Accident & Health Insurance Agencies in Utica, MI

Utica at a glance

• 3accident & health insurance agencies listed
• 40.9%of households rentRenters insurance
• $231,100median home valueHome insurance
• 1976median year homes were builtRebuild cost calculator
• 12%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Macomb County

FEMA rates the overall natural hazard risk in Macomb County, where most Utica agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

• TornadoVery High

  Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

  Home insurance in Utica
• Strong windVery High

  Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

  Home insurance in Utica
• Ice stormVery High
• Inland floodingRelatively High

  Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

  Flood insurance
• LightningRelatively High

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in Utica

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Michigan

Michigan requires drivers to carry at least $50,000 of bodily injury liability per person, $100,000 per accident and $10,000 of property damage liability, often written 50/100/10. It also requires personal injury protection and property protection insurance ($1,000,000). Michigan is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in UticaHow much liability cover do you need?

Source: michigan.gov, limits in force since 2020-07-01. Checked 2026-10-24.

Where Utica agencies are

Utica agencies we list sit in 2 ZIP codes, mostly in Macomb County.

• 483162 agencies
• 483151 agency