We offer numerous payment plans for your convenience. To set up automated billing, please log into our Customer Care Center.
Down Payments
- If the 1st installment is not collected at the time the policy is written, we will bill you for the 1st installment 20 days prior to the due date chosen by the insured. If the policy was written within 20 days of the due date, then the 1st installment amount will be included with the 2nd installment amount.
- Credit/Debit Cards: Accepted on all Personal Lines and Commercial Lines policies. Credit/Debit card payments will be accepted up to $500,000 on Commercial Lines policies.
- Checking/Savings accounts: Accepted on all Personal Lines and Commercial Lines policies. Checking/Savings account payment method may be used for payments up to $500,000.
Direct Bill Payment Plans
Pay-in-Full
Pay your entire premium when you purchase your policy or when you renew.
Semi-Annual Pay Plan
1st installment = 50%
2nd installment = 50% due 6 months later
Quarterly Pay Plan
1st installment = 25%
2nd, 3rd and 4th installments = 25% due every quarter
10 Equal Pay Plan
1st installment = 10%
2nd – 10th installments = 9 remaining installments (each 1/10 of the premium) due monthly
10 Pay Plan
1st installment = 20%
2nd – 10th installments = 9 remaining installments (each 1/9 of the premium) due monthly
Exception E&O: 1st installment = 25%, 2nd-10th remaining installments (each 1/9 of the premium) due monthly
12 Pay Plan
1st installment = 8.34% (1/12 of the premium)
2nd – 12th installments = 11 remaining installments (each 1/12 of the premium) due monthly
Installments are rounded to the nearest dollar. An installment fee applies to each invoice, other than the 1st installment. Installment fees do not apply to policies on Recurring EFT (checking/savings). Multiple notices of cancellation for non-payment will result in a change of pay plan to a pay in full pay plan.
Agency Bill Payment Plans
Full Pay
Pay your entire premium when you purchase your policy or when you renew.
Quarterly
1st installment = 25%
2nd installment = 25%
3rd installment = 25%
4th installment = 25%
10 Pay
20% down + 9 equal monthly installments
12 Pay
12 equal monthly payments
Payment Options to Fit Your Lifestyle
Recurring Electronic Funds Transfer (EFT)
Payments are automatically withdrawn from your checking or savings account on the due date, based on the payment plan you selected. No installment fee applies.
Recurring Debit/Credit Card
Payments are automatically collected from your debit/credit card on the due date, based on the payment plan you selected. We honor Visa, MasterCard, American Express, and Discover cards. Installment fees may apply.
- Personal Lines policies: Available on all policies
- Commercial Lines policies: Available on all policies. Recurring debit/credit card installment payment must be below the $10,000 limit.
Online Payment
We offer several options to pay online:
- Customer Care Center – Registered users can make a payment from our Customer Care Center. The bank account information is stored for ease of use.
- Xpress PAY – Make a one-time payment from our website. The bank account information is not stored.
- For agency bill policies – online payments can be made using the Agent Portal on @your.service.
Mail a Payment
For Direct Bill payment:
Mail payments via US mail to:
Utica National Insurance Group
PO Box 6532
Utica, NY 13504-6532
(Please be sure to include your billing account or policy number.)
For Agency Bill payment:
Mail payments via US mail to:
Utica National Insurance Group
PO Box 6533
Utica, NY 13504-6533
Pay Through Your Agent
Visit your agent’s office to pay your premium.
Pay by Phone
- Contact our Customer Service department at 1-800-59UTICA (800-598-8422) to make a payment over the phone. A $10 phone fee may apply.
- You can also make a payment using our Interactive Voice Response (IVR) phone system. Simply call our customer service number (1-800-59UTICA) and follow the prompts.
- Text 2 Pay – must register through Customer Care only for this feature.
