Average homeowners insurance cost in Utah

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Whether you’re a new homeowner or looking to buy insurance for your current home, securing the right homeowners’ insurance is crucial. Rates may vary depending on your insurance company and the coverage limits you choose.

According to Insure.com’s data analysis, the average cost of homeowners insurance in Utah is $1,792 a year.

Continue reading to learn more about homeowners insurance rates in Utah by ZIP code and insurer.

Key Takeaways

Homeowners insurance costs an average of $1,792 a year, based on Insure.com analysis.
Of all the ZIP codes in Utah, 84015 has the most affordable home insurance rates at around $1,498 annually.
In Utah, State Farm provides the most affordable home insurance at an average annual premium of $1,078.

Average home insurance cost in Utah by coverage level

Homeowners insurance costs $1,792 a year in Utah for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.

If you raise the dwelling coverage limit from $300,000 to $400,000, the cost of homeowners insurance in Utah will increase to $2,149 per year for $100,000 in liability protection and a $1,000 deductible. Below, you’ll find the average cost of homeowners insurance in Utah for dwelling coverage limits of $300,000, $400,000, and $500,000.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$1,407	$117
$200,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$1,416	$118
$300,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$1,792	$149
$300,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$1,802	$150
$400,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$2,149	$179
$400,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$2,161	$180
$600,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$2,862	$238
$600,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$2,876	$240
$1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$4,186	$349
$1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$4,204	$350

Homeowners insurance companies in Utah determine rates based on risk factors. When calculating premiums, they consider your location, claims history, credit history and coverage limits.

If your neighborhood has experienced many claims in the last few years, you can expect to pay higher home insurance rates than areas with few to no claims. Your credit score can also play a role in determining your home insurance costs.

According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.

Best homeowners insurance companies in Utah

It’s always a good idea to shop around and compare prices before purchasing homeowners insurance. Several factors come into play when choosing the best homeowners insurance company.

We evaluated homeowners insurance providers in Utah by comparing their NAIC scores and AM Best ratings and compiled a list of the top insurers in the state. Based on Insure.com’s analysis, Auto-Owners received the lowest NAIC score and an AM Best rating of A++. A lower NAIC score signifies fewer complaints relative to the company’s size, indicating greater customer satisfaction.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
Auto-Owners	$1,747	A++	0.33	5
American Family	$1,249	A	0.37	4.64
Farmers	$1,508	A	0.54	4.06
State Farm	$1,078	A++	0.95	3.78
Nationwide	$1,254	A+	0.87	3.7

Average homeowners insurance cost by company in Utah

State Farm offers the most affordable homeowners insurance in Utah, at an average annual premium of $1,078, followed by American Family and Nationwide.

You can save hundreds — if not thousands — of dollars each year if you shop around for homeowners insurance.

Here are the average annual and monthly insurance rates for Utah homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1,000 deductible.

Company	Average annual rate	Average monthly rate
State Farm	$1,078	$90
American Family	$1,249	$104
Nationwide	$1,254	$104
Farmers	$1,508	$126
Auto-Owners	$1,747	$146
USAA*	$2,464	$205

*USAA is only available to military community members and their families.

Utah homeowners insurance rates by ZIP code

Insurance companies in Utah assess the risk associated with a specific location. ZIP codes prone to higher crime rates or frequent natural disasters are often classified as high-risk areas, which can lead to increased insurance premiums. The cost of rebuilding or repairing homes in a specific ZIP code can also impact how much you pay for a homeowners insurance policy.

Make sure you shop around and compare quotes from various insurance companies to get the best deal on homeowners insurance rates in Utah. Don’t forget to ask about any available discounts, such as bundling policies or a smart home discount.

Most affordable ZIP codes for home insurance rates in Utah

Homeowners insurance costs in Utah can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 84015 area has the most affordable insurance rates, at $1,498 annually or $125 monthly.

Below are the homeowners insurance rates for the most affordable ZIP codes in Utah.

ZIP code	Average annual rate	Average monthly rate
84015	$1,498	$125
84041	$1,505	$125
84742	$1,523	$127
84741	$1,559	$130
84075	$1,568	$131
84532	$1,570	$131
84054	$1,595	$133
84780	$1,597	$133
84010	$1,598	$133
84087	$1,599	$133

Most expensive ZIP codes for home insurance rates in Utah

In Utah, certain areas experience higher premiums because of higher crime rates, increased risk of natural disasters and the cost of living.

Homeowners in 84080 ZIP pay the highest insurance rates in Utah, with an average annual premium of $2,133.

Below is a list of some of the most expensive ZIP codes in Utah for homeowners insurance.

ZIP code	Average annual rate	Average monthly rate
84080	$2,133	$178
84401	$2,076	$173
84309	$2,008	$167
84340	$2,004	$167
84329	$1,995	$166
84022	$1,993	$166
84304	$1,990	$166
84307	$1,982	$165
84310	$1,980	$165
84302	$1,973	$164

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Utah by city

See rates in your city

Santa Clara

South Jordan

West Jordan

Home insurance rate trend in Utah

We analyzed home insurance rate trends in Utah and found that homeowners insurance rates experienced an overall increase of 27% or $381, from 2022 to 2023.

The data below shows how much homeowners insurance rates have changed since 2019.

2019 rates	2022 rates	2023 rates
$1,107	$1,411	$1,792

To choose the right homeowners insurance, it’s important to conduct thorough research and compare rates from various insurers, as each evaluates risk differently. Comparing quotes from at least three companies can help you secure the most affordable coverage in Utah.

Resources & methodology

Source

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.

Methodology

Insure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.

The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:

$300,000 dwelling coverage
$100,000 liability protection
$1000 deductible

We have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.