Average homeowners insurance cost in Utah

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Homeowners in Utah pay an average of $1,792 per year for a standard home insurance policy.

The coverage limit you choose for your dwelling has a major impact on your premium. More protection generally means a higher cost. Higher coverage means higher premiums. State Farm offers some of the lowest rates in the state, making it a good starting point when comparing your options.

Don’t settle for the first quote – reach out to several insurers and dig into available discounts. Since rates hinge on details like your location, the age and construction of your home, your roof’s condition, and your claims history, the prices you’re offered can swing a lot. Getting address-specific quotes from a handful of companies puts you in the best position to land a great rate.

Key Takeaways

Our data puts the average homeowners insurance cost in Utah at $1,792 per year.
Of all ZIP codes analyzed in Utah, 84015 has the lowest average home insurance rates at around $1,498 annually.
On the insurer side, State Farm offers the most affordable average premiums in Utah, coming in at $1,078 per year.

What is the average cost of homeowners insurance in Utah?

Homeowners in Utah pay an average of $1,792 per year for a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Utah? Cost by coverage level

Homeowners insurance in Utah costs $1,792 per year on average, based on a policy with $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $2,149 per year for homeowners insurance in Utah for $100,000 in liability protection and a $1,000 deductible.

Below, you can find the average cost of homeowners insurance in Utah for dwelling coverage 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

Average home insurance cost in Utah by insurer

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 by shopping around.

Below 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.

How to lower your home insurance rate

Shop around. Don’t settle for the first quote. Compare rates from at least three to four insurers to find the best deal in Utah.
Bundle your policies. Adding home and auto (or renters and auto) to the same provider often unlocks significant multi-policy discounts.
Ask about smart home discounts. Installing security systems, smoke detectors, or water leak sensors can reduce your premium.
Check for other savings. Ask about loyalty discounts, claims-free rewards, or upgrades like fire-resistant roofing.

How does your ZIP code affect home insurance rates in Utah?

Your ZIP code is one of the biggest factors in your home insurance rate, because it tells the insurer how much risk comes with your location. Areas with higher crime rates, frequent natural disasters, or high rebuilding costs are treated as higher-risk-and that pushes premiums up.

Below are the most affordable and most expensive ZIP codes for home insurance in Utah

Most affordable ZIP codes for home insurance rates in Utah

The most affordable rates are in 84015, where homeowners pay $1,498 per year on average.

Not every area in Utah has the same home insurance cost. How much you pay for homeowners insurance in Utah depends on many factors, including your ZIP code.

Below you can find 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 in Utah

84080 carries the highest average home insurance rates in Utah, at $2,133 per year.

ZIP codes with higher premiums typically reflect a combination of elevated crime, greater natural disaster exposure, and higher local costs of living and construction.

Below are average rates for some of the most expensive ZIP codes in Utah.

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

What are the best homeowners insurance companies in Utah?

Based on our data, Auto-Owners stands out as a top choice in Utah. It earns an AM Best rating of A++ and one of the lowest NAIC complaint scores in the state-a combination that points to both financial stability and customer satisfaction.

To identify the most reliable insurers, we weighed two key metrics:

AM Best Rating, which evaluates a company’s financial strength and its ability to pay out claims.
NAIC Complaint Score, which reflects how many complaints a company receives relative to its size, so a lower score signals fewer problems.

Together, these metrics help you determine an insurer’s financial stability and customer satisfaction. The table below breaks down the best companies in Utah by average annual premium, financial rating, and complaint history.

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

How to understand insurer ratings and complaint data

A good insurer answers two questions well: Can it pay your claim, and does it keep its customers happy? Independent rating agencies measure both, giving you an evidence-based way to compare your options.

The two ratings referenced here:

AM Best, which assesses an insurer’s financial strength and capacity to pay claims. Higher ratings indicate greater financial stability.
NAIC Complaint Index, compiled by the National Association of Insurance Commissioners from consumer complaint data. The baseline is 1.00 – a lower score means fewer complaints than expected for the insurer’s size, and a higher score means more.

What factors affect your home insurance rate?

Home insurance is priced according to the risk an insurer associates with your property and personal profile. The factors that carry the most weight include:

Where you live. Crime levels, weather-related risks, and local claims activity all factor into your rate.
Your claims history. Having filed claims in the past generally leads to a higher premium going forward.
Your credit-based insurance score. Most states allow insurers to use credit as a pricing factor. A lower score can result in a higher rate, though states such as California and Massachusetts have restrictions on this practice.
Your coverage limits and deductible. Choosing higher coverage or a lower deductible will increase your annual cost.

Home insurance costs have also been rising nationally. S&P Global Market Intelligence’s RateWatch application found that premiums for owner-occupied homes increased by more than 11% in 2023.

Resources and methodology

Source

S&P Global. US homeowners insurance rates jump by double digits in 2023. Accessed June 2026.

Methodology

Insure.com partnered with Quadrant Information Services to gather homeowners insurance data, drawing from 20,739,560 quotes across 82 national and regional insurers and 34,588 ZIP codes.

Sample rates are based on a homeowner profile with good credit and the following coverage levels:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The best companies list was determined using average annual cost, NAIC complaint score, and AM Best rating. All rates are intended for comparison and individual results will vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.