Cheapest homeowners insurance in Utah 2022

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

American Family provides the cheapest homeowners insurance with an average cost of $1,007 per year.

To help you save money on homeowners insurance, we’ve researched the industry and can suggest three particular insurers with the most affordable coverage on average in Utah. Read on for our recommendations and tips for shopping around and saving money on homeowners insurance.

Key Takeaways

At $84 per month, American Family offers the cheapest homeowners insurance in Utah with $300,000 dwelling coverage, $300,000 liability protection and $1,000 deductible.
After American Family, Farmers and Travelers offer cheaper homeowners insurance in Utah.
Amongst all the large cities surveyed by Insure.com in Utah, the city with zip code 84075 offers the cheapest homeowners insurance at $105 per month or $1,265 annually.

Cheap homeowners insurance companies in Utah

American Family, Farmers and Travelers have the lowest average home insurance rates with $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible.

Here are the average Utah homeowners insurance rates by company. You may wonder: How much is homeowners insurance a month in Utah? We included those averages, too:

Company	Average annual premium	Average monthly premium
American Family	$1,007	$84
Farmers	$1,019	$85
Travelers	$1,055	$88
Allstate	$1,083	$90
Nationwide	$1,162	$97
USAA	$1,453	$121
Garrison	$1,616	$135
Fire Insurance	$1,643	$137
State Farm	$1,722	$143
Auto Owners	$9,902	$825

Compare cheap homeowners insurance in Utah by ratings

It’s always wise to shop around and compare prices before you buy your home insurance. There are many factors that go into deciding the best homeowners insurance company. We have compared the insurers in Utah using their J.D. Power score and AM Best rating and put together a list of the cheap homeowners insurance companies.

Company	J.D. Power score	AM Best rating
USAA	882	A++
State Farm	835	A++
American Family	831	A
Allstate	829	A+
Farmers	813	A
Nationwide	812	A+
Liberty Mutual	806	A
Travelers	800	A++

How much is home insurance in Utah

The average Utah homeowners insurance is $1,378 for a policy with $300,000 dwelling coverage and $300,000 liability with a $1,000 deductible. Experts recommend at least $300,000 liability coverage to protect your home against lawsuits. The average Utah home insurance costs are $927 less than the national average.

Actual home insurance costs vary depending on multiple metrics, including location, claims history and discounts, such as auto and home bundling.

For instance, home insurance premiums are partially based on the home’s claims history (even from before you bought the property) and your neighbor’s claims history.

Homeowners insurance companies decide upon rates based on risks. If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims. Your credit score can also play a role in your home insurance costs.

Average annual premium	Average monthly premium
$1,378	$115

Cheapest homeowners insurance in Utah by ZIP code

Not every city in Utah have the same home insurance costs. The price of homeowners insurance depends on a lot of different factors and one of them is your zip code. The least expensive zip code for home insurance in Utah is 84075 with an average annual premium of $1,265 per year.

Find below the homeowners insurance annual and monthly rate for your zip code.

ZIP code	Average annual premium	Average monthly premium
84075	$1,265	$105
84056	$1,277	$106
84025	$1,285	$107
84037	$1,290	$108
84087	$1,296	$108
84015	$1,303	$109
84602	$1,306	$109
84041	$1,308	$109
84716	$1,314	$110
84601	$1,317	$110
84790	$1,318	$110
84010	$1,324	$110
84040	$1,325	$110
84408	$1,328	$111
84759	$1,329	$111

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

How much is home insurance in other states

Alaska$1,799/Year

Alabama$2,981/Year

Arkansas$3,439/Year

Arizona$1,976/Year

California$1,166/Year

Colorado$3,082/Year

Connecticut$1,961/Year

Washington D.C.$1,488/Year

Delaware$1,521/Year

Florida$3,439/Year

Georgia$2,555/Year

Hawaii$499/Year

Iowa$2,540/Year

Idaho$1,842/Year

Illinois$2,201/Year

Indiana$2,423/Year

Kansas$3,931/Year

Kentucky$2,862/Year

Louisiana$3,270/Year

Massachusetts$1,920/Year

Maryland$1,518/Year

Maine$1,833/Year

Michigan$2,153/Year

Minnesota$3,010/Year

Missouri$3,111/Year

Mississippi$3,340/Year

Montana$2,809/Year

North Carolina$2,009/Year

North Dakota$2,601/Year

Nebraska$3,133/Year

New Hampshire$1,455/Year

New Jersey$1,744/Year

New Mexico$2,299/Year

Nevada$1,486/Year

New York$1,840/Year

Ohio$2,107/Year

Oklahoma$4,445/Year

Oregon$1,608/Year

Pennsylvania$1,720/Year

Rhode Island$2,125/Year

South Carolina$2,678/Year

South Dakota$3,172/Year

Tennessee$2,692/Year

Texas$3,429/Year

Virginia$1,956/Year

Vermont$1,212/Year

Washington$1,514/Year

Wisconsin$1,732/Year

West Virginia$2,486/Year

Wyoming$2,083/Year

Les Masterson

Contributor

Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics.