Utah’s miles of mountains make it the perfect home for skiers, hikers, and mountain bikers, but its climate also puts it at risk for dangerous storms and wildfires. For that reason, residents in high-risk areas of Utah will want a quality home insurance policy to protect against the various elements.
The average cost of homeowners insurance in Utah is just $949 per year or $79 a month. This is around 50% lower than the national average of $1,899 per year.
But there are factors other than cost that you should consider when choosing an insurer. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in Utah.
Methodology & why you can trust our rates
Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:
Dwelling: $300,000
Other structures: $30,000
Personal property: $150,000
Loss of use: $60,000
Liability: $300,000
Medical: $1,000
All rates based on the above coverage limits except where otherwise noted.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Best homeowners insurance companies in Utah
Of the companies we evaluated, American Family has the lowest rate with an average yearly cost of $620, which is about $300 less than the already-low state average. Farmers also offers a rate below the state average, at $811 per year.
While there are many affordable options in Utah, it’s also important to take customer service and claims satisfaction into account when choosing an insurance carrier. Companies like J. D. Power offer ratings so you can compare companies to see who offers the best service.
Policygenius analyzed thousands of quotes from the 5 largest Utah insurers to find the average cost of homeowners insurance with each company in 2022. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of Utah residents to find the best homeowners insurance in Utah.
Company | Average yearly cost | J.D. Power Rating |
|---|---|---|
State Farm | $1,092 | 835 |
Farmers | $811 | 813 |
Allstate | $1,681 | 829 |
USAA | $1,197 | 882 |
American Family | $620 | 831 |
There's a reason State Farm is one of the top-rated insurance companies in the U.S. — its customer satisfaction ratings are through the roof, it offers a slew of coverage add-ons for full protection, and makes filing claims through its mobile app a breeze.
Pros
Top-tier coverage add-ons, including equipment breakdown, water backup, and service line coverage
Get up to $1 million in personal liability coverage
Score discounts for bundling, installing security devices, and choosing a high deductible
File and track claims online, over the phone, in person, or through its mobile app
High customer satisfaction and financial strength ratings
Cons
No discounts for first-time homebuyers or going a year without a claim
Read our full State Farm home insurance review
Why State Farm tops our best list
If choosing the right home insurance company comes down to customer service, then State Farm is an excellent choice. Not only does it score well with J.D. Power, but its customer reviews are equally impressive as well. State Farm’s website and mobile app make it easy for customers to file and track claims, and they have coverage add-ons that ensure your home is fully covered.
How to get a quote
Online through State Farm
Farmers is one of the largest and most reputable home insurance providers in the industry, offering special discounts for teachers, nurses, first responders, and non-smokers — plus the option to rebuild your home with green materials after a claim.
Pros
Several discounts and unique ways to save, including claim forgiveness and declining deductibles
3 flexible coverage packages with varying levels of protection for most coverage and budget needs
Offers extended and guaranteed replacement cost coverage options
File claims online, via text, on its mobile app, or by calling its claims center
Cons
Rates are typically more expensive
Below-average customer satisfaction ratings
No repair network to help you find a certified contractor or repair professional after filing a claim
Read our full Farmers home insurance review here
Why Farmers tops our best list
If you’ve been looking to make your home more environmentally friendly, Farmers offers an eco-friendly rebuild option that can give you a fresh start. If you need to repair or replace your home after a covered loss, you can get up to $25,000 to put towards “green” building materials.
How to get a quote
Online through Farmers
Why Allstate tops our best list
While Allstate’s average annual rate in Utah is the most expensive of the companies we analyzed, they have plenty of coverage options as well as excellent customer service to make their policies worth the extra cost. With a discount of up to 25% off when you bundle home and auto insurance, that price tag quickly drops to a more affordable $1,260 per year.
How to get a quote
Online through Policygenius or Allstate
Why USAA tops our best list
Along with USAA’s low prices and high customer service satisfaction, members of the US armed forces can also take advantage of the company’s partnership with ADT for additional security and savings. By purchasing ADT’s equipment and monitoring service through USAA, customers receive discounts from both companies and can be confident that their homes are even safer.
How to get a quote
Online through USAA
American Family's status as the 7th largest home insurance provider in the U.S. speaks to its popularity and reputation. Our fave perk? Its diminishing deductible program that lets you earn credits for every year you go without filing a claim.
