Compare Homeowners Insurance in Utah

On average, your neighbors pay $65 a month.

See Your Rates

Best home insurance companies in Utah

Utah has exceptionally low home insurance rates compared to much of the rest of the country. Still, finding your best home insurance coverage requires some research and comparison on your end. We put together this guide to help you with that.

We compared homeowners insurance companies that operate in Utah. We studied their rates, policy offerings and customer satisfaction statistics. These are our top picks for Utah home insurance providers:

State Farm: most popular

State Farm currently holds 17% of the home insurance market share in Utah, well above the average market share of 4% that home insurance providers in the state hold. State Farm’s average rate in Utah is $631, $152 below the Utah average rate of $783 and almost half the national average of $1,215.

State Farm tends to have a large home insurance stake in most of the states in which it operates. A large part of this comes down to its reputation for good claims resolution. J.D. Power gave State Farm a four-out-of-five rating in its 2019 home insurance customer satisfaction survey. Also, State Farm has a low 0.20 rating in the National Association of Insurance Commissioner’s Complaint Index. The lower an insurance company’s index rating, the few complaints they’re dealing with. State Farm’s Complaint Index rating is less than half of the Utah average of 0.42.

Farmers: cheapest rates

Farmers’ average home insurance rate in Utah is $454, $329 below the state average rate of $783 and 37% lower than the national home insurance average annual rate of $1,215.

On top of offering low rates, Farmers also has long-term savings options. The insurer has a claims forgiveness program that may save you a considerable amount of money over time. If you are with Farmers for at least five years without filing a claim, your next claim will not result in a premium increase. Whenever you file a claim, there’s a good chance that you will see an increase in your rates. A claim usually stays on your insurance record for up to seven years. Being able to avoid spending that much money over time can be a huge savings.

Farmers also holds 12.2% of the home insurance business in Utah, the second-highest market share in the state.

The following graph shows Farmers’ average rates in Utah. There are only 29 counties in Utah, and the state is the 12th smallest in the country. As such, cities in Utah may share many of the same home insurance factors. This results in the small rate range between them.

farmers home insurance rates in utah

Allstate: second-lowest rates in Utah

With an average home insurance rate of $631, Allstate is the only other provider besides Farmers to fall below the state annual home insurance average rate of $783.

An excellent way to save even more money with Allstate is to bundle your home insurance policy with auto or life insurance. Bundling your insurance policies with Allstate can save you up to 25% on your annual rates, one of the highest bundling percentages in the industry.

You can save up to another 20% on your home insurance if you don’t have any recent claims on your insurance record.

Allstate also has a below-average complaint record. NAIC gave the insurer a 0.29 Complaint Index rating. This falls below the state average rating of 0.42 and the national average rating of 1.0.

The table below shows average Allstate home insurance rates in the largest cities in Utah. If budget is a priority in your decision-making, we recommend looking at Farmers and Allstate rates side by side. Both companies have excellent policy options and track records, so a cheap quote probably won’t be the only benefit you’ll get.

Allstate home insurance rates across Utah
City Allstate annual rate
Layton $614
Ogden $625
Orem $661
Provo $663
Salt Lake City $719
Sandy $753
South Jordan $630
St. George $552
West Jordan $673
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Auto-Owners: best customer experience

While Auto-Owners’ home insurance rate of $884 is a little above the Utah average rate of $783, its claims satisfaction record is one of the best you can have. Auto-Owners has a four-out-of-five rating in the 2019 J.D. Power home insurance customer satisfaction survey, the fifth-highest ranked in the survey. Also, the insurer has a 0.20 rating in NAIC’s Complaint Index, well below both the Utah and national index averages.

Auto-Owners provides home insurance through independent agents instead of having agencies of their own. The company works through more than 47,000 agents in 26 states, making it easy to get a quote.

Home insurance companies in Utah

The majority of the best home insurance companies in Utah tend to be the big-name providers. The following table shows how they compare in terms of popularity, customer satisfaction and complaint rating:

Company Market share Overall customer satisfaction* (higher is better) NAIC Complaint Index (lower is better)
State Farm 17% 4/5 0.20
Farmers 12.2% 3/5 0.37
Allstate 10% 3/5 0.29
USAA 6.2% 5/5 0.31
American Family 5.8% 3/5 0.32
Auto-Owners 3.9% 4/5 0.20
*According to J.D. Power’s 2019 home insurance satisfaction study.

Average cost of homeowners insurance in Utah

The average annual cost of home insurance in Utah is $783, nearly 36% below the national average rate of $1,215. We calculated the state average from almost 400 quotes from the top six home insurance providers operating in Utah.

Average cost of home insurance in Utah
  Utah U.S.
Average annual rate $783 $1,215
Average monthly rate $65 $101
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

After comparing the average annual rates of the top home insurers in Utah, we found Farmers to have the lowest average rate, at $454. American Family came in highest, at $958.

average home insurance rates in utah

Home insurance rates in Utah by city

Sanpete County has the highest average annual home insurance rate in Utah of $906. There are various reasons for Utah’s low homeowners insurance rates. Among them is the lack of extreme weather factors other states experience, such as flood or hurricane, that insurers consider high risk. Also, the FBI reports that Utah is 39th in the country for violent crime. High property crime rates in your area can raise your rates considerably. Having such a low crime rate overall, Utah avoids high home insurance premiums.

The rate range amongst cities in Utah doesn’t vary widely, staying within a $50 range. St. George has the lowest average annual home insurance rate, at $718, and Salt Lake City has the highest rate, at $767.

Average home insurance rates across Utah
City Average annual rate
Layton $729
Ogden $756
Orem $757
Provo $758
Salt Lake City $767
Sandy $766
South Jordan $738
St. George $718
West Jordan $753
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Methodology

QuoteWizard analyzed 397 quotes from the six top home insurance companies in Utah. As a base profile, we used a home valued at $321,151 and built in 1986 as a median.

The home insurance policy we rated included standard coverage amounts based on $321,151 in dwelling coverage and a $1,000 deductible.

Sample home insurance coverage limits

  • Dwelling coverage: $321,151
  • Personal property coverage (50% of dwelling): $160,576
  • Other structures coverage (10% of dwelling): $32,115
  • Loss of use coverage (20% of dwelling): $64,230<
  • Liability coverage: $100,000

Frequently asked questions

Q: How much is home insurance in Utah?

A: The average cost of homeowners insurance in Utah is $65 a month, according to our study. However, rates vary depending on where you live in the state.

Q: What's the best homeowners insurance company?

A: State Farm is an excellent option for many homeowners in Utah, but home insurance is not one-size-fits-all. We found that Farmers, Allstate, and Auto-Owners also provide great coverage.

Q: Do you need earthquake insurance in Utah?

A: Homeowners insurance does not cover earthquakes, meaning you'll need a separate earthquake insurance policy for coverage. We recommend purchasing earthquake insurance to fully protect your home.

Q: How much is flood insurance in Utah?

A: The average cost of flood insurance in Utah is $54 a month, according to our study.

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.