Utica National Insurance Review

Updated October, 2020
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Utica National is an excellent choice in auto insurer for standard drivers. They've been ranked as a Top 100 insurance provider and have 24/7/365 claims services. Easy online bill pay and unique policy customizations set them apart from competitors.

Utica National Insurance overview

Utica National was established in 1914 in New York City. It has 2,200 independent insurance agents and employs over 1,200 people countrywide. Serving 49 out of 50 states, Utica National has coverage options for every driver.

Utica National was ranked in the Top 100 of insurance providers in the United States by the National Underwriters in 2006. They also have an AM Best rating of A-.

Utica National serviced more than $727 million worth of premiums last year and strives for a good relationship with policyholders.

Additional coverage options

Utica National's auto policies include all the basics but if you're looking for more or different coverage, consider one of their 2 optional policies:

  1. Auto Essentials Policy: Offers a basic policy at a reduced premium. It’s designed for people who don't have a lot of assets to protect and don’t need a lot of options, although it still offers a choice of coverage limits and discounts.
  2. Auto Extension Pack: takes the coverage to the next level with the following features:
  3. Diminished Deductible (a program that reduces your deductible for good driving)
  4. Accident Forgiveness
  5. Airbag Malfunction
  6. Gap coverage
  7. Emergency Living Expenses
  8. Increased roadside assistance
  9. Death benefits

Filing a claim is simple:

  • Online Claims Form: File on your Utica online portal
  • Claims Phone Number: 1-800-216-1420
  • Fax: 888-538-2018
  • Mail: P.O. Box 5310, Binghamton, NY 13902-9955

File your claim any time using the above claims form. Call the claims number to speak to an agent directly.

Utica National is ready to assist you 24/7/365 with claims. To report a claim, make sure to have the following information available:

  • The policy number
  • The name of your independent agent
  • The date and details of the incident

Pros

  1. Easy Online Bill Pay: Pay your bill online conveniently.
  2. 24/7/365 Claims Services: Utica National boasts a year round, any time claims service.
  3. Policy Customizations: Utica National allows you add additional coverages as well as choose more simplistic coverage options.

Cons

  1. No Instant Quotes: In order to receive a quote you need to contact an agent.

Utica National Insurance coverage options

  • Property Damage Liability Coverage: Covers the costs incurred from damaging another person’s property.
  • Bodily Injury Liability Coverage: This pays for the damages if the insured is deemed responsible for injuries or death to another individual.
  • Medical Expenses: Pays for medical expenses resulting in injuries caused to your passengers or driver of the insured auto.
  • Under-insured And Uninsured Motorist Coverage: Covers medical expenses caused by another driver who doesn't carry enough insurance to pay for all the damages.
  • Collision Coverage: Pays for the cost of damage to the insured car when in an at-fault accident.
  • Comprehensive Coverage: Covers expenses caused by damage to the insured car by any other means besides an accident. This includes theft, severe weather, tree limbs falling, etc.

Utica National insurance discounts

Utica National offers a variety of discounts to lower your rates further. Here are some discounts you may be eligible for:

  • Pay In Full: If you choose to pay your premium in full at the start of each term, you get a discount.
  • Multi-Car Discount: Receive a discount for insuring more than one vehicle with Utica National.
  • Multi-Policy Discount: Receive a discount for having multiple policies with Utica National such as home + auto.
  • Good Student Discount: Get rewarded with a good student discount if you or someone on your policy has good grades.
  • Anti-Theft Device: Install an anti-theft device in your car for a discount.
  • Annual Mileage Credit: If your vehicle is on the road less, you pay less for insurance.
  • Airbags and Motorized Seat Belts: Earn a discount on personal injury and medial payment coverage with airbags and motorized seat belts.
  • Anti-lock Brakes: Earn a discount on your premium for most coverage if you have anti-lock brakes.
  • Electronic Stability Control: Earn a discount on most coverage premiums if your vehicle has Electronic Stability Control.
  • Daytime Running Lights: Daytime running lights on your car earns a discount.
  • Company Car: Get our multi-car discount if you have a company car available for your personal use.
  • Away At School: If your young driver is away at school, without the car, earn a discount on that vehicle’s premium.
  • Electronic Funds Transfer: Eliminate all billing service charges if you pay your bill with EFT (Electronic Funds Transfer).

Consider Utica National Insurance if...

Utica National is a top nation-wide insurer with unique policies and ample discounts. 24/7 claims services set them apart from most insurers and resources like online bill pay make them a solid choice for most drivers.

Consider alternatives to Utica National Insurance if...

If you're looking for instant, online quotes to compare at home, Utica National isn't for you. They require drivers to contact a local agent for policy and pricing details.

What's my best insurance option?

When shopping for car insurance it's important to compare several quotes side-by-side.  This gives you the best pricing & coverage options.

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Get cheap insurance quotes, today!
Our team will help you find the lowest insurance prices.
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