Pros
Unique coverage add-ons, like matching siding insurance and hidden water damage coverage
Save up to 20% on home insurance and 29% on auto insurance for bundling the policies together
Earn a $100 credit toward your deductible for ever year you go without filing a claim
File claims online or on its mobile app — with 24/7 claims support
Cons
Doesn't offer extended or guaranteed replacement cost coverage
Above-average customer complaints according to the NAIC
Why American Family tops our best list
American Family’s “Diminishing Deductible” program is a huge perk to help bring down your out-of-pocket expenses when filing a claim. By adding this option to your policy, you get a $100 credit towards your deductible right away, and then another $100 credit every year your policy renews. Over time, that can equal hundreds of dollars in savings.
How to get a quote
Online through American Family
Cheapest homeowners insurance companies by city in Utah
Looking at average home insurance costs for the 15 most popular insurers in Utah, we found that the cheapest homeowners insurance company in the state is American Family. Even in the larger cities that would usually see higher rates, you only pay an average of $590 in West Valley City, $670 in Salt Lake City, and $691 in Provo. While more expensive than other areas, all three cities have options below the state average of $949 per year.
The cost of homeowners insurance is based on factors including the size and age of your home, the crime rate in your area, as well as your proximity to high-risk wildfire areas. Where you live in the state is also going to affect how much your insurance costs. But as the table shows, there are many affordable options available for Utah residents.
City | Company | Average yearly cost |
|---|---|---|
Bountiful | American Family | $586 |
Draper | American Family | $601 |
Eagle Mountain | American Family | $649 |
Herriman | American Family | $546 |
Layton | American Family | $618 |
Lehi | American Family | $597 |
Logan | American Family | $615 |
Millcreek | American Family | $679 |
Murray | American Family | $643 |
Ogden | American Family | $675 |
Orem | American Family | $662 |
Provo | American Family | $691 |
Riverton | American Family | $570 |
Salt Lake City | American Family | $670 |
Sandy | American Family | $607 |
South Jordan | American Family | $571 |
St. George | American Family | $573 |
Taylorsville | American Family | $593 |
West Jordan | American Family | $564 |
West Valley City | American Family | $590 |
Shopping for homeowners insurance in Utah
There are many factors to consider when shopping for homeowner’s insurance. Not only is it important to understand what goes into your rate, but you should also figure out ahead of time how much and what type of coverage you need so you don’t overspend on your policy. It’s also good to know how your deductible makes a difference in your premium and out-of-pocket expenses.
In this section, we break down the average annual home insurance rates in Utah for different coverage and deductible levels, as well as the cheapest and most expensive home insurance companies in the state for individuals with a poor credit score, dog owners, and pool owners. Once you’re ready to shop, a Policygenius expert can help you navigate your coverage needs and help you find the best deal on homeowners insurance in Utah.
Utah home insurance costs by coverage amounts
Utah residents in high-risk areas should be extra diligent on having enough dwelling coverage to fully replace their home in the event of a disaster.
Dwelling coverage is the part of your home insurance that pays to repair or rebuild your home after a covered loss. The amount of coverage you need is determined by your home’s replacement cost — note its market value or purchase price of your house.
More dwelling coverage means higher home insurance rates. In Utah, a policy with a $100,000 dwelling coverage limit will cost $514 per year, while a policy with a $500,000 dwelling coverage limit has a yearly cost of $1,402. That’s a difference of almost $900 per year.
Dwelling coverage amount | Average yearly cost |
|---|---|
$100,000 | $514 |
$200,000 | $740 |
$300,000 | $949 |
$400,000 | $1,172 |
$500,000 | $1,402 |
Liability insurance covers the cost of medical bills and legal expenses in case you’re legally responsible for someone’s injury or you damage their property on accident. Your coverage should be high enough to cover the total value of your home, cars and other vehicles, and liquid assets so you’re not left covering these expenses out of pocket.
Unlike with dwelling coverage, the amount you pay for liability insurance does not drastically go up as you increase your coverage amount. For this reason, it’s prudent to get the largest amount of coverage you can afford.
Liability coverage amount | Average yearly cost |
|---|---|
$100,000 | $916 |
$200,000 | $859 |
$300,000 | $949 |
$400,000 | $789 |
$500,000 | $999 |
Utah home insurance costs by deductible amount
Your homeowners insurance deductible is the amount you pay towards your claim before the insurance company covers the rest. If you file a claim for $2,000 in repairs and you have a $1,000 deductible, you will need to pay the first $1,000 and then the insurer will cover the rest.
As seen in the table below, Utah residents can save over $300 on home insurance by choosing a $2,000 deductible over the $500 option.
