Average homeowners insurance cost in Utah

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The average cost of home insurance in Utah is $1,798 per year for a standard policy.

Your premium is shaped by the dwelling coverage limit you select and the level of protection you need. Broader coverage generally means a higher cost. Higher coverage means higher premiums. American Family stands out for its more affordable rates in the state, offering solid value as you weigh different levels of coverage.

Both avoid asserting anything about financial ratings, claims service, or stability – they stay anchored to price, which is the one thing you know for sure.

Compare quotes from multiple insurers and ask each one what discounts they offer. Premiums can differ significantly from company to company because they weigh things like where your home is located, how old it is, what it’s built from, the shape your roof is in, and your past claims. Pulling several quotes tied to your specific address is the surest way to spot the best value.

Key Takeaways

Based on our data, homeowners insurance in Utah costs an average of $1,798 per year.
Among all ZIP codes in Utah, 84626 has the most affordable rates, averaging around $1,567 annually.
For the lowest insurer rates in Utah, American Family comes in at an average annual premium of $1,535.

What is the average cost of homeowners insurance in Utah?

The average homeowners insurance premium in Utah is $1,798 per year. That figure is based on 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

The typical homeowners insurance policy in Utah runs $1,798 per year, assuming $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

Stepping up to $400,000 in dwelling coverage, with the same liability and deductible settings, brings the average annual cost to $2,221 in Utah.

The table below shows average homeowners insurance costs in Utah for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$1,380	$115
$200,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$1,392	$116
$300,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$1,798	$150
$300,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$1,814	$151
$400,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$2,221	$185
$400,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$2,238	$187
$600,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$3,016	$251
$600,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$3,033	$253
$1,000,000 with $2,500 Deductible and $200,000 Liability and None Hurricane	$4,217	$351
$1,000,000 with $2,500 Deductible and $300,000 Liability and None Hurricane	$4,246	$354

Average home insurance cost in Utah by insurer

The most affordable homeowners insurance in Utah comes from American Family, which averages $1,535 per year. State Farm and Farmers are also worth considering.

Shopping around can save you hundreds, or more, each year.

Below are average annual and monthly premiums for Utah homeowners, based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
American Family	$1,535	$128
State Farm	$1,628	$136
Farmers	$1,664	$139
Nationwide	$2,033	$169
Auto-Owners	$3,500	$292
USAA*	$1,522	$127

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

How to lower your home insurance rate

Shop around. A single quote won’t tell you much. Comparing rates from three or four different insurers in Utah is the surest way to find a competitive price.
Bundle your policies. Pairing home and auto insurance, or renters and auto, with the same provider is a straightforward way to qualify for multi-policy discounts.
Ask about smart home discounts. Home security systems, smoke detectors, and leak detection devices are upgrades that many insurers reward with lower premiums.
Check for other savings. It’s worth asking your insurer about loyalty discounts, claims-free incentives, and credits for improvements like fire-resistant roofing materials.

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 in Utah

84626 has the lowest average home insurance rates in Utah, with homeowners paying around $1,567 per year.

Home insurance rates aren’t uniform across Utah. Your ZIP code, in particular, is one of the biggest reasons prices differ from one area to the next.

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

ZIP code	Average annual rate	Average monthly rate
84626	$1,567	$131
84633	$1,593	$133
84062	$1,626	$135
84773	$1,637	$136
84780	$1,638	$137
84602	$1,644	$137
84760	$1,657	$138
84784	$1,662	$138
84075	$1,663	$139
84743	$1,669	$139

Most expensive ZIP codes for home insurance in Utah

84064 carries the highest average home insurance rates in Utah, at $2,249 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
84064	$2,249	$187
84086	$2,235	$186
84401	$2,202	$184
84309	$2,186	$182
84324	$2,177	$181
84024	$2,153	$179
84306	$2,143	$179
84017	$2,123	$177
84040	$2,115	$176
84059	$2,113	$176

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

How has home insurance pricing shifted in Utah?

From 2023 to 2025, home insurance rates in Utah increase by 2%, mirroring the broader direction of the state’s insurance market over that period.

Here’s how rates have moved year over year since 2022:

2022 rates	2023 rates	2025 rates
$1,411	$1,758	$1,798

What are the best homeowners insurance companies in Utah?

Our data points to State Farm as the best overall pick in Utah, thanks to its AM Best rating of A+ and one of the lowest NAIC complaint scores in the state.

We ranked insurers using two measures that matter most when you’re counting on coverage:

AM Best Ratings reflect financial strength-essentially, how confidently a company can cover claims.
NAIC Complaint Scores track complaints in proportion to a company’s size, so a lower number means fewer headaches for policyholders.

Combined, they offer a clear read on whether an insurer is both financially sound and easy to deal with. In the table below, you’ll find the top companies in Utah compared by annual premium, financial rating, and complaint history.

Company	Average annual premium	Am Best Rating	NAIC Complaint Index	Overall score
State Farm	$1,628	A+	1.15	4.67
American Family	$1,535	A	1.07	4.59
Farmers	$1,664	A	0.89	4.58
Nationwide	$2,033	A	1.34	4.51
Auto-Owners	$3,500	A+	0.39	4.46
USAA*	$1,522	A++	0.46	4.82

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

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

Sources:

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

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 37,973,840 quotes from 75 company groups (134 companies) across 34,595 ZIP codes in all 51 states.

Rates are based on a sample homeowner profile with good credit and the following coverage:

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

The national average annual premium (non-hurricane deductible) is $2,543.

Company rankings factor in:

AM Best rating: 30%
NAIC score: 35%
Annual premium: 35%

All quoted rates are for comparison purposes and individual premiums may 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.