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Get Cheap Car Insurance in Utica, MO

We monitor insurance prices, helping the average driver in Utica save up to 28.5% on car insurance.

 

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The Cheapest Minimum Coverage in Utica

The chart below shows the cheapest car insurance company in Utica for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Travelers, Safeco Insurance, and Clearcover.

 
Utica Insurer Monthly Cost
State Farm $67
Travelers $67
Safeco Insurance $68
Clearcover $73

Savings for Every Kind of Utica Driver

The table shows how much the average auto insurance customer in Utica might save by following our recommendations.

Based on our extensive insurance data, we know the average Utica driver will save about 27% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $476 per year by choosing the right vehicle insurance company. Some Utica residents are paying out over $1,765 extra every year for auto insurance in Utica. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Utica, MO Savings / Yr.
Drivers with good records
$476
Drivers with accidents
$664
Drivers with speeding tickets
$608
Drivers with a DUI conviction
$680
Young drivers
$1,435
Married drivers
$370
Drivers with bad credit
$568

Utica Car Insurance vs. Missouri

People living in Utica pay an average of 1.99% less than the typical driver in the state. The average driver in Utica can expect to pay about $1,087 per year, or $1,765 for full coverage.

Based on our analysis, Clearcover will be the cheapest provider in Utica for most people.

Car Insurance Prices by Utica Neighborhood

Utica, MO map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Utica?

The map shows insurance prices in and around Utica, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $5 per year within the city boundaries, with insurance premiums ranging from a high of $1,766 to a low of $1,761. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southeast parts of Utica.

Pick the Best Car Insurance Company for You in Utica

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Utica insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Utica

For drivers with clean driving records and no major strikes, Clearcover is the best option, with annual savings of $476 over the average Utica car insurance company.

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We use the average good driver, paying $107 per month, as our baseline for pricing in Utica. Travelers, Clearcover, and Safeco Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Utica drivers with accidents on their records

In Utica getting into an accident will raise premiums an average 32% for a yearly cost of $2,603. That's $838 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Travelers, Clearcover, and Safeco Insurance are good choices for drivers with accidents.

In our analysis, Travelers saved the average person who had been in an accident the most, with annual savings averaging $664 over the competition.

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The best car insurance company for Utica drivers with speeding tickets

>Clearcover gave the average person with a speeding ticket the most savings, averaging $608 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Utica, tickets raise premiums on new quotes about $705. If you have a speeding ticket, we recommend State Farm, Travelers, and Clearcover for savings that beat the average insurance cost of $2,470 per year.

The best auto insurance for Utica drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,604 per year in auto insurance premiums, which was $839 more than a driver with no major issues. State Farm, Clearcover, and Gainsco penalized their customers the least for a DUI.

Getting a quote from Clearcover may cost the average person with a DUI about $680 less each year.

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The least expensive car insurance company for new and young drivers in Utica

In Utica, Travelers costs young drivers $1,435 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 66% more for insurance than more mature drivers in Utica. With an average cost of $5,178 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Allstate, and Travelers try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Utica

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $206. State Farm, Progressive, and American Family Insurance provided the largest discounts to couples living in Utica.

State Farm gave the largest car insurance discounts to married couples, averaging $370 saved each year compared to an average Utica couple's premiums.

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The cheapest car insurance in Utica for drivers with bad credit

People with poor credit saved an average of $568 with Travelers.

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Many people are surprised that their poor credit score can cost them an average of $1,154 every year. Premiums for people with poor credit were about $2,919 in Utica. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Nationwide, and Travelers.

The best Utica car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Utica, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Utica.

Nationwide was the best company for customer service in Utica according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Utica, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Utica. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Utica

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 9.7% of Utica residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Utica driver can expect to pay about $114 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Utica, USAA has the best prices for drivers with speeding tickets, drivers with bad credit, drivers with a DUI conviction, married couples, good drivers, drivers with accidents, and young drivers.
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Auto Insurance Prices in and Around Utica

What Influences the Cost of Car Insurance in Utica?

On average, car insurance in Utica is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Utica is 26 minutes, which is far less than average for a driver in the state.
  • Missouri state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Utica are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
  • Utica is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Utica is $91 per month for minimum coverage and $147 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

Cities with Similar Populations

* Who is the average Utica driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Utica with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.