Utica Insurance Rates:

Utica, NY home insurance is approximately $498 to $672, about $41-$56/month. Our comprehensive guide indicates shoppers can save upto $234 by comparing different quotes

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Utica Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Chubb Group of Insurance
Home Insurance Rate of $840/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $145,000

3 Beds, 3 Baths 2250 sqft Vacation Property Constructed In 1943 with Carpet Flooring, Slate Shingles Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

55 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $660/10 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $75,000

2 Beds, 2 Bath 1080 sqft Vacation Property Constructed In 1966 with Carpet Flooring, Tile Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Single Female who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $530/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Bath 2370 sqft Rental Property Constructed In 1963 with Wood Flooring, Membrane Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Single Male who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $780/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $95,000

2 Beds, 2 Bath 1390 sqft Vacation Property Constructed In 1959 with Ceramic Tile Flooring, Slate Shingles Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Single Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1510/7 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $300,000

5 Beds, 5 Baths 4960 sqft Vacation Property Constructed In 1968 with Hardwood Flooring, Wood Shake Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Divorced Male who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $230/3 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $110,000

3 Beds, 3 Baths 1950 sqft Rental Property Constructed In 1954 with Hardwood Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $690/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $115,000

3 Beds, 3 Bath 1620 sqft Seasonal Residence Constructed In 1960 with Ceramic Tile Flooring, Wood Shake Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Deadbolt Locks, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Married Male who is a Freelancer with household income of more than $150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1160/7 months for $100,000-$125,000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Baths 1691 sqft Rental Property Constructed In 1943 with Hardwood Flooring, Asphalt Shingles Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Indoor Sprinklers, Fireplace, Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Single Female who has a Full Time Job with household income of $75-$100,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Utica, NY Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
13501 $94,100 $590
13502 $92,800 $590

Utica Rates & Quotes Analysis:

Utica Area Estimated House Insurance
W Dawes Ct, Ontario St, Jefferson Ave, Linwood Pl, Conkling Ave, Proctor Blvd, Symonds Pl, Roseclair Ave, Ney Ave, Hillcrest Ave$583
Thomas St, Lathrop Pl, Kemble St, Poe St, Sarah St, Belmont Ave, Hawthorne Ave, Avery Pl, Nellis Pl, Watkins Ave$582
Bennett St, Hart St, Riverside Dr, Dewitt St, Armory Dr, Sherman Pl, Oriskany St W, Burth St, Ballantyne Brae, Crouse St$577
Cosby Rd, Ridge Rd, Robin Rd, Noyles St, E Adrean Ter, Frederick Pl E, Tamarack St, Lenox Ave, Cornelia Pl, Harbor Point Rd$None
Northern Rd, Howe St, Mary Ave, Talcott Rd, Homestead Dr, Carton Ave, Parkway E, Ty Pl, Wilcox St, Beechgrove Pl$587

Insurance rates are influenced by a number of factors including:

  • Year Built: 14,500 Homes (51% of total homes ) built between 1939 or earlier in Utica are paying home insurance between $1,253-$1,261. Places close to Utica, NY such as New Hartford, Marcy, Deerfield are more expensive by $21, $32, $19 respectively while Clayville and Dolgeville are cheaper by $11 and $10 respectively for similar homes.
  • Bedrooms: 11,913 3 bedrooms homes (43% of total homes ) in Utica are paying about $275. Areas near to Utica such as Yorkville, Washington Mills, Whitestown are costlier by $6, $7, $3 respectively whereas Frankfort and Paris are more economical by $4, $3 respectively for similar homes.
  • Auto Insurance Bundling: 1,750 Households (14% of all households) in Utica have 3 or more vehicles available and when it is bundled with home insurance you can save $146. Discounts for similar bundling in close by locations such as Yorkville, New York Mills, New Hartford come to $146, $146, $149 respectively.
  • Senior Discounts: 6,363 seniors (more than 55 years) occupied housing units (53% of total) in Utica get discounts between $87 to $89. The comparative concessions in proximate regions such as Yorkville, New Hartford and Marcy are $87, $89 and $90 respectively.
  • New Homes discounts: New homes such as the 5,949 homes built between 2000 to 2009 in Utica can save $117 compared to Yorkville ($116), New York Mills ($117), New Hartford ($119).

Utica Homeowners insurance Facts

  • Utica, NY has 11,796 owner occupied houses which is 48.5% of all units whereas Yorkville, New York Mills and New Hartford have 69.34%, 46.56% and 73.77% respectively.
  • Utica, NY homeowners yearly insurance price at $585 is 0.66% of the typical house value of $88,400 which is in contrast with 0.7% in Yorkville, 0.65% at New York Mills & 0.41% in New Hartford.
  • Homeowners in Utica, NY pay 1.06% of their income ($50,000 to $59,999) in insurance whereas homeowners in Yorkville, New York Mills and New Hartford pay 1.06%, 1.06% and 1.08% respectively.
  • Utica, NY’s insurance is 4.3% of monthly housing costs of $1,139/month, for owners with a mortgage compared to 4.62% in Yorkville, 3.95% at New York Mills & 3.5% in New Hartford. But, for households without a mortgage, insurance is 10.9% of costs ($448 in Utica, NY) in contrast with 9.99% in Yorkville, 9.45% at New York Mills & 8.38% in New Hartford.

Utica, NY Home Values & Insurance rates

For example, insurance for 282 Homes (2.0% of total homes ) valued between $175,000 to $199,999 in Utica, NY is about $1,240. Rates in nearby areas in such as New York Mills, New Hartford, Whitesboro are cheaper by $18, $478, $41 respectively while Schuyler and Clark Mills are costlier by $23 and $83 respectively for similar homes.

Utica, NY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,771 15.0% $163
$50,000 to $59,999 914 7.0% $345
$60,000 to $69,999 877 7.0% $427
$70,000 to $79,999 1,069 9.0% $491
$80,000 to $89,999 1,516 13.0% $561
$90,000 to $99,999 1,300 11.0% $625
$100,000 to $124,999 1,595 13.0% $725
$125,000 to $149,999 997 8.0% $906
$150,000 to $174,999 660 5.0% $1070
$175,000 to $199,999 282 2.0% $1240
$200,000 to $249,999 227 1.0% $1491
$250,000 to $299,999 166 1.0% $1819

Renters Insurance in Utica

  • Average Renters Insurance in Utica :  $205($17/month)

  • Median Gross Rent in Utica :  $639

  • Utica Renters Insurance to Median Rent Ratio:  2.66%

  • Average household size of renter-occupied unit :  2.36

Utica Renters Insurance as a Percentage of Rent

Utica Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 305 2.0% $351
$200 to $299 823 6.0% $801
$300 to $499 2,006 16.0% $1251
$500 to $749 4,750 39.0% $1926
$750 to $999 2,600 21.0% $2676
$1,000 to $1,499 1,264 10.0% $3801
$1,500 or more 259 2.0% $5451

Protective device discount in Utica Up to :  $30

Claims-free discount in Utica Up to :  $41