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Cheapest recent rates near Utica, New York
Drivers using Insurify have found quotes as cheap as $132/mo for liability only and $176/mo for full coverage in Utica and other New York cities.
*Quotes generated for Insurify users in and around Utica, New York within the last 10 days. Last updated on May 16, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Utica, New York within the last 10 days. Last updated on May 16, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Utica is centrally located in New York, but its auto insurance rates fall well below the state average. Average rates for car insurance in New York are $163 for full coverage and $141 for liability only. But Utica drivers pay $156 for full coverage and $106 for liability only, on average. You may be able to reduce those rates even more depending on the choices you make.
Here’s what you should know about getting cheap car insurance in Utica.
Quick Facts
Rates in Utica are cheaper than the area surrounding New York City but more expensive than Rochester and Albany.
New York requires drivers to carry no-fault medical insurance, which adds to the cost of auto insurance premiums throughout the state.[1]
CSAA, Safeco, and Liberty Mutual are the three cheapest car insurance companies for Utica drivers.
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Best car insurance companies in Utica
As you begin your search for car insurance, the quotes you receive will depend on factors such as your driving record, age, gender, marital status, and even your credit score. Comparing quotes from several companies can help you identify the best insurer for you, and the three companies listed below make an excellent starting point.
Best insurer for liability and full coverage: Travelers
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
822
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$392/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$544/mo
Travelers Companies Inc. was founded in 1864. It was the first company to offer accident insurance and now offers just about every personal and commercial insurance product imaginable. It also offers some of the lowest rates for liability and full-coverage auto insurance in Utica.
Pros
Mobile app has high average reviews in the App Store[2]
Advertises 12 discounts for drivers
Robust auto insurance options for customizing coverage
Cons
Below-average Better Business Bureau (BBB) customer rating[3]
Rideshare coverage only available in Colorado and Illinois
This is a competitive company. My experience has been good. I purchased a new vehicle this past month. However, I think that my rate being raised from $189.00 for home and auto to around $370 is ridiculous, new vehicle or not.
Nancy - May 10, 2024
Verified
Do Not Do Business with Travelers Insurance
I would advise anyone seeking a recommendation not to do business with Travelers Insurance. I consider them to be a disreputable company. I had both my home and car insured with them and had no claims on either policy. However, they chose not to renew my homeowner's insurance. What's worse, they informed the mortgage company weeks before they informed me! They cited the reason as branches overhanging my roof. There were a couple of small branches from a neighbor's pine tree resting on the gutter. They did not give me any opportunity to correct this issue. I believe this was a malicious act.
Raymond Gary - April 21, 2024
Verified
Disappointed with the Outcome
We had a very minor collision while waiting at a traffic light. The vehicle in front of us claimed we crept forward. Since there was very little damage (none to our car), we submitted the claim. To our surprise, we found that the other driver reported $3000 worth of damage to the rear of his car, with the only visible damage being a cracked piece of chrome trim at the base of the hatch. We called Travelers immediately, warning them that it was a scam. They seemed indifferent and said they would pay the claim. This could be one of the reasons why insurance rates are so expensive.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$151/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$176/mo
Safeco was founded in 1923. The company was called General Insurance Company of America but has been Safeco since 1968. The company is now a subsidiary of Liberty Mutual and offers numerous insurance products beyond auto, including homeowners, renters, umbrella, pet, and commercial insurance coverage.
Safeco is known for its extensive coverage options that move beyond what many other insurers offer to include rental car reimbursement, new-vehicle replacement, 24-hour roadside assistance, and more.
Pros
Offers cash back for claims-free periods and diminishing deductibles
Connects you with a Guaranteed Repair Network to help you get back on the road
Many options to customize your car insurance coverage
Cons
Below-average customer satisfaction ratings for auto insurance claims
Limited number of available discounts
Customer reviews indicate room for improvement in customer service
I wouldn't recommend them. They keep increasing your premiums every year. Last time, they cited inflation as the reason, the time before that it was due to RVs, and the time before that because the Dodgers were high.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$84/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$184/mo
Nationwide opened for business in 1926. It began as the Farm Bureau Mutual Automobile Insurance company and became Nationwide in 1955. Today, it offers motorcycle insurance, renters insurance, and pet insurance but specializes in auto insurance, home insurance, and life insurance.
While Nationwide’s rates are higher than some competitors, you can reduce your premiums by taking advantage of the company’s discount options, including SmartRide, multi-policy, SmartMiles, accident-free, and more.
Pros
Excellent reputation
Many additional optional coverages
Multiple discounts
Cons
Below-average J.D. Power customer satisfaction rating[4]
Coverage not available in Alaska, Hawaii, Louisiana, or Massachusetts
At the time, I didn't think I would qualify due to my credit, but now I'd like to try and see with all the grants available. Thanks.
Donald - May 13, 2024
Verified
Excellent
Great service.
Salvatore - May 13, 2024
Verified
Awesome
It's the lowest I've seen so far.
…
Cheapest liability-only car insurance in Utica
Liability-only car insurance protects you after an accident you cause by covering the repair and medical bills of the other party. But if your car is damaged, or you’re injured in an accident you cause, liability insurance won’t pay for those expenses.
Because liability insurance only covers one-half of an accident, rates are often cheaper. Below, you can see the average monthly rates for liability-only coverage in Utica.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
CSAA
98
Safeco
108
CSAA
111
Safeco
123
CSAA
141
Liberty Mutual
144
Safeco
156
Midvale Home & Auto
161
Liberty Mutual
164
Progressive
170
Midvale Home & Auto
183
Progressive
194
Liberty Mutual
207
CSAA
219
Erie
229
Midvale Home & Auto
232
USAA
238
Safeco
242
Progressive
245
Erie
260
USAA
272
Travelers
278
Bristol West
283
CSAA
304
Travelers
317
Bristol West
322
Liberty Mutual
322
Erie
330
Safeco
336
Midvale Home & Auto
361
Bristol West
408
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Utica
Full-coverage car insurance provides you the same protection as liability coverage, but it also covers injuries you sustain or damage to your vehicle in an accident you cause. This makes full coverage more expensive because it’s essentially covering all parties in an accident you cause. However, it could be a good option if you have a new car or a vehicle you’d struggle to replace if necessary.
Here’s a list of full-coverage quotes from insurers in Utica.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
CSAA
140
Safeco
149
CSAA
160
Safeco
170
Midvale Home & Auto
194
Liberty Mutual
199
CSAA
202
Safeco
215
Midvale Home & Auto
221
Liberty Mutual
227
Progressive
250
Midvale Home & Auto
280
Progressive
284
Liberty Mutual
288
CSAA
314
Bristol West
321
Safeco
335
Erie
336
USAA
349
Progressive
360
Bristol West
366
Erie
383
USAA
398
Travelers
408
Midvale Home & Auto
435
CSAA
436
Liberty Mutual
447
Bristol West
464
Safeco
464
Travelers
465
Erie
485
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in New York
If you live in Utica you’ll need to have liability coverage, uninsured motorist coverage, and no-fault or personal injury protection insurance. Most states don’t require drivers to carry no-fault medical insurance, but New York does. If you were in a car accident, no matter whose fault it is, your car insurance would pay for the hospital bills and also replace your lost earnings and other expenses, such as medical care in the home.
But there are exceptions. If you were in a wreck due to drinking and driving, your no-fault insurance likely wouldn’t pay for your expenses.
The table below spells out the minimum car insurance requirements you’ll need to meet in Utica.
Coverage
Minimum Requirements
Bodily injury liability
$25,000 for bodily injury and $50,000 for death for a person involved in an accident
$50,000 for bodily injury and $100,000 for death for two or more people in an accident
Property damage liability
$10,000 per accident
Personal injury protection (PIP)
Reasonable and necessary accident-related medical and rehabilitation expenses (in accordance with established fee schedules)
80% of lost earnings from work, up to a maximum payment of $2,000 per month for up to three years from the date of the accident
Up to $25 a day, for up to a year from the date of the accident, to reimburse other reasonable and necessary expenses (such as household help and transportation expenses to/from medical treatment) resulting from the auto accident
A $2,000 death benefit (in addition to the $50,000 basic no-fault limit), payable to the estate of a person eligible for no-fault benefits who’s killed in a motor vehicle accident
But these requirements are just the minimum. They’ll prevent you from getting in trouble with the law, but there are plenty of situations that minimum coverage won’t protect you from, such as your car getting stolen or a tree landing on your parked car during a storm.
For those cases, you may want to also purchase:
Comprehensive coverage
This covers you if your vehicle is damaged due to something that has nothing to do with a car wreck. For instance, if your car is stolen or damaged by an animal crossing the road, comprehensive insurance would pay for the repairs or for your vehicle to be replaced.
Collision coverage
Collision coverage pays for repairs to your vehicle when it’s damaged by another vehicle or an object. Remember, liability insurance covers the damage to the other vehicle in an accident, and if you hit a telephone pole or a tree, you’d have to pay for your own damages if you didn’t have collision coverage.
Cheapest car insurance for drivers with an incident
Not everyone has a perfect driving record, and if you have a speeding ticket, at-fault accident, or DUI on yours, your insurance premiums will probably go up. As a general rule, insurance companies believe that one incident could mean there will be more incidents to follow and hedge their bets by raising premiums. The good news is that, in most cases, if you can go a few years without an incident, those rates should come back down.
In the sections that follow, you’ll see how different incidents affect your rates in Utica.
