Utah homeowners insurance calculator

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The average annual cost of homeowners insurance in Utah is $1,814, but what you pay will depend on factors like your home’s location, replacement cost, coverage limits, and deductible.

Our Utah homeowners insurance calculator is a good starting point if you want a general sense of what insuring your home might cost. It shows how dwelling coverage, liability limits, and deductible choices influence your premium, and lets you compare rates across insurers and against the state average.

Whether you’re purchasing a home, revisiting your current policy, or looking for a better rate, the calculator helps set realistic expectations before you start collecting quotes.

How can I lower my homeowners insurance premium in Utah?

Shop around and compare quotes from multiple insurers – rates for the same coverage can differ significantly.
Raise your deductible – a higher up-front cost to you usually translates to a lower annual premium.
Bundle your home and auto insurance with the same insurer to qualify for a multi-policy discount.
Install safety features like smoke detectors, deadbolt locks or a security system, which can qualify you for additional discounts.

How to use the Utah home insurance calculator

Our home insurance calculator is designed to produce a quick cost estimate for homeowners in Utah. Just enter a handful of details, and you’ll have a working figure to reference. Here’s what to input:

Select your state. Pick Utah to surface rates relevant to your location.
Enter your dwelling coverage amount. Base this on what it would realistically cost to rebuild your home from the ground up.
Choose your liability limit. This is the protection that covers you if a visitor is injured on your property or you cause damage to someone else’s belongings.
Set your deductible. This is the portion of any claim you’d cover yourself before your policy takes over.

After entering your information, the calculator will show you:

The average annual homeowners insurance rate in Utah
The highest and lowest rates in our dataset
A breakdown of insurers in Utah and their typical annual premiums

It’s a straightforward way to get a sense of your likely costs and identify which insurers are worth pursuing for a formal quote.

Utah home insurance calculator

See how the average annual home insurance rates vary with the options chosen.

State

Utah

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Dwelling coverage

Liability coverage

Deductible

Standard ($2500)

Standard ($2500)Standard ($1000)

Average annual home insurance rates in
Utah

$1,823 Average rate

Average rate

$1,823/Yr

Lowest rate

$1,369/Yr

Highest rate

$3,283/Yr

Rates by carriers in Utah

Company	Average annual rate
USAA	$1,369
American Family	$1,430
State Farm	$1,471
Farmers	$1,588
Nationwide	$1,794
Auto-Owners	$3,283

Methodology

Insure.com commissioned Quadrant Information Systems to analyse home insurance rates from major insurers in the U.S. The analysis includes over 37 million quotes from 134 companies across more than 34,000 ZIP codes, using standardized coverage levels to calculate national averages. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Guest Medical limit: $5,000. Deductible limit: $1,000. Personal property: 50% of dwelling coverage for replacement value

Key Takeaways

Homeowners insurance in Utah averages $1,814 per year, which is cheaper than the national average of $2,543.
Your premium will be shaped by your home’s location, age, size, rebuilding cost, and the coverage levels you select.
Standard home insurance policies don’t include flood, earthquake, or other climate-related disaster coverage – if you’re in a high-risk area, separate coverage is worth looking into.
Premiums differ considerably between insurers, so comparing quotes is one of the most reliable ways to reduce what you pay.

What affects your homeowners insurance premium?

Several variables influence what you’ll pay, including your home’s location, age and construction type, your claims history, and the coverage options you choose.

Dwelling coverage. The estimated cost to rebuild your home, accounting for its size, materials, and local construction rates.
Liability coverage. Covers you financially if someone is hurt on your property or you cause accidental damage to another person’s property.
Deductible. What you contribute before your insurance pays out. A higher deductible lowers your premium, but increases your upfront costs when a claim arises.

Check your credit score

In some states, insurers use a credit-based insurance score as one of their pricing factors – and it can have a meaningful effect on your premium. Depending on where you live, keeping your credit in good shape by paying bills on time and managing debt levels can work in your favor when it comes to renewal time.

How does dwelling coverage affect homeowners insurance in Utah?

Dwelling coverage is what funds the repair or rebuilding of your home after a covered loss. The coverage amount you select has a direct bearing on your premium – higher coverage generally means higher costs. That said, it’s important to choose an amount that would genuinely cover a full rebuild, so you’re not left short if a major loss occurs.

The table below shows average annual and monthly premiums at various dwelling coverage levels.

Dwelling coverage	Average annual rate	Average monthly rate
$200,000	$1,392	$116
$300,000	$1,814	$151
$400,000	$2,238	$187
$600,000	$3,033	$253
$1,000,000	$4,246	$354

Average cost of homeowners insurance in Utah

Homeowners in Utah pay an average of $1,814 per year for home insurance, which is cheaper than the national average of $2,543.

That figure is based on a standard policy with:

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

Your actual premium could be higher or lower depending on your home’s location, age, size, and estimated rebuilding cost.

Average cost of home insurance in major Utah cities

Homeowners insurance isn’t priced the same across Utah. Rates in St. George are among the most affordable in the state, while homeowners in Layton face significantly higher premiums.

The table below outlines average annual rates across major cities in Utah.

City	Average annual rate	Average monthly rate
Layton	$2,111	$176
Ogden	$1,980	$165
Orem	$1,847	$154
Provo	$1,746	$146
Salt Lake City	$1,768	$147
Sandy	$1,772	$148
South Jordan	$1,718	$143
St. George	$1,705	$142
West Jordan	$1,748	$146
West Valley City	$1,769	$147

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 do natural disasters affect homeowners insurance rates in Utah?

Your home’s geographic location plays a significant role in what you pay for insurance. Properties in areas with a higher likelihood of flooding, wildfires, hurricanes, or tornadoes tend to carry higher premiums, as they represent a greater claims risk for insurers.

It’s also important to know that standard homeowners policies exclude these events. Depending on where your home is located, you may need separate policies or endorsements for:

Flooding
Wildfires
Hurricanes
Tornadoes

Adding this protection increases your overall insurance costs, but it also means you won’t be facing major repair or rebuilding expenses entirely on your own after a disaster.

What our expert says

Q: What additional coverage should homeowners buy?

Amy BachExecutive Director of United Policyholders

“For those who live near any body of water or at the base of a hill, get a quote for flood insurance.”

Frequently asked questions

What is the average cost of homeowners insurance in Utah?

The average homeowners insurance premium in Utah is $1,814 per year. Your actual rate will vary based on your home’s location, age, construction type, replacement cost, and the coverage limits and deductible you select.

How much homeowners insurance coverage do I need in Utah?

Your dwelling coverage should be sufficient to fully rebuild your home in the event of a total loss. For liability, a limit that covers your assets in the event of an injury or property damage claim is a sensible starting point. If you have significant savings or valuable property, higher limits and additional endorsements are worth considering.

Does increasing my deductible lower homeowners insurance costs?

Yes. Opting for a higher deductible reduces your premium because you’re taking on a greater share of the initial cost if a claim arises. Just make sure the deductible you choose is an amount you could comfortably cover out of pocket if needed.

Methodology

Insure.com commissioned home insurance rates from Quadrant Data Services in late 2025 for a homeowners insurance policy with dwelling coverage levels ranging from $200,000 – $1 million and liability coverage of $100,000 and $300,000. Sample rates were requested using a $1,000 deductible and a 2% hurricane deductible where applicable.

Calculate home insurance premium in other states

$1,397/Year

$3,633/Year

$3,733/Year

$2,344/Year

$1,616/Year

$4,963/Year

$1,905/Year

$1,656/Year

$1,374/Year

$7,136/Year

$2,323/Year

$659/Year

Show more states

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.