Deductible amount | Average yearly cost |
|---|---|
$500 | $1,086 |
$1,000 | $938 |
$2,000 | $775 |
Home insurance discounts in Utah
Insurance companies will often offer discounts on premiums, especially if it means lowering their own costs. You can usually save money on your policy by installing security devices in your home such as burglar alarms and smoke detectors. By securing your home, you are less likely to file a claim after a fire or break in, saving money for both you and your insurer.
While you won’t get a huge discount if your house has one of the following features and nothing else, they can add up if you have several protective devices in your home. Here is the average annual rate and average discount percentage for homes in Utah with deadbolts, smoke alarms, or burglar alarms.
Discount | Average yearly cost |
|---|---|
Dead bolt | $949 |
Smoke alarm | $949 |
Burglar alarm | $934 |
Home insurance companies in Utah for dog owners
Insurance companies may charge higher rates for dog owners due to the fact that certain dog breeds are considered dangerous and lead to more liability claims.
With an average rate of $630 per year, American Family has the cheapest home insurance rates in Utah for a home with a dangerous dog breed, while Allstate’s average yearly premium of $1,681 is the highest.
Company | Average yearly cost |
|---|---|
American Family | $630 |
Farmers | $811 |
State Farm | $1,092 |
USAA | $1,197 |
Allstate | $1,681 |
Home insurance companies in Utah for poor credit
If you have poor credit, you may see increased rates on your insurance premium. Some companies use your credit score to determine if you are a high risk to insure. Numbers show that people with lower credit tend to file more claims instead of paying for smaller repairs out of pocket, which costs insurers more money.
Not all insurance companies will use your credit score to determine your rates, so if you have poor credit, it’s wise to shop around.
With an average rate of $1,073 per year, American Family has the cheapest home insurance rates in Utah for a homeowner with poor credit, while Allstate’s average yearly premium of $2,141 is the highest.
Company | Average yearly cost |
|---|---|
American Family | $1,073 |
Farmers | $1,622 |
USAA | $1,722 |
State Farm | $1,855 |
Allstate | $2,141 |
Home insurance companies in Utah for pool owners
Having a pool in your yard can make your premium go up since there is a higher risk for injuries and liability claims. The same goes for trampolines and tree houses, though some insurance companies put more weight on these factors than others.
With an average rate of $626 per year, American Family has the cheapest home insurance rates for Utah homes that have a swimming pool, while Allstate’s average yearly premium of $1,681 is the most expensive.
Company | Average yearly cost |
|---|---|
American Family | $626 |
Farmers | $811 |
State Farm | $1,092 |
USAA | $1,197 |
Allstate | $1,681 |
How to buy homeowners insurance in Utah
Buying homeowners insurance means considering how much coverage you want and what price fits your budget. Knowing what you need can make choosing a policy easier. Here are some tips to help you shop around:
Reach out to a licensed Policygenius agent.You may not be an insurance expert, but the agents at Policygenius are. They can help you get quotes, compare your options, and find the right policy — all for free.
Ask about the Utah FAIR Plan. If you’ve been rejected by insurance companies for any reason, you can still get home insurance through the state’s FAIR plan, ensuring that your home is fully covered.
Consider purchasing earthquake insurance. No matter how close you live to a fault line, all Utah residents should look into adding earthquake insurance to their policy.
Figure out how much deductible you can afford. A high deductible policy may be worth it for Utah residents who don’t have any wildfire or winter storm risk.
Compare quotes from a Policygenius agent. Not all insurance companies use the same factors to determine your insurance rate, so a Policygenius agent can help you compare quotes to find the best rate for your circumstances.
Choose your policy, sign it, and pay your first premium. Once you’ve decided on a policy, Policygenius can complete the paperwork so all you have to do is sign and pay your premium.
Frequently asked questions
How can I lower the cost of homeowners insurance?
Most insurance companies offer discounts to bring down the cost of your home insurance. From bundling multiple policies to going a year without filing a claim, there are many ways you can save money on your policy.
Will my home insurance cost more if I have a pool on my property?
Since having a pool increases the risk of injuries on your property, it’s likely you will have to pay more for home insurance if you have one. Not all insurers weigh this factor as heavily as others, though, so shop around to see if you can get a lower quote.
What is personal property insurance?
Personal property insurance covers your belongings inside your home, like furniture, clothing, toys, and electronics. If these items are destroyed in a covered event, your insurer can pay to replace them.
Why should I use a Policygenius agent when shopping for home insurance?
The experts at Policygenius can help answer questions, determine how much coverage is right for you, and explain what factors could be affecting your insurance rate. They can also help you apply for insurance and direct you to paying your first premium.
