Utah’s miles of mountains make it the perfect home for skiers, hikers, and mountain bikers, but its climate also puts it at risk for dangerous storms and wildfires. Residents in high-risk areas of Utah will want a quality home insurance policy to protect against the various elements.
The average cost of homeowners insurance in Utah is just $894 per year or $75 a month. This is around 49% lower than the national average of $1,754 per year.
Compare the best homeowners insurance companies in Utah
Policygenius found the best homeowners insurance companies in Utah by analyzing quotes across every ZIP code in the state. We also looked at J.D. Power customer satisfaction scores and compared that with the coverage needs of Utah residents to find the best homeowners insurance in the state.
Company | Best for.. | Average monthly cost | Policygenius rating |
|---|---|---|---|
Customer satisfaction | $83 | 5.0 out of 5 | |
Overall | $91 | 4.8 out of 5 | |
Coverage add-ons | $68 | 4.5 out of 5 | |
Low rates | $52 | 4.5 out of 5 | |
Short term rental owners | $121 | 4.4 out of 5 |
2024 Policygenius award winner
Auto-Owners Insurance
5.0
Bundle home & auto
Offers extended replacement cost
Offers flood insurance
Why we chose it
Auto-Owners Insurance is the highest rated homeowners insurance company in our analysis thanks to its mix of extensive policy and coverage options, high marks for financial strength and customer experience ratings, and affordable premiums.
Pros and cons
Pros
Affordable rates
Several additional coverage options
Up to 12 available discounts
Cons
Only available in 26 states
Not able to get quotes or file claims online
More details
Why Auto-Owners Insurance is one of our top picks
Auto-Owners Insurance is our pick for best customer service, scoring at least a 4 out of 5 for price, customer experience, coverage options, and financial strength, which earned it a perfect 5 out of 5 Policygenius rating.
With up to 23 policy endorsements — such as guaranteed replacement cost, inland flood coverage, and a comprehensive Homeowners Plus endorsement package — Auto-Owners offers excellent value for the coverage you're getting that surpasses competitors.
And if you find your quoted premiums are higher than you'd prefer, you can take advantage of up to 12 Auto-Owners discounts to get your rates back down. To put that into context, the average number of discounts the companies we reviewed offer is only 7.
How much does Auto-Owners home insurance cost in Utah?
Auto-Owners homeowners insurance costs $999 per year in Utah.
In comparison, the average cost of a home insurance policy in Utah is $894 per year, according to sample quotes provided to us by Quadrant Information Services. This makes Auto-Owners Insurance slightly more expensive than average.
How to get a quote
To get a homeowners insurance quote, you'll have to call a local Auto-Owners Insurance agent.
2024 Policygenius award winner
State Farm
4.8
Bundle home & auto
Offers extended replacement cost
All 50 states
Why we chose it
State Farm home insurance scores a near-perfect 4.8 out of 5 thanks to its slew of coverage add-ons, high marks on J.D. Power’s customer satisfaction surveys, and strong financial stability ratings.
Pros and cons
Pros
Save up to $1,127 per year when you bundle your home and auto insurance
Excellent line-up of policy add-ons, including extended replacement cost coverage
Cons
No longer sells home insurance policies in California
20% more complaints filed with the NAIC than other companies of its size
More details
Why State Farm is one of our top picks
At a time when lots of competitors are no longer insuring homes in areas prone to wildfires or hurricanes, State Farm continues to offer its relatively affordable and highly rated home insurance to homeowners in every corner of the country.
And it doesn't skimp on coverage, offering flood, wildfire, and earthquake protection — one of few competitors that offers all three insurance policies to homeowners in high-risk states nationwide.
Plus, while many competitors don't have the financial strength to pay out claims after several natural disasters in the same year, State Farm isn't one of them. It earns the highest rating possible from A.M. Best for financial strength and stability — only six insurance companies out of nearly 70 we reviewed hold this title.
How much does State Farm home insurance cost compared to the Utah average?
A State Farm home insurance policy in Utah costs an average of $1,092 per year.
In comparison, the average cost of home insurance in Utah is $894 per year, according to sample quotes provided to Policygenius from Quadrant Information Services. This is significantly less than the national average of $1,754 per year.
How to get a quote
Online through State Farm or by contacting your local State Farm agent.
2024 Policygenius award winner
Farmers
4.5
Offers extended replacement cost
Bundle home & auto
Smart home discounts
Why we chose it
Along with saving around 20% when you bundle your home and car insurance, Farmers also gives you access to its extensive suite of discounts, unique policy credits, and claim-free incentives that help put money back in your pocket.
Pros and cons
Pros
Above-average property claims satisfaction rating with J.D. Power
Extended and guaranteed replacement cost for your home
Shave $50 off your deductible each year you’re with Farmers
Cons
Below-average scores on J.D. Power’s digital experience survey
More details
Why Farmers is one of our top picks
Farmers home insurance stands out against competitors thanks to the slew of discount opportunities and policy perks available.
