The average cost of home insurance in Utah is $926 a year. However, depending on factors such as the age of your home and where it's located, this rate can vary considerably. We've looked at the biggest home insurance companies in Utah and compared their rates, policies and customer satisfaction ratings to help you find the cheapest, best home insurance available to you in Utah.
This article covers:
Cheapest home insurance companies in Utah
Of the eight biggest homeowners insurance providers in Utah, Allstate has the cheapest average rate of $720 a year. This puts them at 25% cheaper than the state average. American Family has the second-cheapest rate of $741, and USAA comes in with the highest average rate of $1,086 a year.
| Company | Average annual rate |
|---|---|
| Allstate | $720 |
| American Family | $741 |
| Farmers | $1,017 |
| Metropolitan Insurance | $808 |
| Nationwide | $1,006 |
| State Farm | $958 |
| Travelers | $1,069 |
| USAA | $1,086 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
How much is home insurance in Utah?
The average homeowners insurance rate in Utah is $926 a year, or $77 a month. This is $828 cheaper than the national home insurance average of $1,754 per year.
Utah has the fifth-lowest home insurance rates in the U.S., according to our research. Your premium is affected by a combination of factors including:
- The policy limits you choose
- The age of your home
- The quality of construction materials
- The location of your home
- Your insurance claims history
The deductible you choose for your home insurance coverage also determines how much it costs. Simply put, the higher your deductible, the lower your premium.
| Dedutible | Average annual rate |
|---|---|
| $1,000 | $926 |
| $1,500 | $848 |
| $2,000 | $807 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Utah's best home insurance companies
Allstate and USAA are the best home insurance providers we found in Utah based on their average premiums, discounts and customer satisfaction trends. Here's more on why we think they're the best for Utah homeowners.
Allstate: cheapest rates and best discounts
Allstate has the lowest home insurance rate in Utah at $720 a year. Below is a table showing Allstate's average rates in Utah's largest cities.
| City | Allstate's average annual rate |
|---|---|
| Salt Lake City | $801 |
| West Valley City | $745 |
| West Jordan | $768 |
| Provo | $757 |
| St. George | $632 |
| Orem | $754 |
| Sandy | $858 |
| Ogden | $715 |
| Layton | $703 |
| South Jordan | $744 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
If you're looking to switch home insurers in Utah, Allstate offers good incentives. Here are some of the discounts Allstate has if you're looking to change your provider:
- Get up to a 10% discount just for becoming an Allstate customer.
- If you get a new policy with Allstate seven days before your current one expires, you may save up to 10% on your premium.
- If you switch to Allstate without a recent claim, you may save another 20%.
- If you have both auto and home insurance with Allstate, then you may be able to save up to 25%.
USAA: Best for military families
Although USAA has the highest average rate among the companies we looked at in Utah, USAA's customer service and benefits to military personnel still make it a great option for home insurance. USAA's customers receive excellent customer service. USAA has a score of 882 out of 1,000 for overall satisfaction in J.D. Power's 2021 home insurance study, which is the highest score in the study. USAA also covers uniforms in the event of a loss for active duty or deployed members.
Travelers: Best for green homes
If you have a green home, you can save if you have Travelers' home insurance. These perks include:
- Travelers' green home coverage can provide you with protection to help repair, replace or rebuild your home with green materials if your home is damaged due to a covered loss.
- A discount of up to 5% if your home has a Leadership Energy and Environmental Design certification.
Find cheap Utah home insurance
Home insurance rates in Utah by city
Among the biggest cities in Utah, homeowners in St. George pay the cheapest rates for home insurance, with Allstate charging them an average of $632 a year. Salt Lake City has the most expensive average rate among the most populated cities in Utah at $947 a year.
| City | Average annual rate |
|---|---|
| Salt Lake City | $947 |
| West Valley City | $915 |
| West Jordan | $886 |
| Provo | $920 |
| St. George | $867 |
| Orem | $921 |
| Sandy | $926 |
| Ogden | $944 |
| Layton | $913 |
| South Jordan | $889 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Utah homeowners insurance rates by county
When looking at the biggest counties in Utah, Iron County has the cheapest home insurance rates in the state with an average of $884 a year. Cache County has the second-cheapest rate at $887 a year.
| County | Average annual rate |
|---|---|
| Salt Lake | $923 |
| Utah | $922 |
| Davis | $904 |
| Weber | $937 |
| Washington | $902 |
| Cache | $887 |
| Tooele | $952 |
| Iron | $884 |
| Box Elder | $940 |
| Summit | $940 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Methodology
We collected non-binding quotes from every ZIP code in Utah for a standard HO-3 homeowners insurance policy. We used the following coverages:
- Dwelling coverage: $275,000
- Other structures coverage: $27,500
- Personal property coverage: $137,500
- Loss of use coverage: $55,000
- Liability coverage: $100,000
- Medical payments: $5,000
- Deductible*: $1,000
QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.