What does Utica Insurance have to offer?

 
 

Utica National Insurance Group offers a multitude of insurance options in different states, but its roots are in Utica, New York. Today, we will take a closer look at Utica insurance reviews from customers, coverage options, claims, and more. 

If you’re considering getting car insurance through Utica National, we recommend getting a quote so you can see what your coverage and rates would look like.

Finding the right car insurance may seem like a hard and tedious decision, but we have reviewed the best auto insurance providers to help you make the right decision. Use the tool above or call our team at (844) 246-8209 to get free, personalized quotes from providers available in your state.

 

In this article:

 


 

The Utica National Insurance Group Overview

The Utica National Insurance Group was founded in 1914 and is over 100 years old – 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 homeowners 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 49 states, providing insurance coverage in all states 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, indicating excellent financial strength. It’s not rated by the Better Business Bureau (BBB), but all 7 customer reviews on the BBB website give the company one star.

 


 

Utica Insurance Coverage

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 coverage: 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 insurance 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.

To see how much you would pay for car insurance, use our tool below or call us at (844) 246-8209 to start comparing car insurance quotes:

 

Utica Insurance Discounts

Since Utica Insurance is offered by multiple companies in different states, prices can differ greatly. However, the company does offer some discounts to help people save money, including:

Utica Insurance Discounts Eligibility Details
Annual mileage credit Save money if your vehicle is on the road less.
Multi-vehicle discount Save money by insuring multiple cars on the same policy.
Bundling discount Save money when you bundle your coverage and insure your home through the same provider.
Pay-in-full discount Save up to 10% when you pay your full annual premium in full.
Airbags and motorized seat belts discount Save up to 30% on PIP and MedPay by having a car with airbags and motorized seat belts.
Anti-lock brakes Save money on your premium if your car has anti-lock brakes.
Anti-theft devices Save money on your comprehensive coverage.
Electronic stability control Save money on your premium if your car has electronic stability controls.
Daytime running lights Save money if your car has daytime running lights.
Good student discount Save money if a full-time high school or college student on your policy has a high GPA.
Company car discount Save up to 25% if you have a company car available for your personal use.
Away at school discount Save money on your premium if a student on your policy is away at school without a car.
Electronic funds transfer (EFT) discount Save money if you eliminate billing service charges by paying your bill using EFT.
 

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.

 


 

Utica Insurance Reviews and Ratings

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. 

Utica Insurance Reviews From Customers

“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

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.

 


 

Is There A Utica Insurance Mobile App?

Utica Insurance customers used to be able to manage insurance 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 Take On Utica Insurance: 4.0 Stars

We rated Utica National Insurance Group 4.0 out of 5.0 because it is available in most states and has a long list of discounts, but it is only available through independent agents and has poor customer reviews. We recommend getting quotes from other insurers and comparing their coverage options so you can get the best coverage for the best price. 

Utica Pros Utica Cons

Available in every state except Hawaii

Only available through independent agents

Financial strength rating of A- from AM Best

Not rated by the BBB

Some discounts available

Poor customer reviews

 

App not working
 

Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and insurance 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 (844) 246-8209 to start comparing personalized car insurance quotes:

 

 


 

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 car 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 Insurance logo

Geico Insurance: 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 2019, it wrote over $34 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 its great customer service – it was ranked highest on the J.D. Power U.S. Insurance Shopping Study and in a couple of regions in the U.S. Auto Insurance Study.

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

To learn more, read our full Geico review.

State Farm Insurance logo

State Farm Insurance: 4.5 Stars

State Farm 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.

To learn more, read our full State Farm insurance review.

 


 

Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

 

 

Read our other insurance articles: