Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 9, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Utica National Insurance

Premiums
Claims
Feedback
Financial Strength



Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

 Secured with SHA-256 Encryption

Utica National is a group of companies known mainly for business insurance, but offering several lines of individual insurance as well. With over 100 years in business, Utica is a solid company that has grown to be one of the top 100 insurance companies in the U.S.

What is Utica National?

Utica National Insurance traces its roots back to two companies, Utica Mutual Insurance Company and Graphic Arts Mutual Insurance Company, both founded in 1914. Today the group of companies has grown to include several more under the Utica National Insurance group umbrella, writing a variety of different policies across the nation.

The inclusion of Graphic Arts Mutual Insurance Company as a primary subsidiary has landed the company a position as a major specialty insurer in the Graphic Communications industries. They also have a lot of business in the area of errors & omissions coverage for insurance agents and similar businesses.

Based out of New Hartford, New York, the insurer has offices across the country representing both the primary and other subsidiaries. Their agents are scattered across the nation offering policies for both personal and commercial lines.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

 Secured with SHA-256 Encryption

Your one-stop online insurance guide. Get free quotes now!

 Secured with SHA-256 Encryption

What Types of Insurance Products Are Offered?

Although they are best known as something of a specialty commercial insurance company, Utica does offer both basic and specialty personal line policies as well.

Can I Get Auto Insurance?

The comprehensive auto insurance program includes all of the basic coverage as well as a few less-common extension features.

The Auto Essentials policy is Utica’s budget-friendly option for good drivers. This option offers a basic policy at a reduced premium. It’s designed for people who do not 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.

The Auto Extension Pak takes the coverage to the next level with the following features:

  • Diminished Deductible (a program that reduces your deductible for good driving)
  • Accident Forgiveness
  • Airbag Malfunction
  • Gap coverage
  • Emergency Living Expenses
  • Increased roadside assistance
  • Death benefits

Among other benefits, Pet Medical included with its auto policies free of charge.

There is a long list of discounts available, from common features like good driver, to discounts for Electronic Stability Control and a green vehicle.

Other Vehicles

Policies are available to cover other vehicles and “toys” such as motorcycles, boats, and snowmobiles. Each policy includes coverage specific to that vehicle, such as motorcycle gear coverage and trailer coverage.

Can I Get Home Insurance?

Unlike the auto program, the website offers very limited information regarding their home insurance policies. Homeowner’s insurance from the company offers structure coverage, personal property coverage, and liability protection.

Renter’s Insurance policies that cover the personal property of those who live in rental homes and apartments are also offered.

Can I Get Business Insurance?

Business insurance is a big part of its market, offering coverage for both main street businesses and specialty markets.

Coverage is offered for the following business types:

  • Bakeries
  • Bed and Breakfast
  • Child Care Centers
  • Funeral Homes
  • General Business
  • Graphic Communications
  • Libraries
  • Professionals
  • Quick Foods
  • Small Business
  • Religious Institutions
  • Retailers
  • Wholesalers
  • Volunteer Fire Departments

The insurer also provides coverage for the following “niche” markets:

  • Artisan Contractors
  • Auto Service
  • Educational Institutions
  • Energy Dealers
  • Financial Institutions
  • Franchised and Non-Franchised Auto Dealers
  • Light Manufacturing
  • Machine Shops

The company also offers bonds, Worker’s Compensation, and Agent Errors & Omissions coverage.

What Additional Products Are Offered?

Personal Lines

The company rounds out their insurance offerings for individuals with personal umbrella insurance and identity theft insurance.

Are the Company’s Rates Competitive?

As Utica is an agent-driven insurance company, online quoting is not available, and therefore comparing rates is not easy. In general, insurance companies that use agents to sell their policies tend to have higher rates than direct-buy insurance companies that do not need to pay agent commissions.

The company does offer its Essentials plan, which promises to offer 10% reductions for good drivers. This indicates that those with clean driving records are likely to qualify more easily for competitive rates. A company like Utica is not likely to be particularly low-priced for anyone who has tickets or accidents on their record.

The company has a good list of discounts, which are helpful when it comes to bringing down rates but will do the most good to those who already qualify for good rates thanks to a clean driving record.

How Are Claims Processed?

Claims can be reported either through the 24-hour claims line or online on the Customer Care site. There is also fax and mailing address information available on the website.

Similar to most major insurance companies, there is a Direct Repair program through which repairs are guaranteed for as long as the car is owned, as long as one of the in-network shops is used for repairs.

The insurer promises fast and fair claims service, and that the claim will be settled as quickly as possible, but does not provide a timeline for claims or further in-depth information about the process.

Your one-stop online insurance guide. Get free quotes now!

 Secured with SHA-256 Encryption

Are There Any Consumer Complaints Against the Company?

Although not accredited, Utica has an A+ rating with the BBB, and in the past three years had only 11 complaints filed, two of which were closed in the last 12 months. This is an incredibly low number for a large insurance company. It should be noted though that this covers only the head office in New York, and there may be other complaints for other branches directly.

There are very few reviews of the company out there, which is generally a positive sign. People are much more likely to write a review when they are unhappy than when things are going smoothly. As a result, no reviews is usually good news when it comes to insurance companies.

What is the Company’s Financial Strength Rating?

Rating Company Grade Financial Outlook
AM Best A- Stable
Fitch N/A N/A
S&P N/A N/A

What’s the Bottom Line?

Although it’s difficult to ascertain how competitive Utica’s rates will be without easy access to a quote, everything else about the company points towards it being well worth the time to get one. A solid auto insurance program with plenty of features is the central attraction in their personal lines products, and the long list of discounts is certainly appealing. Those who are looking for the service of an agent, and willing to pay a little more for that service, should consider the company.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

 Secured with SHA-256 Encryption