Average renters insurance cost in Utah

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Renters in Utah pay an average of $246 annually – or $20 per month – for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible. For most renters, this is a practical benchmark to start from.

Your actual premium is shaped by the amount of coverage you select, the insurer you go with, and individual factors such as your ZIP code, claims history, and depending on your state – your credit score.

How much does renters insurance cost in Utah?

The average monthly cost of renters insurance in Utah is $20 for a policy with $40,000 in personal property coverage and $300,000 in liability protection. Premiums can shift depending on where you live, how much coverage you need, and the total value of your belongings – which is why getting quotes from several insurers is a smart move.

Generally speaking, raising your deductible lowers your monthly premium, while adding coverage for valuables like jewelry or electronics increases it. Choose a deductible and coverage level that fits both your budget and replacement needs.

Renters insurance in Utah: Where to start

Renters insurance in Utah averages $246 per year, or $20 per month for a standard policy
If you’re looking for the lowest price, State Farm tends to offer the most competitive rates in Utah, averaging around $157 per year
Since pricing varies widely between providers, it pays to compare a few options before making a decision

Which companies offer the cheapest renters insurance in Utah?

State Farm offers the most affordable renters insurance in Utah, with an average annual cost of $157. Auto-Owners and Allstate are also worth considering if you’re looking to keep costs down.

Choosing the cheapest insurer isn’t always the best option, so it’s important to review coverage limits, deductibles, and available discounts alongside price. The table below shows average annual and monthly rates from a range of insurers in Utah.

Company	Average annual rate	Average monthly rate
State Farm	$157	$13
Auto-Owners	$193	$16
Allstate	$214	$18
Nationwide	$230	$19
Iowa Farm Bureau	$241	$20
American Family	$255	$21
Farmers	$289	$24
Mutual of Enumclaw	$385	$32
USAA*	$246	$20

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

Want a more accurate renters insurance estimate?

Use our calculator to get a personalized renters insurance quote based on your location and coverage needs.

Your final premium may vary depending on the insurer, coverage limits, deductible, claims history, and other rating factors.

Renters insurance calculator in Utah

$228/year

Estimated renters insurance rates in Utah

$19

Monthly renters insurance cost in Utah

-16%

Compared to national average

How much does renters insurance cost by coverage level in Utah?

The average annual cost of renters insurance in Utah is $246, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.

However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $188 a year for renters insurance in Utah. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.

The table below shows average annual renters insurance premiums in Utah for personal property coverage of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$188	$16
$20,000 with $500 Deductible and $300,000 Liability	$206	$17
$20,000 with $1,000 Deductible and $100,000 Liability	$171	$14
$20,000 with $1,000 Deductible and $300,000 Liability	$188	$16
$40,000 with $500 Deductible and $100,000 Liability	$252	$21
$40,000 with $500 Deductible and $300,000 Liability	$270	$22
$40,000 with $1,000 Deductible and $100,000 Liability	$228	$19
$40,000 with $1,000 Deductible and $300,000 Liability	$246	$20
$60,000 with $500 Deductible and $100,000 Liability	$317	$26
$60,000 with $500 Deductible and $300,000 Liability	$335	$28
$60,000 with $1,000 Deductible and $100,000 Liability	$286	$24
$60,000 with $1,000 Deductible and $300,000 Liability	$304	$25

People also ask: How much renters insurance coverage do I need?

Most renters need enough coverage to replace their personal belongings and protect against liability claims. A common starting point is $20,000 to $40,000 in personal property coverage and at least $300,000 in liability protection. That said, the right amount really depends on the value of what you own, any endorsements you might add for higher-value items, and how much risk you’re comfortable carrying yourself.

How much does renters insurance cost by city in Utah?

Renters insurance premiums can differ depending on where in Utah you live. Factors like local crime rates, weather patterns, and the density of the area all play a part in what insurers charge.

Here’s how average renters insurance rates compare across major cities.

Renters insurance rates in Utah by city

See rates in your city

Santa Clara

Does your ZIP code affect renters insurance rates in Utah?

