Action Insurance Service, Inc.
7659 Auburn Rd, Utica, MI 48317
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Utica households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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7659 Auburn Rd, Utica, MI 48317
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8344 Hall Road, Suite 102, Utica, MI 48317
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7675 Auburn Rd, Utica, MI 48317
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Utica residents.
Compare auto, home, and flood insurance rates in Utica, NY. Learn about required coverage, local agents, and how to save on insurance in the Mohawk Valley.
Home InsuranceUtica home insurance costs $498-672/year. Learn about lake effect snow coverage, historic home protection, and how to save on premiums in Oneida County.
Car InsuranceUtica drivers save $1,600/year vs NY average. Learn about no-fault PIP requirements, 25/50/10 minimums, and how to get the best rates in Oneida County.
Utica drivers typically pay around $155 per month for auto insurance, which is below the national average. However, rates vary significantly by carrier—local companies like New York Central Mutual offer rates as low as $76 per month, while others charge $120 or more. Your actual rate depends on your driving record, age, vehicle, and coverage levels.
New York requires three types of coverage: liability insurance (minimum 25/50/10), personal injury protection of at least $50,000, and uninsured motorist coverage matching your liability limits. As a no-fault state, New York also mandates PIP coverage to pay for your medical expenses regardless of who caused the accident. You must carry proof of insurance whenever you drive.
While Utica isn't a coastal city, flood insurance is worth considering. Heavy snowfall, spring melts, poor drainage, and broken water mains can all cause flooding. About 25% of flood claims come from outside high-risk zones. A National Flood Insurance Program policy costs around $260 annually for $100,000 in coverage if you're in a low-to-moderate risk area—much cheaper than paying for flood damage out of pocket.
Homeowners insurance in Utica averages between $500 and $670 per year, or about $42 to $56 monthly. This is significantly lower than New York's state average of $1,550 to $1,740 because Utica's inland location reduces risks like hurricane damage. Your actual premium depends on your home's age, construction, coverage limits, and any discounts you qualify for.
Yes, bundling policies with the same insurer typically saves you money—often hundreds of dollars per year. Most major carriers offer multi-policy discounts ranging from 10% to 25% when you combine auto and homeowners insurance. Beyond the savings, bundling also simplifies your life by giving you one point of contact for claims and policy changes.
Local agents understand Central New York's specific risks, from winter weather to spring flooding. They have access to regional carriers that may offer better rates than national brands, and they provide personalized service when you need to file a claim or adjust coverage. Working with someone who lives in your community means getting advice tailored to life in the Mohawk Valley, not generic recommendations from a call center.
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