Average cost of condo insurance in Utica
The average cost of condo insurance (HO-6) in Utica is $508 per year, or $42 per month for $40,000 in personal property coverage and $100,000 in liability protection with a $1,000 deductible.
However, the cost of condo insurance can vary depending on where you live in the city, the insurance company, and the coverage limits you choose. The highest average rate in Utica is $1,016, which is $788 more than the lowest average rate of $228.
| Average annual cost | $508 |
| Average per month cost | $42 |
| Highest average rate | $1,016 |
| Lowest average rate | $228 |
Cheapest condo insurance in Utica
The most affordable condo insurance company in Utica is State Farm, with an average yearly cost of $228. The second most affordable option is NYCM Insurance, with an average annual rate of $276.
These rates are only averages, so it's a good idea to compare quotes from different companies to find the best option for your needs.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $228 | $19 |
| NYCM Insurance | $276 | $23 |
| American Family | $294 | $25 |
| Travelers | $359 | $30 |
| Allstate | $440 | $37 |
| Chubb Ltd | $468 | $39 |
| Heritage Insurance Holdings | $589 | $49 |
| Nationwide | $632 | $53 |
| Farmers | $720 | $60 |
| AIG | $1,016 | $85 |
Condo insurance cost in Utica compared with the state average
Condo insurance costs an average of $508 per year in Utica. That's $36 less expensive than the state average of $544.
| City average cost | $508 |
| State average cost | $544 |
Condo insurance cost in Utica by coverage level
Many factors affect the cost of your HO-6 insurance. One is the area you live in, and another important factor is how much personal property coverage you choose. Generally, the higher your coverage limit, the more expensive your condo insurance will be.
For instance, the average annual rate for personal property coverage of $40,000 is $508 or $42 per month.
Condo insurance rates in Utica with $100,000 liability
The following table shows the cost of condo insurance for four coverage levels with a liability limit of $100,000 and $1,000 deductible.
| Coverage | Average annual rate | Average per month rate |
|---|---|---|
| $40,000 | $508 | $42 |
| $60,000 | $587 | $49 |
| $80,000 | $659 | $55 |
| $100,000 | $737 | $61 |
Condo insurance cost in Utica with $300,000 liability
The following table shows the cost of condo insurance for four coverage levels with a liability limit of $300,000 and $1,000 deductible.
| Coverage | Average annual rate | Average per month rate |
|---|---|---|
| $40,000 | $534 | $44 |
| $60,000 | $613 | $51 |
| $80,000 | $685 | $57 |
| $100,000 | $763 | $64 |
Methodology
Insurance.com compared condo insurance rates provided by Quadrant Information Services from 2023 for around 29,000 cities in all states and Washington D.C for multiple coverage levels. The content has been updated for 2025.
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