Is Utica National Insurance Good?
Last Updated on January 29, 2026
Utica National Insurance Group (often referred to as “Utica National”) is a long-running property and casualty insurer that sells most policies through independent agents. If you like having an agent advocate for you—especially for homeowners or small business coverage—Utica National can be a strong fit. If you prefer instant online quotes and fully self-serve buying, it may feel less convenient.
This review focuses on what most shoppers care about: financial strength, coverage options, discounts, claims experience basics, and where the company is licensed. (Details can vary by state and by the specific Utica National member company listed on your declarations page.)
Our Rating of Utica National Insurance Group
3.8
out of 5
★★★★☆
Summary
Bottom line: Utica National can be a good fit if you want independent-agent guidance and the option to bundle personal and small-business coverage, but it may feel slower if you want a fast, fully online quote-and-buy experience.
Utica National Insurance Group primarily sells through independent agents, which can be a plus when you need help comparing limits, deductibles, and endorsements across auto, home, umbrella, and small-commercial policies. The tradeoff is convenience: shopping and binding is often more agent-led than direct writers, and availability, discounts, and even underwriting entities can vary by state and the member company on your policy documents.
Best for
- Drivers who prefer working with an independent agent
- Bundling auto with home, renters/condo, or umbrella (where offered)
- Small-business owners who want agent-guided commercial options
Not ideal for
- Shoppers who want instant online quotes and self-serve buying
- Drivers who prioritize an app-first, fully digital experience
- People in states where the desired program or member company isn’t available
Utica National Insurance At a Glance
| Category | What to Know |
|---|---|
| How You Buy | Primarily through independent agents (agent-led quoting and advice). |
| Financial Strength | AM Best Financial Strength Rating of A (Excellent) with a stable outlook (per Utica National’s published financial strength information). |
| Personal Lines | Auto, homeowners, renters/condo, umbrella, and specialty personal products (availability varies by state). |
| Business Lines | Strong small commercial focus (BOP, workers’ comp, commercial auto, umbrella, and specialty coverages). |
| Claims Reporting | Phone and online reporting available; claims phone: 800-216-1420. |
| Where It’s Sold | Operates through multiple underwriting companies; licensing varies by entity—see the official licenses list. |
- Our Rating of Utica National Insurance Group
- Utica National Insurance At a Glance
- Bottom Line: Is Utica National Insurance Good?
- Pros And Cons
- Ratings, Complaints & Trust Signals
- Utica National Auto Insurance
- Other Coverage Options
- Discounts And Ways To Save
- Claims And Customer Experience
- Financial Strength And Stability
- Where Utica National Is Available
- How To Get A Quote
- How To File A Claim
- How To Check Complaints, Licensing, And Trust Tell-Tales
- Our Expert Take
- FAQs on Utica National Insurance
Bottom Line: Is Utica National Insurance Good?
For the right customer, yes. Utica National tends to shine when you want a relationship-based experience through an independent agent, need coverage that’s a bit more tailored than “one-size-fits-all,” or you’re insuring a small business alongside personal policies.
It may be less ideal if your top priority is a fast, fully online quote-and-buy experience with minimal human interaction. Utica National is built around agent distribution, and that impacts how quickly you can shop and bind compared to direct-to-consumer carriers.
Who Utica National is best for (and who should look elsewhere)
| Usually a good fit if… | Consider other insurers if… |
|---|---|
| You want an independent agent to guide coverage and help with claims. | You want instant online quotes and a fast “click-to-buy” checkout. |
| You’re insuring a home + umbrella and want advice on endorsements. | You prefer managing everything in an app with minimal human interaction. |
| You own a small business and want commercial coverage options alongside personal policies. | You’re shopping purely on speed and want to compare 10 prices in 10 minutes. |
| You care about financial stability and want to verify ratings before buying. | You don’t want to involve an agent for policy changes, billing questions, or re-shopping. |
Compare alternatives, too:
• If your goal is the best bundle savings, start here: Best Home & Auto Bundle Companies
• If you want the agent experience, ask for quotes from a few agent-sold carriers available in your state.
• If you want a digital-first experience, include a couple of direct-to-consumer insurers in your comparison.
Pros And Cons
| Pros | Cons |
|---|---|
| Strong agent channel (helpful for coverage questions, renewals, and claims support). | Not a “quick online checkout” experience for most shoppers. |
| AM Best “A (Excellent)” financial strength rating published by the company. | Availability and offerings vary by state and by the underwriting company on your policy. |
| Broad personal + commercial lineup (useful if you want one carrier for multiple needs). | Discounts and credits can be state-specific and often require agent confirmation. |
Quick tip: When comparing Utica National to other insurers, ask your agent to quote the same liability limits, deductibles, and endorsements—small differences can make a “cheaper” policy far less protective.
