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Utica Car Insurance
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The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.
The car insurance rate in Utica is $643 for a six-month policy, which is $113 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $288, making it a popular choice for budget-conscious drivers. Rates in Utica can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $288 for a six month policy, American National P&C offers the cheapest auto insurance rates in the city.
South Carolina Farm Bureau offers auto insurance rates at $374 for a six-month policy, making it one of the cheapest to insure with.
American National offers auto insurance rates at $414 for six months, making it the third cheapest auto insurance company in Utica.
Based on our research, the cheapest car insurance company in Utica, SC is American National P&C, offering policies at just $288 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $374.
At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $893 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Utica drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $288 | $49 |
| South Carolina Farm Bureau | $374 | $62 |
| American National | $414 | $70 |
| Auto-Owners Insurance Co | $429 | $71 |
| American Family | $651 | $111 |
| Farm Bureau | $656 | $110 |
| Encompass | $672 | $114 |
| Auto-Owners | $727 | $122 |
| USAA | $727 | $122 |
| Travelers | $752 | $127 |
| Progressive | $762 | $128 |
| Nationwide | $798 | $133 |
| Allstate | $853 | $144 |
| State Farm | $893 | $150 |
Save up to $971/yr with our auto insurance quotes
Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Utica are given below.
American National provides the cheapest minimum car insurance coverage in Utica. Their Average 6 Month Premium is $127. State Farm is the most expensive at $404 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National | $127 | $21 |
| American National P&C | $156 | $26 |
| Encompass | $187 | $31 |
| USAA | $187 | $31 |
| South Carolina Farm Bureau | $202 | $34 |
| Auto-Owners Insurance Co | $227 | $38 |
| American Family | $278 | $48 |
| Progressive | $288 | $48 |
| Auto-Owners | $308 | $52 |
| Farm Bureau | $313 | $52 |
| Travelers | $343 | $58 |
| Allstate | $354 | $60 |
| Nationwide | $383 | $65 |
| State Farm | $404 | $68 |
One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Utica is American National P&C at $49 per month and $288 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $288 | $49 |
| South Carolina Farm Bureau | $374 | $62 |
| American National | $414 | $70 |
| Auto-Owners Insurance Co | $429 | $71 |
| American Family | $651 | $111 |
| Farm Bureau | $656 | $110 |
| Encompass | $672 | $114 |
| Auto-Owners | $727 | $122 |
| USAA | $727 | $122 |
| Travelers | $752 | $127 |
| Progressive | $762 | $128 |
| Nationwide | $798 | $133 |
| Allstate | $853 | $144 |
| State Farm | $893 | $150 |
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The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.
Despite maintaining a clean driving record, your car insurance rates in Utica, South Carolina, may be increasing due to several external factors. South Carolina has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.
Additionally, Utica's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, American National P&C provides the cheapest car insurance in the Utica at $31 per month. At $136 for a six-month premium, American National offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $182 | $31 |
| South Carolina Farm Bureau | $263 | $45 |
| Auto-Owners Insurance Co | $288 | $48 |
| American Family | $313 | $54 |
| Travelers | $1131 | $190 |
| Farm Bureau | $1212 | $206 |
| Allstate | $1494 | $252 |
| USAA | $1499 | $252 |
| Auto-Owners | $1969 | $332 |
| Progressive | $2126 | $358 |
| State Farm | $2217 | $373 |
| Nationwide | $2893 | $492 |
| American National | $136 | $23 |
Teen Car Insurance Rates in SC by Age
Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
For those with poor credit scores in Utica, South Carolina Farm Bureau is the cheapest car insurance provider. At $379 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Utica is State Farm, offering rates of around $3151 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| South Carolina Farm Bureau | $379 | $63 |
| American National P&C | $530 | $90 |
| American Family | $606 | $101 |
| Auto-Owners Insurance Co | $636 | $108 |
| USAA | $813 | $135 |
| Progressive | $949 | $160 |
| Travelers | $969 | $163 |
| Allstate | $1091 | $184 |
| Farm Bureau | $1182 | $197 |
| Nationwide | $1217 | $207 |
| Auto-Owners | $1879 | $313 |
| State Farm | $3151 | $536 |
Save up to $971/yr on car insurance rates in Utica.
Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Utica, SC, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Utica include American National and American National P&C, offering $162 and $207, respectively. Allstate is an expensive provider with an average six-month premium of $1556.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National | $162 | $27 |
| American National P&C | $207 | $35 |
| Encompass | $232 | $39 |
| South Carolina Farm Bureau | $258 | $44 |
| American Family | $288 | $48 |
| Auto-Owners Insurance Co | $328 | $56 |
| Farm Bureau | $727 | $122 |
| Travelers | $737 | $124 |
| USAA | $762 | $128 |
| Auto-Owners | $818 | $138 |
| Progressive | $1010 | $170 |
| State Farm | $1182 | $199 |
| Nationwide | $1540 | $257 |
| Allstate | $1556 | $262 |
Here is a list of driving violations that can increase your car insurance rates in Utica SC. For example, the car insurance in Utica after a DUI increases to $591 for a six month policy. While the rate increases by $258 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1020 | $170 |
| One Med/PIP claim | $1020 | $173 |
| Not-at-fault accident | $1075 | $179 |
| Two Med/PIP claims | $1085 | $184 |
| One comp claim | $1091 | $182 |
| Two comp claims | $1126 | $191 |
| Failure to wear a seat belt | $1166 | $195 |
| Child safety restraint | $1192 | $202 |
| Driving without lights | $1192 | $199 |
| Failure to show documents | $1202 | $204 |
| Failure to yield | $1237 | $207 |
| Failure to stop at a red light | $1242 | $211 |
| Driving too slowly | $1278 | $213 |
| Speeding 6 - 10 MPH over limit | $1278 | $218 |
| Speeding in school zone | $1278 | $213 |
| At-fault accident - less than $1000 | $1283 | $218 |
| In 65 MPH zone | $1283 | $213 |
| Driving with expired registration | $1288 | $219 |
| Following too closely | $1288 | $214 |
| Illegal turn | $1288 | $219 |
| Speeding 11 - 15 MPH over limit | $1288 | $214 |
| Wrong way/wrong lane | $1288 | $219 |
| Cell phone violation | $1293 | $215 |
| Texting while driving | $1293 | $220 |
| Improper passing | $1298 | $216 |
| Operating a vehicle without permission | $1298 | $221 |
| Speeding 16 - 20 MPH over limit | $1298 | $216 |
| Speeding 21 - 25 MPH over limit | $1298 | $221 |
| Passing school bus | $1318 | $219 |
| Open container | $1328 | $226 |
| At-fault accident - $1000-$2000 | $1465 | $244 |
| At-fault accident - greater than $2000 | $1465 | $249 |
| Refusal to submit to a chemical test | $1590 | $265 |
| DUI | $1611 | $274 |
| Reckless driving | $1651 | $275 |
| Driving with a suspended license | $1656 | $281 |
| Racing | $1661 | $277 |
| Leaving scene of an accident/hit and run | $1717 | $292 |
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A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.
There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Utica.
The cheapest car insurance premiums in Utica are offered by American National P&C at $232 for a six-month policy. However, it can be as expensive as $197 with companies like American National.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $232 | $39 |
| American Family | $242 | $41 |
| South Carolina Farm Bureau | $247 | $42 |
| Auto-Owners Insurance Co | $515 | $88 |
| Farm Bureau | $611 | $103 |
| Travelers | $732 | $123 |
| Progressive | $762 | $128 |
| USAA | $802 | $135 |
| State Farm | $934 | $157 |
| Allstate | $1070 | $180 |
| Auto-Owners | $1343 | $224 |
| Nationwide | $1470 | $250 |
| American National | $197 | $33 |
One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Utica are offered by American National P&C at $207. However, it can be as expensive as $955 with companies like Nationwide for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $207 | $35 |
| South Carolina Farm Bureau | $232 | $39 |
| Auto-Owners Insurance Co | $258 | $43 |
| American Family | $293 | $50 |
| Auto-Owners | $616 | $103 |
| USAA | $641 | $109 |
| State Farm | $661 | $111 |
| Farm Bureau | $717 | $122 |
| Travelers | $732 | $123 |
| Progressive | $793 | $133 |
| Allstate | $914 | $154 |
| Nationwide | $955 | $162 |
Car insurance rates in Utica have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Utica rose by $148 in December compared to $146 of November. In other words, there has been an increase by $2 when you compare December and November.
The average cost of liability insurance in the Utica rose to $49 in December, compared to $47 in November. This represents an increase of $2 when comparing December and November.
How much is car insurance in Utica?
The car insurance in Utica is $21 per month, which is lower than the national average.
What is the cheapest car insurance in Utica?
The cheapest car insurance in Utica is $49 per month for full coverage.
How much is car insurance in Utica for teenagers?
Car insurance for teenagers costs $182 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in Utica?
The average cost of car insurance is $756 for a six-month policy. It will cost around $108 per month to insure your car in Utica.
Is car insurance expensive in Utica?
Car insurance can be expensive in Utica if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Utica can be affordable.
What is the best car insurance in Utica, SC?
The best car insurance company in Utica SC is American National P&C, offering $288 for a six-month policy.
Cut auto insurance costs in Utica right now.