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Cheapest car insurance for drivers with a speeding ticket
Utica takes speeding seriously. In recent years, the city has placed solar-powered smart speed-tracking devices in the city to get a sense of where the most speeding occurs.[5] If you get a speeding ticket in New York, your insurer may raise your rates. And if you have a ticket on your record already, you can expect to pay monthly rates similar to those listed below.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
CSAA
162
114
Safeco
170
124
CSAA
186
129
Safeco
195
141
CSAA
234
163
Safeco
246
178
Liberty Mutual
250
181
Progressive
282
191
Liberty Mutual
285
206
Progressive
320
218
Bristol West
357
315
Liberty Mutual
362
260
CSAA
364
254
Safeco
383
277
Erie
387
263
USAA
391
267
Progressive
405
276
Bristol West
407
358
Erie
441
299
USAA
446
305
Travelers
462
315
CSAA
506
353
Bristol West
516
454
Travelers
527
359
Safeco
531
384
Erie
558
380
Liberty Mutual
562
405
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
If you have an at-fault accident on your record, you can expect your premiums to climb. Fortunately, however, your rates should decrease once the accident is off your record.
Here’s a look at what you can expect to pay in Utica with an accident on your record.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Safeco
170
123
CSAA
174
122
Safeco
194
140
CSAA
199
138
Safeco
245
178
CSAA
252
176
Liberty Mutual
260
188
Liberty Mutual
297
214
Progressive
302
205
Progressive
343
234
Bristol West
373
329
Liberty Mutual
376
270
Safeco
382
276
CSAA
391
273
Erie
406
277
USAA
413
281
Bristol West
425
374
Progressive
434
296
Erie
463
314
USAA
471
322
Travelers
486
331
Safeco
529
383
Bristol West
539
474
CSAA
543
379
Travelers
554
378
Liberty Mutual
584
421
Erie
586
399
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
Insurers view a DUI as the most serious of incidents, and if you have a DUI on your record, your rates will almost certainly go up. In some cases, your insurer may drop you altogether. The table below shows just how much you can expect to pay, on average, for your insurance premiums with a DUI on your record in Utica.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
CSAA
211
148
Safeco
224
163
CSAA
241
167
Safeco
256
185
Liberty Mutual
300
217
CSAA
304
212
Safeco
324
235
Liberty Mutual
342
247
Progressive
376
256
Progressive
428
292
Liberty Mutual
434
312
CSAA
473
330
Bristol West
483
426
Safeco
504
364
Erie
506
345
USAA
525
358
Progressive
542
369
Bristol West
551
485
Erie
577
391
USAA
599
410
Travelers
614
419
CSAA
656
458
Liberty Mutual
673
485
Bristol West
699
614
Safeco
699
506
Travelers
700
477
Erie
730
497
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors
Auto insurers calculate premiums by looking at many different factors, and age is a particularly important one. If you’re 75 or older, your premiums will usually be higher than those of middle-aged people. This is because seniors are generally involved in more accidents and suffer more severe injuries when in a crash.
The table below shows what you may pay, on average, for your insurance premiums in Utica.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
CSAA
78
54
CSAA
89
62
Safeco
93
67
Safeco
106
77
CSAA
112
78
Liberty Mutual
115
84
Progressive
121
82
Liberty Mutual
132
95
Safeco
134
97
Progressive
137
94
Liberty Mutual
167
120
Progressive
174
118
Erie
174
119
CSAA
174
121
Erie
198
135
Bristol West
199
176
USAA
207
141
Safeco
209
151
Bristol West
227
200
USAA
236
161
Travelers
237
161
CSAA
242
169
Erie
251
171
Liberty Mutual
259
187
Travelers
270
184
Bristol West
288
253
Safeco
289
210
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Many young drivers are skilled, but insurers still charge this group higher premiums than older, more experienced motorists. Fortunately, teen drivers have ways to reduce high insurance premiums, like staying on their parents’ policy. Driving a car that your insurer considers a safe model may lower premiums as well, and your insurer may give a student discount for good grades.
If you’re a teenager, or you have a teenager driving in Utica, this table shows what you can expect to pay, on average, for your insurance premiums.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
CSAA
230
161
CSAA
263
182
Safeco
311
226
CSAA
332
232
Safeco
355
257
Liberty Mutual
370
268
Liberty Mutual
422
305
Safeco
449
326
Progressive
452
307
Progressive
513
351
CSAA
516
360
Liberty Mutual
536
385
Bristol West
546
482
Erie
565
385
USAA
579
395
Bristol West
623
548
Erie
644
437
Progressive
651
443
USAA
660
451
Safeco
700
506
CSAA
716
499
Travelers
734
500
Bristol West
790
695
Erie
815
555
Liberty Mutual
831
599
Travelers
836
570
Safeco
970
702
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How to get the cheapest car insurance in Utica
The rate you’ll pay for car insurance in Utica depends on many factors, some of which are out of your control. Comparing prices is an effective way to judge one insurer against another. But it isn’t the only thing you can do to lower your rates.