When it comes to pricing renters insurance, your ZIP code carries a lot of weight. Insurers look at the risk profile of your specific area – including local theft levels, weather exposure, and claims history – to determine your rate. Two renters with identical policies can pay very different premiums simply because of where they live.

Across Utah, annual premiums range from around $232 in 84523 to $288 in 84005. The cheapest and most expensive ZIP codes in Utah are listed below.

Why your ZIP code affects renters insurance costs

Renters insurance premiums are calculated using localized risk data, so rates can vary considerably depending on your neighborhood and ZIP code.

Factors that influence pricing include:

Local rates of theft and vandalism
Exposure to weather events such as wildfires, floods, or hurricanes
Fire incident history and repair costs in your area

A change of just a few ZIP codes can meaningfully affect your monthly rate.

What are the most affordable ZIP codes for renters insurance in Utah?

Among all ZIP codes in Utah, 84523 has the lowest average annual renters insurance rate at $232.

Lower theft rates and fewer weather-related claims are the main drivers behind more affordable premiums in these areas.

ZIP code	City	Average annual rate	Average monthly rate
84523	Ferron	$232	$19
84312	Garland	$232	$19
84525	Green River	$232	$19
84736	Henrieville	$232	$19
84749	Lyman	$232	$19
84311	Riverside	$232	$19
84510	Aneth	$233	$19
84301	Bear River City	$233	$19
84511	Blanding	$233	$19
84512	Bluff	$233	$19

What are the least affordable ZIP codes for renters insurance in Utah?

84005 carries the highest average renters insurance cost in Utah at $288 per year, or $24 per month.

Below are average annual renters insurance rates for every ZIP code in Utah.

How to lower your renters insurance, even in a high-cost ZIP code

Compare quotes from a minimum of 3 insurers – pricing for the same coverage can vary by over $100 within a single ZIP code
Bundle renters and auto insurance with the same provider to unlock savings of 5% to 15%
Look into discounts tied to safety features. Smoke detectors, deadbolts, security cameras, and smart home systems can all qualify
Consider raising your deductible to $1,000 if it’s currently $500 – the savings can be around 10% annually
Ask your insurer about claims-free discounts if you’ve gone 3 or more years without filing

ZIP code	City	Average annual rate	Average monthly rate
84005	Eagle Mountain	$288	$24
84013	Cedar Valley	$286	$24
84006	Copperton	$283	$24
84628	Eureka	$283	$24
84045	Saratoga Springs	$282	$23
84756	Newcastle	$279	$23
84080	Vernon	$279	$23
84018	Croydon	$278	$23
84733	Gunlock	$278	$23
84329	Park Valley	$278	$23

Is renters insurance worth it in Utah?

For the vast majority of renters in Utah, a renters insurance policy is a smart financial decision. It covers your personal belongings against fire, theft, vandalism, and certain disasters, and provides liability protection if a guest is injured in your home.

Data from the US Department of Commerce, US Census Bureau, and American Community Survey shows that roughly 48% of renter households in the US spend more than 30% of their income on housing costs – which means every recurring expense, including insurance, deserves careful consideration.

The best approach is to compare policies rather than just prices. Coverage quality, deductibles, and customer service all factor into whether a policy is actually good value. Paying a little more for stronger coverage often makes sense when it’s time to file a claim.

Frequently asked questions

What does renters insurance actually cover?

Renters insurance typically covers your personal belongings, liability protection and additional living expenses if your rental becomes uninhabitable. This includes damage or loss from events like fire, theft and vandalism, as well as legal or medical costs if someone is injured in your home. Coverage details vary by policy, so it’s important to review limits and exclusions.

Do I really need renters insurance in Utah?

Renters insurance isn’t always required by law, but it’s often worth having because it protects your belongings and provides liability coverage. Even a basic policy can cover thousands of dollars in losses from theft, fire or damage, which can be costly to replace out of pocket. Many landlords also require renters insurance as part of the lease.

Sources:

Insurance Information Institute. Facts + statistics: Renters insurance. Accessed May 2026.

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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.