What does Utica Insurance have to offer?

 
 

Finding the right car insurance may seem like a hard and tedious decision, but we have reviewed countless insurance providers to help you make the right decision. Today, we’re going to be taking a closer look the Utica National Insurance Group, also known as Utica Insurance.

This insurance company offers a multitude of insurance options in different states, but its roots are in Utica, New York. If you’re considering getting car insurance through Utica Insurance, we recommend getting a quote so you can see what your coverage and rates would look like.

Use the tool below or call our team at (855) 518-0148 to get free, personalized quotes from providers available in your state:

 
 

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About The Utica National Insurance Group

  • Founded in 1914
  • Excellent financial strength
  • Serves 49 states
  • 3.3-star rating on Google

Utica Insurance is over 100 years old – and that’s pretty old as far as insurance companies go. The company has grown over the years and wrote over $1 billion in premiums in 2018, according to the Utica Insurance website.

Not all of that is from car insurance since the company offers other plans like Utica home insurance, as well as renters, umbrella, and commercial insurance. Utica also specializes in non-standard insurance products for religious institutions, schools, and volunteer fire departments.

The Utica National Insurance Group is made up of 14 different companies, and 10 of those sell insurance plans. Utica doesn’t offer insurance online through its website but instead operates through independent agents. Here are a few of the member companies:

  • Founders Insurance Company
  • Utica Lloyd’s of Texas
  • Utica Mutual Insurance Company
  • Utica National Insurance Company of Ohio
  • Utica Specialty Risk Insurance Company

Utica Insurance currently offers insurance products in every state except for Hawaii. However, it’s unclear if it offers auto insurance in all those locations.

The Utica National Insurance Group has a financial rating of A- from AM Best. It’s not rated by the Better Business Bureau (BBB), but all 10 customer reviews on the BBB website give the company one star.

Coverage From Utica Mutual Insurance

Here are the standard types of auto insurance you can get with Utica Insurance:

  • Bodily injury liability (BI): Covers medical bills for other people in accidents you cause
  • Property damage liability (PD): Covers repair costs for other drivers in accidents you cause
  • Collision: Covers damage to your car after an accident
  • Comprehensive Insurance: Covers damage to your car after environmental events, theft, and vandalism
  • Medical payments (MedPay): Covers your medical bills
  • Personal injury protection (PIP): Covers your medical bills, lost wages, and funeral costs
  • Uninsured/underinsured motorist (UM/UIM): Covers you if you get hit by a driver without insurance (or without enough insurance)

Since Utica auto insurance is only sold through independent agents, the main website doesn’t go into much detail about extra options. It does mention that some drivers can purchase pet injury or rideshare coverages, but that depends on the state and the underwriting company.

We’d also be surprised if you can’t get roadside assistance or rental car coverage, since both of these options are fairly common in the auto insurance industry. The bottom line is that you’ll have to talk to your agent to see what’s available.

Utica Insurance Cost And Discounts

Sometimes, shopping for car insurance can feel like gambling. You check one insurance quote, and it’s reasonably priced. Then you check one from another company, and it’s twice as expensive. What’s the deal?

When you purchase car insurance, a portion of your money goes into a pool that pays for other claims. It would make sense that people who file more claims would have to pay more for insurance.

Following that reasoning, car insurance companies try to predict the likelihood that you’d cause an accident, then they base prices off of that. For example, teens can pay double and triple what middle-aged drivers pay. Other things that affect average auto insurance payments include your zip code, credit score, type of car, driving history, and driving habits.

Again, since Utica Insurance is offered by multiple companies in different states, prices can be a bit all over the board. However, the company does offer some discounts to help people save money, including:

  • Annual mileage credit
  • Multi-vehicle discount
  • Bundling discount
  • Pay-in-full discount
  • Discount for air bags
  • Anti-lock brakes
  • Anti-theft devices
  • Electronic stability control
  • Daytime running lights
  • Good student discount
  • Company car discount
  • Discount for students away at school
  • Electronic funds transfer discount

Quotes And Claims Processes

Since Utica Insurance really encompasses a number of different companies, you can’t get a full auto insurance quote online. However, you can search for an agent in your area and buy a policy in person or over the phone.

