Utica Mutual Company Auto Insurance Review for 2024 (Compare Cost & Coverage)

This Utica Mutual Company auto insurance review explores the Utica National Insurance Group of Utica, New York. The company started two of its businesses in the early 20th century, including Utica Mutual Insurance Company and Graphic Arts Mutual Insurance Company.

Utica mutual now goes by the name Utica National Insurance Group. The company offers a broad arrange of personal and commercial insurance policies, including specialized graphic arts insurance and professional services liability insurance (also known as Errors & Omissions coverage).

Utica Mutual Auto Insurance Rating

Rating Criteria
Overall Score	4.1
Business Reviews	5.0
Claim Processing	4.6
Company Reputation	4.0
Coverage Availability	5.0
Coverage Value	4.0
Customer Satisfaction	3.4
Digital Experience	3.5
Discounts Available	5.0
Insurance Cost	3.8
Plan Personalization	4.0
Policy Options	2.5
Savings Potential	4.2

They offer flexible plans that are as low as 10% installment, and the remaining is paid monthly for nine months. You might wonder if this is their only plan and how often auto insurance is paid. You can check their other plans on their official website. Utica Mutual has affordable rates that start at $60 monthly.

If you’re thinking about auto insurance coverage, compare your current rates now by requesting free auto insurance quotes that can save you money. Enter your ZIP code above to get started.

Utica Mutual Insurance Rates

Utica Mutual Insurance rates vary depending on factors such as driving record, age, gender, and location. For drivers with clean records, Utica offers competitive rates, averaging around $100 monthly in most states. However, high-risk auto insurance rates can increase significantly, often exceeding $210 per month. 

Utica Mutual Auto Insurance Monthly Rates by Age, Gender, & Coverage Level

Age is another critical factor, with younger drivers (under 25) typically paying higher premiums due to their perceived inexperience. Their rates may range between $1400 and $2500 monthly. Gender differences are less pronounced with Utica, though some studies show males might pay slightly more in certain states.

When compared to the U.S. national average, Utica’s rates are often competitive for low-risk drivers, but those with a riskier profile tend to pay above average. In Washington State, for example, high-risk drivers can expect a 10-15% higher premium than the national average.

Utica Auto Insurance Rates Vs. the Competition

Utica Auto Insurance offers competitive rates, but how does it stack up against the competition? Utica’s premiums are often lower for low-risk drivers with clean records than competitors like Geico  or Allstate, averaging around $100 to $125 monthly. However, for high-risk drivers with accidents or DUIs, Utica’s rates can jump to over $210, which is on par with competitors like Progressive and State Farm.

Utica Mutual Auto Insurance Monthly Rates by Driving History

Age and gender also impact rates. Younger drivers under 25 pay higher premiums, like most insurers, with rates averaging $140 to $250. Males may pay slightly more than females, though the difference is marginal compared to insurers with wider gaps.

When considering location, Utica’s rates tend to be favorable in smaller cities or rural areas, but competitors may offer lower rates in high-cost urban areas. Utica remains competitive for drivers seeking comprehensive coverage, though it may not always be the cheapest option across all demographics.

Learn More:

• Geico Auto Insurance Review
• Allstate Auto Insurance Review
• Progressive Auto Insurance Review

Utica Mutual Company Coverage Options

Utica Mutual Insurance provides a wide range of coverage options to meet diverse needs. Utica offers a combination of liability, collision, and comprehensive insurance for drivers seeking full coverage, which covers vehicle damages and third-party liabilities. Minimum coverage, which typically includes only state-mandated liability insurance, is available at a lower cost but provides limited protection.

Utica also offers comprehensive coverage, which protects against non-collision-related incidents such as theft, vandalism, or natural disasters. For those financing or leasing their vehicles, gap insurance is available to cover the difference between the car’s value and the amount owed on the loan in case of a total loss.

High-risk drivers needing proof of insurance for legal reasons can opt for SR-22 insurance from Utica, which ensures they meet state requirements. Add-ons like roadside assistance and rental car reimbursement are also offered, providing extra support in emergencies or vehicle repairs. Utica’s customizable options make it adaptable for many driver profiles.

Available Discounts

Utica Mutual offers a variety of discounts to help drivers lower their insurance premiums. These discounts cater to different driver profiles, such as safe drivers, students, and those bundling policies. Typical discounts include:

• Safe driving rewards.
• Multi-policy discounts for bundling auto and home insurance.
• Good student discounts for young drivers maintaining a high GPA.

Additionally, drivers installing anti-theft devices or opting for paperless billing may qualify for savings. Below is a table summarizing some of the most popular discounts offered by Utica Mutual.

Utica Mutual Insurance Discounts

Utica Mutual customers can significantly reduce their premiums by taking advantage of these discounts while maintaining solid coverage. Each discount has specific eligibility requirements, so it’s worth reviewing options with an agent to maximize savings.

Utica National Insurance Group Customer Reviews

Customer reviews for Utica National Insurance Group are generally positive, with many praising the company’s responsive customer service and customizable coverage options. Policyholders appreciate the ease of managing policies and filing claims, noting that the claims process is simple and efficient.

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However, some reviews mention that high-risk driver rates can be higher than competitors, particularly after accidents or violations. Discounts and bundling insurance options are also commonly cited as favorable aspects. Overall, Utica earns high marks for its reliability and customer satisfaction, especially for those with clean driving records.

Utica Mutual Business Reviews

Utica Mutual receives favorable business reviews, particularly for its commercial insurance products. Many business owners appreciate the tailored coverage options, such as liability-only insurance, property insurance, and workers’ compensation insurance, which are flexible enough to meet the needs of various industries.

Utica is often praised for its responsive customer service and efficient claims handling, ensuring minimal disruption for businesses facing unexpected losses. Below is a table summarizing key feedback from business customers:

Utica Mutual Business Insurance Ratings

Agency
	Score: 789 / 1,000 Below Avg. Satisfaction
	Score: B Fair Business Practices
	Score: 64/100 Low Customer Feedback
	Score: 3.21 More Complaints Than Avg.
	Score: A Marginal Financial Strength

While many businesses commend Utica for its vital service, some mention that premiums can be higher for companies in high-risk industries. Nonetheless, the overall sentiment remains positive, with Utica being a trusted provider of commercial insurance solutions.

What You Should Know About Utica Mutual Insurance Company (Utica National Insurance Group)

Reach the company’s Eastern Regional & Specialized Products office for the states of New York, New Jersey, and Pennsylvania at 201 Lafayette Street, Utica, New York, 13502, or call the group at 315-235-6600. Email the office at [email protected].

Contact the Errors & Omissions team at the same address and telephone numbers. Email the team at [email protected].

Contact the Middle Atlantic Regional Team at P. O. Box 13560, 1100 Boulders Parkway, Suite 300, Richmond, Virginia, 23226-8560, or call the office at 804-560-6600.

The regional office serves the following:

• District of Columbia
• Virginia
• Maryland
• Delaware
• North Carolina

In addition to these locations, the office extends its services to South Carolina, ensuring coverage across a broad portion of the eastern United States. Contact the New England Regional Team at 201 Edgewater Drive, Wakefield, Massachusetts, 01880-6255. Call the office at 781-224-2600. Email the team at [email protected].

The New England team serves clients in Massachusetts, Maine, New Hampshire, Vermont, Rhode Island, and Connecticut.

Reach the New York regional office at One Jericho Plaza, Wing A Second Floor, Jericho, New York, 11753-1636, or call them at 516-479-5000.

Contact the New York metropolitan office toll-free at 1-800-766-1914.

The New York metro office services:

• New York City (five boroughs)
• Long Island
• Northern New Jersey
• Rockland County
• Westchester County

Utica auto insurance office also extends its coverage to various regions across the state, ensuring comprehensive service for drivers in and around the New York metro area. Contact the Midwest regional office of the Republic-Franklin Insurance Company at 2600 Corporate Exchange Drive, Suite 200, Columbus, Ohio, 43231-7601, or call the team at 614-823-5300.

Reach the group toll-free at 1-800-955-1914. Email the office at [email protected].

Republic-Franklin Insurance Company serves clients in:

• Ohio
• West Virginia
• Illinois
• Iowa
• Michigan

Republic-Franklin also provides coverage in North Dakota, South Dakota, Indiana, Wisconsin, and Nebraska. Write the Southeastern regional office at 1040 Crown Pointe Parkway, Suite 450, Atlanta, Georgia, 30338-6908, or phone the team at 770-510-4100. Call the company toll-free at 1-800-477-1914.

Email the team at [email protected]. The Southeast regional office serves clients in Kentucky, Georgia, Tennessee, Alabama, Mississippi, and Florida.

Reach the Southwest regional team at 2435 North Central Expressway, Suite 400, Richardson, Texas, 75080, or call the office at 972-677-6700. Contact the office toll-free at 1-800-678-8422.

Email the team at [email protected]. The Southwest regional team serves clients in the state of Texas.

Utica Mutual Auto Insurance Company Claims

Clients may report a claim by contacting Utica National Insurance Group’s main office, or by requesting information by email, 24 hours a day, seven days per week.

To report a road accident or property loss, call 1-800-216-1420. Provide your insurance policy number, date/details of the accident/incident, and agent name.

To report a workers’ comp claim, contact the company at 1-800-284-3806, and provide the name of the injured person, date/information about the incident, and the employer/insured name.

Agents making an Errors & Omissions Claim should contact the E&O team for more details.

Utica Mutual Insurance Company (Utica National Insurance Group) Insurance Coverage Options

Utica National Insurance Group offers various policies to meet multiple needs, including auto, marine, homeowner, identity theft protection, tenant/renter coverage, snowmobile insurance, and umbrella liability.

Customers seeking comprehensive coverage may also benefit from discounts when insuring multiple vehicles or bundling auto insurance policies. With its diverse offerings and potential savings, Utica remains a solid choice for flexible and reliable insurance options.

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