It offers 17 home insurance discounts — its competitors average just seven — and policy perks that aren't easy to come by, including:
Declining deductibles: Earn $50 toward your home deductible each year you have a home insurance policy with Farmers.
Claim forgiveness: Once you’ve gone five years without filing a claim, Farmers won’t raise your rate after that if you end up filing one.
Even more, depending on your state of residence, you can save up to 45% on your auto insurance and up to 34% on your home insurance when you bundle policies, according to farmers.
How much does Farmers home insurance cost in Utah?
The average Utah home insurance policy through Farmers is $811 per year.
In comparison, the average cost of home insurance in Utah is $894 per year, according to sample quotes provided to Policygenius from Quadrant Information Services. This is much less than the national average of $1,754 per year.
How to get a quote
Online through Farmers
2024 Policygenius award winner
American Family
4.5
Offers extended replacement cost
Offers flood insurance
Bundle home & auto
Why we chose it
American Family home insurance has industry-best coverage options, high customer service ratings, and several discounts to compliment its already affordable rates, making it a great option in the 19 states where it’s available.
Pros and cons
Pros
Affordable rates and 11 available discounts
Ranked #2 in J.D. Power’s 2022 U.S. Home Insurance Study
Diminishing deductible feature to lower out-of-pocket claim costs
Cons
Only available in 19 states
Offers online quotes, but requires talking to an agent to complete the process
More details
Why American Family is one of our top picks
When it comes to both the breadth and quality of home insurance policy options, there are few companies in the same league as American Family.
Choose from three comprehensive policy tiers with various levels of protection, or customize a policy to your liking with up to 15 additional coverage options, including inland flood, equipment breakdown, and service line coverage.
We especially like its rare diminishing deductible feature that takes $100 off your policy deductible each year you go without filing a claim — a perk few competitors offer.
While it only writes homeowners insurance in 19 states, American Family is the seventh largest home insurer in the United States — which indicates it’s a popular option in the places it operates.
How much does American Family home insurance cost?
The average American Family home insurance policy in Utah is $620 per year, significantly less than the state average.
In comparison, the average cost of home insurance in Utah is $894 per year, according to sample quotes provided to Policygenius from Quadrant Information Services.
How to get a quote
Online with American Family agent
2024 Policygenius award winner
Allstate
4.4
Bundle home & auto
Smart home discounts
All 50 states
Why we chose it
Whether you’re looking for bare-bones coverage on the cheap or a more comprehensive policy package with additional coverages and features like short-term rental coverage and deductible rewards, you’ll likely be able to find it with Allstate.
Pros and cons
Pros
High-quality and flexible policy options
Numerous discounts and features that help you save
Below-average customer complaints
Cons
No longer sells home insurance policies in California
Below-average digital experience rating with J.D. Power
More details
Why Allstate is one of our top picks
If you rent out your property through a short-term rental service like Airbnb and a guest destroys or steals your property, Allstate’s HostAdvantage will pay up to $10,000 per rental host period to replace or repair your property.
And the best part? This coverage can be added directly onto your home insurance policy for a small additional fee. To put this into context, only about one-third of the nearly 70 home insurance companies we reviewed even offer home-sharing coverage at all.
How much does Allstate home insurance cost compared to the Utah average?
The average cost of an Allstate home insurance policy in Utah is $1,456 per year.
In comparison, the average cost of home insurance in Utah is $894 per year, according to sample quotes provided to Policygenius from Quadrant Information Services.
How to get a quote
Online through Policygenius or Allstate, or by contacting a local Allstate agent.
Methodology & why you can trust our rates
Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:
Dwelling: $300,000
Other structures: $30,000
Personal property: $150,000
Loss of use: $60,000
Liability: $300,000
Medical: $1,000
All rates based on the above coverage limits except where otherwise noted.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
How much is homeowners insurance in Utah?
The average cost of homeowners insurance in Utah is $894 per year, or $75 a month, for an insurance policy with $300,000 in dwelling coverage. This means insurance in Utah is much less expensive than the national average cost of $1,754 per year.
Utah homeowners insurance rates by city
Home insurance rates can vary substantially depending on which city you live in, as homes in certain Utah neighborhoods may be more prone to extreme weather damage or property crime than others.
Here’s a look at the average cost of home insurance in the 20 largest cities in Utah.
City | Average monthly cost | Average annual cost | Difference from state average (%) |
|---|---|---|---|
Salt Lake City | $75 | $899 | 1% |
West Valley City | $73 | $880 | -2% |
West Jordan | $71 | $849 | -5% |
Provo | $74 | $889 | -1% |
St. George | $70 | $843 | -6% |
Orem | $74 | $882 | -1% |
Sandy | $73 | $875 | -2% |
Ogden | $75 | $900 | 1% |
Lehi | $72 | $861 | -4% |
South Jordan | $71 | $849 | -5% |
Layton | $74 | $882 | -1% |
Millcreek | $74 | $885 | -1% |
Herriman | $71 | $851 | -5% |
Taylorsville | $71 | $855 | -4% |
Logan | $73 | $870 | -3% |
Eagle Mountain | $73 | $874 | -2% |
Draper | $74 | $886 | -1% |
Murray | $72 | $861 | -4% |
Saratoga Springs | $71 | $850 | -5% |
Riverton | $71 | $855 | -4% |
Utah homeowners insurance rates by coverage amount
The table below highlights the average annual premium in Utah for five different levels of dwelling coverage, which is the part of your policy that covers structural damage to your home.