Use our tool below or call us at (855) 518-0148 to start comparing car insurance quotes:

 
 

When you call, be sure to have information about yourself, other drivers on your policy, and your cars on hand. Remember, car insurance quotes are usually good for 30 days, so don’t feel pressured to buy on the phone right away.

You can report an auto claim to Utica Insurance by calling the 24/7 Utica National Insurance claims phone number or submitting a new ticket online. You can also file one via snail mail or fax if you’re into that sort of thing. There are a few different regional offices that handle claims, and the contact information for each of them is available online. If you do intend to file a claim, you will need youre policy numer, the name of your independent agent, and the date and details of the incident.

Utica Insurance Reviews

As we’ve previously mentioned, the Utica Insurance headquarters doesn’t have a rating from the BBB itself. That’s because the BBB hasn’t been able to collect enough data on the company. However, there are a few customer reviews on the company’s BBB page, and we’ll reference some here. We’re also going to include a couple of reviews from the company’s Google business page, where it has a 3.3-star rating overall.

“Worst insurance company to deal [with]. Never answer and take their time responding to your voicemails…”

-Ashley R. via BBB

“...They do not care about customer service [whatsoever]. They don’t pay claimants appropriately. I feel bad for anyone who does not know how the system works because they will get [one] over on you! Get a lawyer, I am!”

-Eva via BBB

“This company is the worst. They deny liability no matter what. You might as well not have insurance.”

-Allen W. via Google

“...Penalties imposed [are] nowhere in the policy. Cannot get phone calls returned. Customer service staff lacks information for even commonly asked questions. There's more, but thank goodness I never have to deal with them again.”

-Lisa B. via Google

Utica Insurance does have a number of positive ratings on its Google page, but most of these are just star ratings and don’t include written reviews.

The Utica Insurance App Is No More

Utica Insurance customers used to be able to manage policies and file claims with an app called AdvantEDGE. Utica disabled the app in August of 2019 to focus on its online customer care portal instead.

You might see another app called the Utica National Smart Sensor. That app is for connecting with sensors in your home that can detect leaks or open doors. At this point, there’s no app that tracks your driving.

Our Verdict On Utica Car Insurance

The Utica National Insurance Group is an average choice for car insurance. It doesn’t really stand out in a very positive or negative way. But if you can find better coverage with some other top providers, going with one of them may be a better option.

Use the simple tool below to start comparing car insurance rates, or, for an easier process, call (855) 518-0148.

 
 

Top Recommendations For Car Insurance

We’ve researched dozens of the most popular car insurance companies on the market today and ranked them on the following criteria:

  • Customer service
  • Industry reputation
  • Coverage
  • Availability
  • Cost and discounts
  • Technology

At the end of the day, a few top auto insurance companies rose above the rest. Our recommendations are only for companies that consistently performed well across each of these categories, and we recommend getting a quote from each so you can compare your options.

 

Geico: 4.5 Stars

Anywhere you can get Utica auto insurance, you can get Geico auto insurance. While Geico is just a few years younger than Utica, it has grown much more since its inception. In 2018, it wrote over $33 billion in car insurance premiums according to the National Association of Insurance Commissioners, which made it the second largest auto insurance company in the United States.

Geico is also known for great customer service – it finished in fourth place on J.D. Power’s 2019 Auto Claims Satisfaction Study. That means many customers were happy with the time it took to get their cars back and with their interactions with claims adjusters. You can get all the standard coverage options with Geico, plus:

Lastly, prices from Geico tend to be on the cheaper side for many drivers.

State Farm: 4.5 Stars

State Farm auto insurance is another provider that rose above the pack. We found State Farm to be the best option for students and young drivers since it has a few ways for these drivers to save money. Ways to save include:

  • Good student discount of up to 20 percent
  • Steer Clear driving education app with a discount upon completion
  • Discounts for good driving with Drive Safe & Save, available to anyone

State Farm finished just one point behind Geico in the Auto Claims Satisfaction Study, which makes it another great choice. It’s the largest auto insurance provider in the U.S. and has an A+ rating from the BBB and an A++ financial strength rating from AM Best. Extra options from State Farm include:

  • Roadside assistance
  • Rental car coverage
  • Rental deductible coverage
  • Rideshare insurance
  • Travel expenses

Get Quotes

Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.

Use our tool below or call (855) 518-0148 to start comparing personalized car insurance quotes:

 
 

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