The top-rated auto insurance agent in Utica, New York is Scott Grates - State Farm Insurance Agent, rated 5.0 stars across 291 reviews. Other highly rated options include Freeway Insurance, Matt Nimey Insurance Agency, AAA Utica. This directory lists 14 auto insurance agents serving Utica.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Scott Grates - State Farm Insurance Agent | 430 Trenton Rd | (315) 797-7763 |
| 2 | Freeway Insurance | 334 Genesee St | (315) 567-4346 |
| 3 | Matt Nimey Insurance Agency | By appointment Only, 2001 Bleecker St | (315) 737-6099 |
| 4 | AAA Utica | 430 Court St | (315) 797-5452 |
| 5 | Dan Meehan - State Farm Insurance Agent | 2023 Sunset Ave | (315) 735-4494 |
| 6 | BEACH AGENCY INC | 1111 Oriskany St W | (315) 793-7626 |
| 7 | Kajtezovic Agency Inc | 1022 Mohawk St | (315) 732-6790 |
| 8 | Scalzo Zogby & Wittig Inc | 120 Lomond Ct | (315) 792-0000 |
| 9 | Farmers Insurance - Michelle Santillo-Romano | 2400 Genesee St | (315) 765-6531 |
| 10 | Michael Garcia: Allstate Insurance | 2046 Genesee St | (315) 793-3322 |
Scott Grates - State Farm Insurance Agent serves the Utica, New York, metro area, providing auto insurance coverage to local drivers. The agency helps clients protect their vehicles with liability, collision, and comprehensive policies tailored to individual needs. It also offers guidance on deductibles and coverage limits to meet New York state requirements. Beyond standard auto policies, the company handles rental car reimbursement and roadside assistance plans for customers in this region.
Freeway Insurance in Utica, New York, offers both one-time policy purchases and recurring coverage options, depending on each driver’s need for short-term or continuous protection. As an auto insurance agent, the company helps customers select liability, collision, and comprehensive plans to meet New York’s minimum requirements and personal risk preferences. Service runs on a combination of one-time transactions for initial enrollments and scheduled renewals for ongoing accounts, with as-needed adjustments allowed after any life or vehicle change.
Matt Nimey Insurance Agency serves local homeowners, renters, and drivers, offering auto insurance policies tailored to standard coverage needs. It helps clients compare liability, collision, and comprehensive options to meet New York state requirements. The agency assists with policy changes, renewals, and filing claims. It provides clear explanations of deductibles and coverage limits for Utica area residents. The agency also serves neighborhoods in nearby communities such as New Hartford and the greater Oneida County metro area.
AAA Utica provides auto insurance policies for local drivers, including liability, collision, and comprehensive coverage. It also offers roadside assistance plans to help with towing, flat tires, or lockouts. The agency can adjust deductibles or coverage limits to match individual needs. Customers may bundle auto insurance with other policies for potential discounts. The agency serves a range of clients, from owners of single-family homes and apartment dwellers to retail businesses and restaurants in Utica, NY.
Serving Utica, New York, and the surrounding communities, Dan Meehan - State Farm Insurance Agent provides auto insurance policies for local drivers. This agency handles coverage for personal vehicles, helping clients meet state requirements and protect their assets. To manage a typical policy, the agent takes time to review each driver's specific needs, mileage, and vehicle type before matching them to an appropriate plan. A thorough comparison of available coverage options and deductibles helps ensure the final policy offers balanced protection.
BEACH AGENCY INC offers auto insurance options that differ between one-time policy purchases and recurring coverage plans tailored to ongoing protection. Based in Utica, NY, the agency helps drivers select appropriate liability, collision, and comprehensive policies for their vehicles. The team provides guidance on deductible choices that align with individual budgets and coverage needs. Service runs on a one-time, scheduled, or as-needed basis depending on each client’s preferred policy renewal interval or request for adjustments.
As an auto insurance agent, Kajtezovic Agency Inc focuses on helping clients find appropriate coverage for their vehicles, including liability, collision, and comprehensive plans. The agency assists Utica, NY, drivers in comparing policies from multiple carriers to match individual needs and budgets. It guides customers through the often complex process of understanding deductibles and coverage limits. Ahead of the harsh Utica winters, the agency helps drivers review their policies to ensure they are protected against accidents and damage caused by ice, snow, and black ice on local roads.
Scalzo Zogby & Wittig Inc provides ongoing risk management services for drivers navigating Utica, New York roadways. The agency specializes in adding comprehensive coverage options, including liability protection and uninsured motorist policies. Clients receive personalized guidance when comparing available policy limits. Its team helps commercial clients assess necessary endorsements for their vehicles. The company can serve local offices needing fleet coverage, warehouses requiring high liability limits, and food service businesses transporting goods.
Residents of the Utica area can secure personal auto insurance coverage through this agency. Commercial automobile policies are also available for local businesses and their vehicles. The service area includes the greater Utica region, ensuring nearby clients can access professional advice on their coverage options. Dedicated agents work to review individual needs for drivers and business fleets alike. Clients often return for policy updates or adjustments between their regular scheduled visits.
In Utica, changing weather from lake-effect snow to summer storms often demands a review of coverage for local drivers. Michael Garcia: Allstate Insurance responds by helping customers align their policies with these seasonal shifts in road risk. As an auto insurance agent serving the greater Utica area, the operation focuses on explaining standard coverages such as liability, collision, and comprehensive protection. The process of adjusting or selecting a new plan begins with a straightforward inspection of the current policy or an initial-assessment session to understand individual driving needs.
What Does an a Auto Insurance Agent in Utica Cost?
Auto insurance costs in Utica New York vary by driver age driving record and vehicle type. Average annual premiums in New York state range from about 1,300 to 2,500 dollars for full coverage. Minimum liability policies may cost 600 to 1,000 dollars per year. This is general information and not insurance advice.
About auto insurance agents in Utica
Auto insurance agents in Utica New York help drivers find coverage that meets New York state minimum liability requirements. New York law mandates at least 25 thousand dollars for bodily injury per person and 50 thousand dollars per accident. A local agent can also explain optional coverages like no-fault benefits and uninsured motorist protection.
Frequently Asked Questions
What are the minimum auto insurance requirements in New York?
New York requires at least 25 thousand dollars in bodily injury liability per person and 50 thousand dollars per accident. You also need 10 thousand dollars for property damage liability and 50 thousand dollars for no-fault personal injury protection.
How do I choose an auto insurance agent in Utica?
Look for an agent licensed in New York who offers policies from multiple insurers. Ask about their experience with Utica area drivers and whether they can explain New York specific rules like the no-fault system and the statute of limitations for claims.
What is the statute of limitations for auto accident claims in New York?
In New York you generally have three years from the date of the accident to file a lawsuit for bodily injury. For property damage claims the time limit is also three years. An agent can help you understand how this affects your coverage needs.
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