Utica has 5,180 residents in 2,489 households. We list 31 insurance agencies in Utica. Here is what the local numbers say about the cover people here need.

Utica at a glance

31insurance 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.

Insurance companies Utica agencies work with

Of the 11 Utica agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Corebridge (AIG Life)4 agencies
Nationwide3 agencies
Safeco3 agencies
Travelers3 agencies
American Life & Security2 agencies
Fidelity & Guaranty Life Insurance Company2 agencies
Nationwide (Allied)2 agencies
Nationwide (Colonial)2 agencies
Progressive2 agencies
The Hartford2 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

What Utica agencies can write

Share of the 31 agencies listed in Utica that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Utica agencies are

Utica agencies we list sit in 3 ZIP codes, mostly in Macomb County.

4831613 agencies
4831713 agencies
483155 agencies

Questions

Insurance agencies in Utica

How do I find an insurance agency in Utica?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What insurance can I get from agencies in Utica?

Most often life, home, auto, umbrella, boat. Pick a type in the filters to narrow the list.

Which insurance companies do Utica agencies work with?

Among the 11 Utica agencies whose appointments we hold, the companies they are most often appointed with are Corebridge (AIG Life) (4), Nationwide (3), Safeco (3), Travelers (3), American Life & Security (2). An appointed agency can quote that company's policies.

Do I need flood insurance in Utica?

FEMA's National Risk Index rates inland flooding risk in Macomb County as Relatively High compared with other U.S. counties. 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.

Do I need renters insurance in Utica?

40.9% of households in Utica rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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