Utsugi was born in Kawasaki on December 5, 1988. She began her professional career at Nippon TV Beleza in 2004. During her time at the club, she won four Nadeshiko League titles and five Empress's Cups. In August 2010, after six years at Beleza, Utsugi departed her home country to sign for French club Montpellier. In June 2016, she moved to NWSL club Seattle Reign FC (later "Reign FC"). She played for the club until 2019.