Average homeowners insurance cost in Utah

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Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.

On average, Utah homeowners insurance costs $1,792 a year, based on Insure.com’s data.

Learn more about the average homeowners insurance rates by company and ZIP code in Utah.

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

In Utah, the annual homeowners insurance cost is $1,792, on average for the limits of $100,000 in liability, $300,000 in dwelling coverage and a $1000 deductible.

Increasing your dwelling coverage from $300,000 to $400,000 will raise your annual homeowners insurance premium to $2,149 in Utah, with $100,000 in liability protection and a $1,000 deductible. Below are the average costs for homeowners insurance in Utah based on 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

In Utah, homeowners insurance companies set rates by assessing various risk factors. Your location, claims history, credit history and coverage limit all affect your premium.

If multiple claims have been filed in your neighborhood over the past few years, you’ll likely face higher home insurance rates than areas with fewer 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 provides the most affordable homeowners insurance in Utah, with an average annual premium of $1,078. American Family and Nationwide also offer cheap home insurance rates.

Shopping around for homeowners insurance can help you save hundreds of dollars annually.

Here are the average annual and monthly insurance rates for homeowners in Utah with a policy that provides $300,000 in dwelling coverage, $100,000 in liability protection, and 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 providers in Utah factor in the risk of a given location when determining rates. ZIP codes with higher crime rates or frequent natural disasters are typically classified as high-risk, leading to increased premiums. Additionally, the cost of rebuilding or repairing homes in that area can affect your homeowners insurance costs.

To get the best deal on homeowners insurance rates in Utah, take the time to shop around and compare quotes from multiple insurers. Additionally, don’t forget to ask about potential discounts, like bundling policies or a smart home discount.

Most affordable ZIP codes for home insurance rates in Utah

Home insurance costs vary across different areas in Utah. What you pay for homeowners insurance depends on several factors, including your ZIP code. According to our data, the 84015 ZIP code has the lowest home insurance rates in Utah, at $1,498 annually or $125 per month.

Here are the homeowners insurance rates for some of 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

Your ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In Utah, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.

84080 has the most expensive homeowners insurance rates in Utah at an average annual cost of $2,133.

Below, we’ve highlighted some of the most expensive ZIP codes in Utah for home 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 below data shows how much homeowners insurance rates have changed since 2019.

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

To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get 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.