Ratings, Complaints & Trust Signals
When an insurer is agent-sold (like Utica National), third-party ratings and regulator tools become especially useful. Here are the best “trust signals” to check quickly.
| Signal | What it tells you | Where to verify |
|---|---|---|
| AM Best rating | Financial strength / ability to pay claims over time. | Utica National’s rating statement: Financial Strength (AM Best rating news may also be published by AM Best). |
| NAIC complaint data | Complaint index is adjusted for company size and can vary by state and product line. | Use the NAIC Consumer Insurance Search (steps below): NAIC Consumer Tools |
| BBB profile | Shows complaint patterns and whether the business is accredited (not the same as regulator data). | BBB Profile |
| Industry recognition | Award lists can signal operational consistency (not a guarantee of your experience). | Example: Utica National newsroom item: Top-performing recognition |
| J.D. Power studies | Some insurers aren’t included in national studies; absence ≠ bad, just less public benchmarking. | J.D. Power publishes annual satisfaction studies; inclusion varies by study and market. |
How to check complaints the “right” way:
1) Find the exact underwriting company on your declarations page (and its NAIC number).
2) Search that company in the NAIC Consumer Insurance Search.
3) Open the company’s complaint trend/report options and review the complaint index for your state + product line.
Need help finding the NAIC number on your policy? See: What Is an NAIC Number? How Do You Find It?
Utica National Auto Insurance
Like most U.S. auto policies, Utica National auto coverage is built from a menu of “coverage parts.” What’s mandatory vs. optional depends on your state, your lender/lease requirements, and your risk tolerance.
| Coverage Part | What It Helps Pay For | Best For |
|---|---|---|
| Liability (Bodily Injury & Property Damage) | Injuries and damage you cause to others (and legal defense, up to your limits). | Meeting state requirements and protecting savings/income. |
| Uninsured/Underinsured Motorist | Injuries (and sometimes property damage) when the at-fault driver has no insurance or not enough. | Drivers in areas with higher uninsured rates. |
| Collision | Repairs to your vehicle after a crash (subject to your deductible). | Newer vehicles, financed/leased cars, or higher-value cars. |
| Comprehensive | Non-collision losses like theft, fire, weather, vandalism, falling objects, or animal impacts (subject to deductible). | Cars exposed to theft/weather risk or still worth protecting. |
| Medical Payments or PIP (Varies by State) | Medical bills for you/your passengers, regardless of fault (scope depends on state rules). | No-fault states and drivers who want stronger injury protection. |
| Rental Reimbursement (Optional) | Helps cover a rental car while your vehicle is repaired after a covered loss. | Anyone who relies on their car daily and can’t be without it. |
| Towing/Roadside (Optional) | Towing, jump starts, lockouts, flat tire help (terms vary). | Older vehicles or long commuters. |
Tip: When comparing quotes, make sure each carrier is quoting the same liability limits, uninsured/underinsured limits, and deductibles. Otherwise you’re not comparing apples to apples.
Notable Utica National Auto Features To Ask About
Utica National’s own auto materials encourage customers to ask an agent about specific features and packaged options, which may not be offered in every state. (Availability and eligibility are underwriting- and state-dependent.)
| Feature | Why It Matters | What To Confirm |
|---|---|---|
| Vanishing Deductible | May reduce your deductible over time (often tied to claim-free periods). | How it earns/declines, max reduction, and which coverages it applies to. |
| Diminished Deductible | Another deductible-reduction style option (rules vary). | Eligibility, triggers, and whether it stacks with other programs. |
| “Value Paks” (Packaged Endorsements) | Bundles multiple add-ons into one package for convenience (and sometimes savings). | Exactly which endorsements are included in your state and what they exclude. |
| Pet Injury Coverage (Up to $750 Per Pet) | Utica National notes some auto policies can help pay veterinary costs if your pet is injured in an auto accident. | Covered pets, required documentation, per-accident vs. per-pet rules, and exclusions. |
| Ride-Share Use | The company specifically flags ride-share scenarios as something to discuss with your agent. | Whether your policy needs a ride-share endorsement and what’s covered during app-on/app-off periods. |
You can see these items referenced on Utica National’s auto page: Utica National Auto Insurance.
What States Is Utica National Auto Insurance Available In?
