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Home Insurance in Utica, NY

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

Short answer: home 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: ~$1,628/yr (NAIC, 2022).

Utica ZIP codes

Home Insurance 13501
Home Insurance 13502
Home Insurance 13503
Home Insurance 13504
Home Insurance 13505
Home Insurance 13599

FAQ

How much is home insurance in Utica, NY?

Utica rates depend on your ZIP, coverage and profile; the New York statewide average is about $1,628/yr (NAIC, 2022). Compare free home insurance quotes from licensed partners.

Which ZIP codes are covered in Utica?

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