to the average Utica National policyholder.

Allstate vs. Utica National: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, car insurance can be pretty complicated. There are multiple different coverages that account for a bunch of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies end up falling into two different types of coverage -- liability coverage (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability coverage).

Looking specifically at state minimum liability insurance, Allstate has the significant edge, with average monthly premiums coming in at $108. If you want a full coverage policy with the same state minimum limits, Allstate again has the edge, with policies averaging around $289 per month to Utica National's $592.

Is Allstate or Utica National Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with at-fault collisions and speeding tickets on your record, but which of these two carriers offers the most affordable rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allstate for their auto insurance can usually expect their monthly bill to go up about 15% after getting a speeding ticket. Utica National policyholders can expect a bit more drastic of an increase of around 16%.

Even so, Allstate tends to offer the best prices for both drivers who have clean records and those with a recent ticket, offering prices that are 49% and 49% more affordable, respectively, compared to Utica National.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in a collision can expect to see their rates climb by over 30%, while those who have insurance through Utica National will see about a 15% increase.

At the end of the day, the cheaper premiums come from Allstate, with average prices coming in at $229 compared to Utica National's $362.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- normally a lot more than an accident or speeding ticket. For example, Utica National increases average premiums by nearly $250 a month -- that's nearly a 45% increase.

Allstate has the overall lowest prices for drivers with a DUI on their records at $227 monthly, but it's worth noting that Allstate's average rates come from 47 states compared to just one for Utica National, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Utica National Rates?

Did you know many auto insurance companies take your credit score into account when determining rates? Certain states and carriers do not allow for credit score to be used as a car insurance factor, but it might come into play for many policyholders.

Car insurance companies argue that those with good credit scores are more likely to pay their bills on time each month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

Looking specifically at Utica National and Allstate, which carrier has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Allstate will typically reward you the most. For policyholders with "excellent" credit scores, Allstate comes in just under 63.2 less expensive. Drivers with "good" credit scores generally save around 56% with Allstate compared to average rates from Utica National.

Which Company is Best for Drivers with Bad Credit?

Allstate typically offers lower premiums than Utica National when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 48% per month less with Allstate compared to Utica National, and those with "poor" scores usually save an average of around 30% per month.

Is Allstate or Utica National Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a sizable impact on how much auto insurance carriers will charge for coverage. Typically, those who drive fewer miles will end up with cheaper rates since there's less of a chance of causing a collision and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Utica National charges. However, there's a small difference in monthly prices for Allstate, with policyholders who drive 6,000 miles annually paying about $3 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Allstate is the more affordable company.

Allstate or Utica National: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a substantial impact on your monthly car insurance payment. Normally, those who live in rural areas will pay less than drivers in urban areas since there are a lot fewer vehicles on the road where they live, which lowers the chances of an accident.

Allstate boasts the most affordable average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Allstate's average rates are around $311 less than Utica National. People who live in suburban areas pay about $117 less with Allstate compared to Utica National. Those in rural areas can expect to save around $159 with Allstate compared to Utica National.

Allstate vs. Utica National Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Allstate and Utica National offer their customers so that you can see which one can save you the most money each month.

Allstate knocks Utica National out of the park when it comes to the sheer number of discounts available, offering 40 different discounts to Utica National's 18.

Both companies offer several of the same discounts -- like anti-theft discounts, discounts for getting driver training, DRL discounts, and discounts for being a good student -- but Allstate also offers discounts for advance quote, agency transfer, alert driving, and more.

On the other hand, Utica National has a few proprietary discounts of their own for things like greenhouse gas discounts, group discounts, low mileage discounts, and more.

Final Thoughts: Is Allstate or Utica National Best for You?

So, we've broken down the average premiums for many of the factors auto insurance carriers look at, and we've shown you all the discounts each company offers. That's all well and good, but at the end of the day, which carrier is the best fit for you?

Allstate might be best for you if....

• You have a speeding ticket on your driving record.
• You're looking for the best prices on liability only coverage.
• You live in a rural area.

Utica National might be best for you if...

• You like the personalized touch of a small, local company.

Hopefully, this guide helps you get a better idea of the difference between Allstate and Utica National and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just Allstate and Utica National. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Allstate vs. Utica National FAQs

Is Allstate or Utica National cheaper?

Allstate is the less expensive of the two companies when looking at national average rates, with policies averaging $199 a month with Allstate and $394 for Utica National. However, that doesn't mean Allstate will be the cheapest carrier for everyone, since there are lots of different variables that come into play when it comes to your insurance bill.

Who is better, Allstate or Utica National?

Sadly, the only answer we can give you is "it depends.". No single company is "better" for each policyholder -- it all comes down to what your unique car insurance profile looks like.

Why do Allstate and Utica National offer me different rates?

Auto insurance carriers use several different factors when calculating the prices they charge. Variables like your driving record, age, gender, where you park your car, and sometimes even things like your credit score can all be used. Both Allstate and Utica National calculate premiums differently, so it's likely they'll offer different rates. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from several different companies.

How do I know if Allstate or Utica National is right for me?

The only way to find the insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the cheapest rate. And maybe you'll find that the best carrier for you isn't Allstate or Utica National at all, but another you hadn't even thought of!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.