Utica National operates through multiple member companies. The group publishes a licensing list by company, and it also notes that not all coverages or services are available in all states. In other words: a company may be licensed in a state, but personal auto availability (and new-business appetite) can still vary—your agent can confirm what’s currently being written where you live.
| Utica National Member Company | Licensed Where (Per Utica National) | Why This Matters |
|---|---|---|
| Utica Mutual Insurance Company (NAIC 25976) | All 50 states, the District of Columbia, and Puerto Rico | Shows broad licensing, but you still need to confirm personal auto availability for your ZIP code. |
| Utica National Assurance Company (NAIC 10687) | CT, GA, KS, MD, MA, NH, NJ, NY, NC, OH, PA, SC, TN, VA | This is one of the listed Utica entities that may appear on policies in many core markets. |
| Utica National Insurance Company of Ohio (NAIC 13998) | CT, GA, MA, NH, NJ, NY, OH, PA, TN | Another licensed entity that may be used depending on state/program. |
| Utica National Insurance Company of Texas (NAIC 43478) | CT, GA, MA, NH, NY, OH, PA, TX | Relevant for certain Texas programs and neighboring appointments. |
| Utica Lloyd’s of Texas (NAIC 10990) | Texas | Texas-specific licensing (Lloyd’s plan structure). |
For the current, official list by company/NAIC number, see: Utica National Licenses.
How Much Does Utica National Auto Insurance Cost?
Utica National does not publish “one price” online, and premiums vary heavily based on state, ZIP code, vehicle, driving history, prior insurance, and coverage choices. That said, third-party quoting studies can provide a directional benchmark.
| Pricing Benchmark (Third-Party Studies) | Minimum Coverage | Full Coverage | Important Notes |
|---|---|---|---|
| MoneyGeek (Published Dec 29, 2025) | $786/year (average) | $1,393/year (average) | Model-driver study; your quote can be much higher or lower depending on your profile and state. |
| Bankrate – New York Example (As of Nov 2025) | $96/month for state minimum (noted as cheapest carrier in NY) | Varies | State-specific benchmarking based on Quadrant data; not a guarantee for every driver. |
To get the most accurate price, have your agent quote (1) your current limits and deductibles, (2) the same coverages you already carry (including rental/towing), and (3) any endorsements you actually want—then compare the policy details side by side.
Other Coverage Options
Utica National offers a mix of personal and business insurance. The exact coverages, endorsements, and eligibility rules depend on your state, your property type, and which Utica National member company writes your policy.
Personal Insurance
| Coverage Type | What It Typically Helps With | Notes |
|---|---|---|
| Auto | Liability, collision/comprehensive, medical-related coverages where offered, and optional add-ons. | Discounts/credits can be significant, but vary by state. |
| Homeowners | Dwelling, personal property, liability, loss of use, plus optional endorsements. | Ask about water backup, equipment breakdown, and special limits for valuables. |
| Renters/Condo | Personal property and liability for renters/condo owners. | Great pairing with auto for multi-policy savings where available. |
| Umbrella | Extra liability limits above your auto/home policies; Utica National describes umbrella protection up to $2 million. | Requires certain underlying liability limits (agent can confirm). |
| Specialty | Items like identity theft services/coverage and recreational products (e.g., motorcycle, boat, snowmobile). | Availability varies; confirm endorsements and limits in writing. |
You can review Utica National’s personal product overview here: Personal Insurance.
Business Insurance
Utica National has a meaningful small commercial footprint, including Businessowners Policies (BOP), workers’ compensation, commercial auto, and umbrella coverage—plus specialty options that can matter for real-world claims scenarios (like cyber liability or employment practices liability), depending on the program.
Start here for their business lines overview: Business Insurance (and a more detailed small business page: Small Business).
Discounts And Ways To Save
Utica National lists a wide range of auto credits and discounts. Some are straightforward (like paying in full), while others depend on your vehicle features, mileage, household drivers, and state rules.
| Potential Savings | What It Means | What To Ask Your Agent |
|---|---|---|
| Pay-in-Full Discount (up to 10%) | Pay the full annual premium at once for a discount (where available). | Confirm if your state/policy qualifies and whether fees apply. |
| Safety Feature Credits (up to 30% on certain coverages) | Credits for airbags/motorized seat belts (Utica notes up to 30% on certain medical-related coverages). | Which coverages get the credit and how your vehicle is verified. |
| Company Car Credit (up to 25%) | If you have a company car for daily use, Utica may apply a credit to a single-vehicle policy (where offered). | Eligibility rules and required documentation. |
| Bundling / Multi-Vehicle / Mileage | Common savings for combining policies, insuring multiple vehicles, or driving fewer miles. | How Utica defines “annual mileage” and what proof is needed. |
See Utica National’s published auto discount list here: Auto Credits and Discounts.
Quick tip: If your premium jumps at renewal, ask your agent whether a change in mileage, household drivers, credit tier (where permitted), or vehicle symbol is driving the increase—then re-shop with identical coverages.