Here are some strategies you’ll want to keep in mind as you look for cheap car insurance:
Think about what you’re paying for. Liability-only coverage is less expensive than full coverage, but don’t entirely dismiss the latter option. For instance, if you’ve just purchased a new, expensive car or truck, liability insurance won’t cover repairs or replacement of the vehicle in many instances. Find the most affordable coverage that meets your needs instead of shopping solely based on price.
Consider your deductible. You may be tempted to choose a high deductible to lower your premiums, but keep in mind that you must pay your deductible before your insurer will supply coverage. If paying a high deductible would be tricky, you may want to pay higher monthly premiums and keep your deductible lower.
Look for deals. Asking your insurer or insurance agent if you can be steered to any discounts that will bring your rates down is always a smart idea. You can also inquire with your employer or other associations you’re affiliated with to see if they have any discount agreements with particular insurers.
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Utica car insurance quotes by credit tier
Most states, including New York, allow insurers to consider credit scores when pricing insurance premiums. Auto insurers have concluded that a person’s credit score is a sign of how likely they are to file a claim. As such, motorists who have excellent or good credit scores pay far lower insurance premiums than drivers with poor credit scores.
The table below shows how Utica drivers’ credit scores can affect their insurance premiums.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Utica?
It’s more expensive to pay for car insurance in Utica, New York, than in many other parts of the country. The U.S. national car insurance average is $103 for liability-only coverage, and full coverage costs $210.
Utica drivers pay $106 for liability-only coverage and $156 for full coverage, on average.
It’s always hard to pinpoint the exact reasons any community has high insurance rates. But the city is near the Adirondack Mountains (mountainous terrain is always rough on a car). The crime rate, which by many accounts is higher than the national average, also probably factors in.
Car insurance in Utica, New York, is one of the cheaper cities in the state to have car insurance, according to Insurify data.
Many other New York cities with far higher populations have average car insurance rates that are much higher than Utica’s. For instance, in Yonkers, you’ll pay $274 a month for full-coverage car insurance, a 76% jump over Utica. In Brooklyn, you’ll pay $314 a month — a 101% difference over Utica.
More cities in New York
The table below shows how car insurance in Utica compares to other cities across the Empire State. On average, drivers pay $156 a month for full-coverage car insurance in Utica.
City
Average Monthly Quote
Compared to Utica
Buffalo
$207
33%
Long Island City
$570
265%
New York
$378
142%
Rochester
$143
-8%
Schenectady
$129
-17%
Staten Island
$532
241%
Syracuse
$160
3%
Yonkers
$274
76%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Utica car insurance FAQs
If you’re shopping for car insurance in Utica, this additional information may help as you research your coverage options.
How much is car insurance in Utica?
Car insurance in Utica averages out to $106 per month for liability-only coverage and $156 for full coverage. While these rates are higher than the national average, they’re lower than those paid in many other communities in New York.
What are the best car insurance companies in Utica?
Travelers, Safeco, and Nationwide rank as the top insurers in New York. Travelers and Nationwide both have solid Insurify Quality (IQ) Scores, at 4.2 and 4.1, respectively. Travelers and Safeco are also the only two insurers offering average monthly rates at or below $200. Finally, all these insurers offer several discounts and optional coverage options.
What factors affect the cost of car insurance in Utica?
Car insurance in Utica is affected by many things, including its close proximity to the Adirondack Mountains. The city also has a higher-than-average crime rate and a higher cost of living than many other communities across the country.
How much car insurance do you need in New York?
In New York, you must maintain minimum bodily injury liability coverage amounting to $25,000 for bodily injury and $50,000 for death for a person involved in an accident. You must also carry $50,000 for bodily injury and $100,000 for death for two or more people in an accident. You must also carry property damage liability of $10,000 for property damage for a single accident. Finally, you must also carry personal injury protection coverage amounting to reasonable and necessary accident-related medical and rehabilitation expenses.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
J.D. Power. "Auto Insurance Claim Satisfaction Rises on Combination of Soaring Vehicle Values and Growth of Straight-Through-Processing Claims Management, J.D. Power Finds."
CNYhomepage.com. "Utica introduces new ‘Smart Speed-Tracking Signs’."
Geoff Williams
Geoff Williams is a freelance journalist who has written personal finance articles for most of his career and for numerous publications, including U.S. News & World Report, The Wall Street Journal, Bankrate, CNNMoney.com and Forbes.com. He is also the author of several books, including “C.C. Pyle’s Amazing Foot Race” and “Washed Away,” and writes a classic TV blog called “The TV Professor.”
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.