Best Cheap Auto Insurance in Utica, New York (2024)

CSAA offers Utica drivers the cheapest rates, with minimum-coverage policies as low as $140 per month.

Geoff Williams
Written byGeoff Williams
Geoff Williams
Geoff Williams
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Geoff is a freelance personal finance journalist and author. He’s been published in top outlets such as The Wall Street Journal and CNN Money.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
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Updated March 26, 2024

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Cheapest recent rates in New York

Drivers using Insurify have found quotes as cheap as $58/mo for liability only and $201/mo for full coverage in New York.

*Quotes generated for Insurify users from New York within the last 10 days. Last updated on March 25, 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 March 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from New York within the last 10 days. Last updated on March 25, 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 March 25, 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 $183 for full coverage and $150 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

Compare personalized, real-time quotes
IQ Score
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.
4.3
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.
$402/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.
$598/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

  • General coverage not available in all 50 states

Jeffrey - March 23, 2024
Verified

Excellent

Fast.

Lisa - March 14, 2024
Verified

Long-term customer with minor rate reduction

The premium is too much for what I need.

Abbas Ali - March 12, 2024
Verified

Hiding the Facts

They require you to install the telematics app on your phone to monitor your driving for 90 days, after which I was supposed to receive up to a 20% discount. I scored very high and was told the discount would be applied when I renew next year. This was absolutely untrue.
Read our Travelers review

Best insurer for customization: Safeco

Compare personalized, real-time quotes
IQ Score
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.
3.7
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.
$216/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

Glen - March 22, 2024
Verified

Great until...

SAFECO has been my insurer since we moved to Las Vegas in 2010. Their customer service has been great. I haven't had a claim against them since my wife was tragically killed in an auto accident in 2014, which they handled magnificently. If their rates hadn't skyrocketed, I'd stay with them.

Kurt - March 19, 2024
Verified

Good Until They're Not

I have been with them for over 20 years, never missing a payment. However, I got sick for a few months and missed two payments. Consequently, they decided to drop me and would not renew my policy. Moreover, they did not inform me that my policy was being canceled.

Duane - March 3, 2024
Verified

Looking for Something Cheaper, I Check Every 3 Years

Good.
Read our Safeco review

Best insurer for discounts: Nationwide

Compare personalized, real-time quotes
IQ Score
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.
4.1
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.
$85/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.
$187/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

  • Certain features not available in every state

John - March 25, 2024
Verified

No Explanation

They should explain why they raised the premium for car insurance by 78%.

William - March 22, 2024
Verified

They are very fair

'Nationwide is on your side' says it all.

Bobbie - March 16, 2024
Verified

Excellent

Nationwide is a great insurance company, but the cost is high.
Read our Nationwide review

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: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
CSAA98
Safeco108
CSAA111
Safeco123
CSAA141
Liberty Mutual144
Safeco156
Midvale Home & Auto161
Liberty Mutual164
Progressive170
Midvale Home & Auto183
Progressive194
Liberty Mutual207
CSAA219
Erie229
Midvale Home & Auto232
USAA238
Safeco242
Progressive245
Erie260
USAA272
Travelers278
Bristol West283
CSAA304
Travelers317
Bristol West322
Liberty Mutual322
Erie330
Safeco336
Midvale Home & Auto361
Bristol West408
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: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
CSAA140
Safeco149
CSAA160
Safeco170
Midvale Home & Auto194
Liberty Mutual199
CSAA202
Safeco215
Midvale Home & Auto221
Liberty Mutual227
Progressive250
Midvale Home & Auto280
Progressive284
Liberty Mutual288
CSAA314
Bristol West321
Safeco335
Erie336
USAA349
Progressive360
Bristol West366
Erie383
USAA398
Travelers408
Midvale Home & Auto435
CSAA436
Liberty Mutual447
Bristol West464
Safeco464
Travelers465
Erie485
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.

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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.

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
CSAA165115
Safeco187135
CSAA189131
Safeco213154
CSAA238166
Liberty Mutual244177
Safeco270196
Liberty Mutual279201
Progressive296201
Progressive336229
Liberty Mutual354254
Bristol West370326
CSAA370258
USAA394269
Safeco420303
Erie421287
Bristol West422371
Progressive426290
USAA449307
Travelers470320
Erie479325
CSAA514358
Bristol West535470
Travelers536365
Liberty Mutual549396
Safeco582421
Erie607413
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: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
CSAA175122
Safeco195141
CSAA200139
Safeco223161
CSAA252176
Liberty Mutual255184
Safeco282204
Liberty Mutual290210
Progressive309210
Progressive351240
Liberty Mutual368265
Bristol West378333
CSAA392274
USAA411280
Erie430293
Bristol West431379
Safeco439317
Progressive445303
USAA469321
Travelers488332
Erie490333
CSAA545380
Bristol West546480
Travelers556379
Liberty Mutual572412
Safeco608440
Erie620422
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: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
CSAA201141
Safeco214155
CSAA230160
Safeco245177
Liberty Mutual286207
CSAA291203
Safeco309225
Liberty Mutual327236
Progressive360245
Progressive409279
Liberty Mutual415298
Erie434296
CSAA452315
Bristol West462407
Safeco482348
Erie495336
USAA502343
Progressive518353
Bristol West527463
USAA573391
Travelers587400
Erie626426
CSAA628438
Liberty Mutual643463
Bristol West668587
Safeco668484
Travelers669456
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: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Safeco10677
Progressive11981
Safeco12187
Liberty Mutual12288
Progressive13693
Liberty Mutual139101
Safeco153111
Progressive172117
Liberty Mutual177127
Erie179122
Bristol West200176
Erie204139
USAA212145
Bristol West228201
Safeco238172
Travelers242165
USAA242166
Erie259176
Liberty Mutual275198
Travelers276188
Bristol West289254
Safeco329238
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: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
CSAA236165
Safeco268194
CSAA270187
Safeco306221
Liberty Mutual339245
CSAA341238
Liberty Mutual386279
Safeco387281
Progressive448305
Liberty Mutual490352
Progressive509348
CSAA530369
Bristol West537473
USAA580395
Safeco603436
Bristol West612538
Erie617420
Progressive645439
USAA661452
Erie703477
CSAA736513
Travelers739503
Liberty Mutual761548
Bristol West776682
Safeco835605
Travelers842574
Erie890606
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.

CityAverage Monthly QuoteCompared to Utica
Buffalo$20733%
Long Island City$570265%
New York$378142%
Rochester$143-8%
Schenectady$129-17%
Staten Island$532241%
Syracuse$1603%
Yonkers$27476%
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.

Sources

  1. New York State Department of Financial Services. "Shopping for Auto Insurance." Accessed August 10, 2023
  2. Apps.apple.com. "Travelers Mobile." Accessed August 11, 2023
  3. Better Business Bureau. "Travelers Companies Inc.." Accessed August 11, 2023
  4. 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." Accessed August 11, 2023
  5. CNYhomepage.com. "Utica introduces new ‘Smart Speed-Tracking Signs’." Accessed August 11, 2023
Geoff Williams
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.”

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 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.

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