Claims And Customer Experience
Utica National supports claim reporting by phone and online. Like any carrier, the real “experience” can depend on the claim type (auto vs. property vs. liability), complexity, and verification requirements.
- Claims phone: 800-216-1420
- Claims portal: Claims Resource Center
- Claims process overview: What to Expect
Pro move for any insurer: take photos, prevent further damage when safe, keep receipts for emergency repairs, and document conversations (date/time, who you spoke with, and what was agreed). That paper trail helps reduce delays and misunderstandings.
Financial Strength And Stability
Utica National states that Utica Mutual Insurance Company and its affiliates/subsidiaries have an AM Best Financial Strength Rating of A (Excellent) and a stable outlook. Financial strength ratings matter because they reflect an insurer’s ability to pay claims over the long haul—even in catastrophe-heavy years.
You can review the company’s published rating statement here: Utica National Financial Strength. AM Best has also published rating news about Utica’s rating actions (example press release): AM Best Rating News (access may vary).
Where Utica National Is Available
“Utica National” is a group of insurers. Your policy is issued by a specific member company (or pool), and licensing varies by entity. Utica Mutual Insurance Company is listed as licensed in all 50 states, DC, and Puerto Rico, while certain affiliates have narrower footprints.
For the most accurate, current list by member company and NAIC number, use: Utica National Licenses.
Member companies, NAIC numbers, and licensing (why it matters)
“Utica National” is a group. Your experience (and availability) can depend on the specific member company listed on your policy. Below is a quick reference based on Utica National’s published licenses list: Utica National Licenses.
Utica Mutual Insurance Company (NAIC #25976)
Licensed in all 50 states, DC, and Puerto Rico (per Utica National’s licenses list).
Graphic Arts Mutual Insurance Company (NAIC #25984)
Licensed in: Alabama, Arkansas, California, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Maine, Maryland, Massachusetts, Mississippi, Nebraska, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Vermont, and Virginia.
Republic-Franklin Insurance Company (NAIC #12475)
Licensed in: Connecticut, Delaware, District of Columbia, Georgia, Illinois, Indiana, Kansas, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, and Wisconsin.
Utica National Assurance Company (NAIC #10687)
Licensed in: Connecticut, Georgia, Kansas, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, and Virginia.
Utica National Insurance Company of Ohio (NAIC #13998)
Licensed in: Connecticut, Georgia, Massachusetts, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, and Tennessee.
Utica Specialty Risk Insurance Company (NAIC #43451)
Licensed in: New York and Texas.
Utica National Insurance Company of Texas (NAIC #43478)
Licensed in: Connecticut, Georgia, Massachusetts, New Hampshire, New York, Ohio, Pennsylvania, and Texas.
Utica Lloyd’s of Texas
Licensed in: Texas.
Quick tip: When checking complaints or licensing, don’t search “Utica National” generically—search the exact underwriting company + NAIC number shown on your declarations page.
How To Get A Quote
Most shoppers will quote Utica National through an independent agent. That’s a feature, not a bug—agents can compare options, recommend endorsements, and help align deductibles and limits to your risk.
To find a representative near you: Utica National Find an Agent.
How To File A Claim
- Make sure everyone is safe and take steps to prevent additional damage if it’s safe to do so.
- Gather essentials: policy number, date/time, photos, and any police/fire report info.
- Report your claim by phone at 800-216-1420 or start online via the Claims Resource Center.
- Ask your adjuster what documentation is needed and when you should expect the next update.
How To Check Complaints, Licensing, And Trust Tell-Tales
If you’re deciding between insurers, it’s smart to check regulatory resources—not just star ratings on review sites.
- State insurance department: Great for complaint filing and licensing confirmation (rules vary by state).
- NAIC consumer resources: Start with the NAIC’s consumer tools and complaint guidance: NAIC Consumer.
- BBB profile (limited signal): BBB can show a company’s complaint response patterns; Utica National has a BBB business profile here: BBB Profile.
Important: Complaints and reviews can reflect billing issues, communication gaps, or claim disputes. One bad story isn’t the whole picture—and one great story doesn’t guarantee the next claim will be easy. The best approach is to compare carriers on coverages, exclusions, financial strength, and the quality of support you’ll get from your agent.
Our Expert Take
If you’re in a state where Utica National is actively writing the coverage you need, and you value an independent agent’s guidance, Utica National is often a solid contender—especially for homeowners and small business policies where endorsements and contract details matter. If you’re shopping purely on speed and app-driven self-service, a direct writer may feel simpler.
Disclaimer: This review is informational and not insurance advice. Coverage terms, discounts, and eligibility vary by state and underwriting company. Always confirm specifics with your agent and read the policy documents before binding coverage.
