Photo of a man hugging his daughter in the back seat of their insured car.
Auto Insurance

Coverage from Utica National is more than just insurance for your car. It is an expert collaboration with your local, trusted agent, offering personalized coverage that fits your current needs. 

Comparing auto insurance quotes.

You're on this site because of your interest in learning more about our company. Either your local trusted agent has recommended Utica National for your auto insurance, or you're still thinking about how to proceed with a quote.  

If you're still thinking about how to proceed, we strongly recommend you talk to a local agent. Your local agent is appointed by Utica National and is knowledgeable about the types of coverage available. 

We’re confident they will get the best coverage for your auto insurance needs because they know to ask the right questions, and they understand our coverage. Be sure to ask about our vanishing deductible, our diminished deductible, our value paks, and risk management. 

Customer Care center

Our mission is to help our policyholders feel secure, appreciated, and respected, especially in big moments in their lives.

Our digital Customer Care Center offers a tailored experience with increased functionality for registered policyholders. 

Here are some things to think about when seeking the right insurance. 

Did you know some auto insurance policies cover your pet?
A Utica National, some of our auto policies cover up to $750 per pet, for veterinary services for injuries in an auto accident.  

Are you covered if you are a passenger in a ride-sharing vehicle? 
If the operator doesn't have complete coverage, do you? Ask your agent about ride-sharing. 

What happens in the event of an accident with an underinsured driver? 
According to a 2017 study by the Insurance Research Council 13% of drivers in the US were uninsured in 2015. Are you protected if you are in an accident with an uninsured or underinsured driver?

Does your insurance cover the cost of fixing public property? 
In some jurisdictions, you could be responsible for the cost of fixing guardrails, lights posts and/or other public property. 

Did your life just change? 
Marriage? Kids? Kids moving out? Kids in college? All of these and more can impact your coverage needs and your costs. Talk to your agent. 

Do you know about credits and discounts? 
At Utica National, we have dozens of ways to help you save. Annual mileage credits, paid in full, anti-theft devices, occasional operator, educator discounts, and good students. Talk to your agent and find your qualifying discounts.  

An auto insurance policy can include all of your vehicles. 
Your boat. Your ATV. Your motorcycle. Your scooter. If it motors, it could be added. Talk to your agent about adding coverage into one policy. 

Combining auto and home will save you money
A bundle is good for organization and savings. One policy could result in easier organization, and increased savings. Talk to your agent about bundling.