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Auto Insurance in Utica, NY

Local car insurance for Utica. Pick your ZIP for the most local rates, or get free quotes now.

Short answer: car insurance in Utica, NY depends on your ZIP code, coverage level and driver/home profile. Compare free quotes from licensed partners in ~2 minutes. Local averages: get a quote for your exact rate.
Updated August 2026
Utica, NY
Population ~61,808 · Oneida County · New York statewide average: ~$1,753/yr (NAIC, 2023).

Utica ZIP codes

Car Insurance 13501
Car Insurance 13502
Car Insurance 13503
Car Insurance 13504
Car Insurance 13505
Car Insurance 13599

FAQ

How much is car insurance in Utica, NY?

Utica rates depend on your ZIP, coverage and profile; the New York statewide average is about $1,753/yr (NAIC, 2023). Compare free car insurance quotes from licensed partners.

Which ZIP codes are covered in Utica?

We list Utica ZIP-level pages below; each shows local car insurance details and free quotes.