Generally speaking, more dwelling coverage means higher homeowners insurance rates, as shown in the table below.
Dwelling coverage limit | Average annual cost |
|---|---|
$100,000 | $488 |
$200,000 | $696 |
$300,000 | $894 |
$400,000 | $1,109 |
$500,000 | $1,349 |
Cheapest homeowners insurance companies in Utah
Looking at average home insurance costs for the 15 most popular insurers in Utah, we found that the cheapest homeowners insurance companies in Utah are American Family, Sentry, and Mutual of Enumclaw Insurance.
Company | Average annual cost |
|---|---|
$620 | |
Sentry | $658 |
Mutual of Enumclaw Insurance | $709 |
$711 | |
$811 | |
$829 | |
$919 | |
$975 | |
$999 | |
$1,015 | |
$1,074 | |
$1,092 | |
$1,197 | |
$1,456 |
Cheapest Utah homeowners insurance if you have poor credit
If you have a poor credit score, your homeowners insurance rates will be higher. Insurance companies charge higher premiums to homeowners with lower credit scores because they believe these policyholders are more likely to make future claims.
Company | Average annual cost |
|---|---|
Kemper | $1,037 |
American Family | $1,073 |
Mutual of Enumclaw Insurance | $1,115 |
Nationwide | $1,146 |
Sentry | $1,352 |
Acuity | $1,372 |
Farm Bureau Insurance | $1,586 |
Farmers | $1,622 |
Foremost | $1,640 |
USAA | $1,722 |
State Farm | $1,855 |
State Auto | $1,937 |
Allstate | $2,141 |
Auto-Owners Insurance | $9,658 |
Cheapest Utah homeowners insurance if you have an older home
Older and historic homes are usually more expensive to insure than newer homes. Insurers consider them a higher risk because they can be fragile, their construction materials may be obsolete, and certain structural components like the roof or plumbing may not be in good shape or up to current-day code.
Here are the cheapest home insurance options in Utah for a 50-year-old home.
Company | Average annual cost |
|---|---|
American Family | $619 |
Sentry | $674 |
Mutual of Enumclaw Insurance | $732 |
Nationwide | $769 |
Farmers | $794 |
Acuity | $891 |
Auto-Owners Insurance | $970 |
Kemper | $988 |
Farm Bureau Insurance | $998 |
Foremost | $1,045 |
State Auto | $1,064 |
State Farm | $1,091 |
USAA | $1,239 |
Allstate | $1,489 |
Cheapest Utah homeowners insurance if you have a history of claims
One of the biggest factors that plays a role in your home insurance premium is your claims history. You'll typically pay more for home insurance if you have multiple claims on your record, since insurers perceive you as posing a greater risk of filing more claims later on.
Here are the cheapest home insurance companies in Utah for a homeowner with three claims within a five-year period.
Company | Average annual cost |
|---|---|
Mutual of Enumclaw Insurance | $992 |
Auto-Owners Insurance | $999 |
Farmers | $1,080 |
Sentry | $1,091 |
State Farm | $1,244 |
American Family | $1,248 |
Nationwide | $1,509 |
Acuity | $1,573 |
Farm Bureau Insurance | $1,674 |
USAA | $1,751 |
State Auto | $2,180 |
Kemper | $2,473 |
Allstate | $2,524 |
Foremost | $3,101 |
How to buy home owners insurance in Utah
Buying homeowners insurance means considering how much coverage you want and what price fits your budget. Knowing what you need can make choosing a policy easier. Here are some tips to help you shop around:
Frequently asked questions
How can I lower the cost of homeowners insurance?
Most insurance companies offer discounts to bring down the cost of your home insurance. From bundling multiple policies to going a year without filing a claim, there are many ways you can save money on your policy.
Will my home insurance cost more if I have a pool on my property?
Since having a pool increases the risk of injuries on your property, it’s likely you will have to pay more for home insurance if you have one. Not all insurers weigh this factor as heavily as others, though, so shop around to see if you can get a lower quote.
What is personal property insurance?
Personal property insurance covers your belongings inside your home, like furniture, clothing, toys, and electronics. If these items are destroyed in a covered event, your insurer can pay to replace them.
Why should I use a Policygenius agent when shopping for home insurance?
The experts at Policygenius can help answer questions, determine how much coverage is right for you, and explain what factors could be affecting your insurance rate. They can also help you apply for insurance and direct you to paying your first premium.
