Payment Plans/Options

We offer numerous payment plans for your convenience. To set up automated billing, please log into our Customer Care center

Down payments

  • If the 1st installment is not collected at the time the policy is written, we will bill you for the 1st installment 20 days prior to the due date chosen by the insured. If the policy was written within 20 days of the due date, then the 1st installment amount will be included with the 2nd installment amount.
  • Credit/Debit Cards: Accepted on all Personal Lines and Commercial Lines policies. Credit/Debit card payments will be accepted up to $10,000 on commercial lines policies.
  • Checking/Savings accounts: Accepted on all Personal Lines and Commercial Lines policies. Checking/Savings account payment method may be used for payments up to $500,000.

Pay-in-Full

Pay your entire premium when you purchase your policy or when you renew.

Semi-Annual Pay Plan

1st installment = 50%
2nd installment = 50% due 6 months later

Quarterly Pay Plan

1st installment = 25%
2nd, 3rd and 4th installments = 25% due every quarter

10 Equal Pay Plan

1st installment = 10%
2nd – 10th installments = 9 remaining installments (each 1/10 of the premium) due monthly

10 Pay Plan

1st installment = 20%
2nd – 10th installments = 9 remaining installments (each 1/9 of the premium) due monthly
Exception E&O: 1st installment = 25%, 2nd-10th remaining installments (each 1/9 of the premium) due monthly

12 Pay Plan

1st installment = 8.34% (1/12 of the premium)
2nd – 12th installments = 11 remaining installments (each 1/12 of the premium) due monthly

Installments are rounded to the nearest dollar. An installment fee applies to each invoice, other than the 1st installment. Installment fees do not apply to policies on Recurring EFT (checking/savings).

Recurring Electronic Funds Transfer (EFT)

Payments are automatically withdrawn from your checking or savings account on the due date, based on the payment plan you selected. No installment fee applies.

Recurring Debit/Credit Card

Payments are automatically collected from your debit/credit card on the due date, based on the payment plan you selected. We honor Visa, MasterCard, and Discover cards. Installment fees apply.

  • Personal Lines policies: Available on all policies
  • Commercial Lines policies: Available on all policies. Recurring debit/credit card payment must be below the $10,000 limit.

Online payment

We offer several options to pay online:

  • Customer Care Center – Registered users can make a payment from our Customer Care Center. The bank account information is stored for ease of use.
  • Xpress PAY – Make a one-time payment The bank account information is not stored.
  • Mobile AdvantEDGE app – Download our mobile app to make a payment from your cell phone.

Mail a payment

Mail payments via US mail to:
Utica National Insurance Group
PO Box 6532
Utica, NY 13504-6532

Pay through your agent

Visit your agent’s office to pay your premium.

Phone-in a payment

  • Contact our Customer Service department at 1-800-59UTICA (800-598-8422) to make a payment over the phone. A $10 phone fee applies.
  • You can also make a payment using our Interactive Voice Response (IVR) phone system. Simply call our customer service number (1-800-59UTICA) and follow the prompts.