Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Utah Average homeowners insurance cost in Utah Homeowners insurance in Utah costs $1,792 per year or $149 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: April 14, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re buying a new home or safeguarding the one you already own, it’s important to have comprehensive homeowners insurance. However, the amount you’ll pay depends on the insurance company and the coverage limits you choose.Homeowners insurance in Utah costs an average of $1,792 a year, according to Insure.com’s study. Read this guide to learn more about the average homeowners insurance rates in Utah by insurance company and ZIP code. Key Takeaways Homeowners insurance costs an average of $1,792 a year, based on our 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 levelHomeowners 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 UtahIt’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.We have compared the insurers in Utah using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in Utah. Based on the analysis, Auto-Owners received the lowest NAIC score and A++ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scoreAuto-Owners$1,747A++0.335American Family$1,249A0.374.64Farmers$1,508A0.544.06State Farm$1,078A++0.953.78Nationwide$1,254A+0.873.7Average homeowners insurance cost by company in UtahState 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 rateState Farm$1,078$90American Family$1,249$104Nationwide$1,254$104Farmers$1,508$126Auto-Owners$1,747$146USAA$2,464$205Utah homeowners insurance rates by ZIP codeInsurance 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 UtahHome 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 codeAverage annual rateAverage monthly rate84015$1,498$12584041$1,505$12584742$1,523$12784741$1,559$13084075$1,568$13184532$1,570$13184054$1,595$13384780$1,597$13384010$1,598$13384087$1,599$133Most expensive ZIP codes for home insurance rates in UtahYour 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 codeAverage annual rateAverage monthly rate84080$2,133$17884401$2,076$17384309$2,008$16784340$2,004$16784329$1,995$16684022$1,993$16684304$1,990$16684307$1,982$16584310$1,980$16584302$1,973$164Home 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 citySanta ClaraSouth JordanWest JordanHome insurance rate trend in UtahWe 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 following data highlights the changes in homeowners insurance rates since 2019.2019 rates2022 rates2023 rates$1,107$1,411$1,792Finding the right homeowners insurance requires thorough research and comparing rates from different insurers, as each has its own way of assessing risk. By gathering quotes from at least three companies, you can increase your chances of getting the most affordable coverage in Utah.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.MethodologyInsure.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 deductibleWe 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. Explore other insurance options in Utah Average renters insurance cost in Utah Average car insurance cost in Utah Non-owner car insurance in Utah How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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