Best homeowners insurance in Utah (2024)

We looked at average costs, customer service ratings, and policy options from multiple top insurers to find the best and cheapest home insurance companies in Utah.

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By

Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.
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Reviewed by

Britta M. MossBritta M. MossProperty & casualty claim consultant and expert witnessBritta M. Moss, CPCU, SCLA, AIC-M, has over 25 years of insurance industry experience. In her work as a property and casualty claim consultant, she provides consultation and expert witness services in claim handling standards, practices, and norms.  She has been retained by law firms representing plaintiffs and those representing insurer defendants involved in disputes or litigation regarding coverage analysis, investigation, liability determination, damage evaluation, negotiation and settlement.  She is a graduate of The Ohio State University. 

Updated|2 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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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. 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 $894 per year or $75 a month. This is around 49% lower than the national average of $1,754 per year. 

Compare home insurance rates in Utah

Compare the best homeowners insurance companies in Utah

Policygenius found the best homeowners insurance companies in Utah by analyzing quotes across every ZIP code in the state. We also looked at J.D. Power customer satisfaction scores and compared that with the coverage needs of Utah residents to find the best homeowners insurance in the state.

Company

Best for..

Average monthly cost

Policygenius rating

Auto-Owners Insurance

Customer satisfaction

$83

5.0 out of 5

State Farm

Overall

$91

4.8 out of 5

Farmers

Coverage add-ons

$68

4.5 out of 5

American Family

Low rates

$52

4.5 out of 5

Allstate

Short term rental owners

$121

4.4 out of 5

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2024 Policygenius award winner

Auto-Owners Insurance

Auto-Owners home insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starFull orange star

5.0

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

Offers flood insurance

Why we chose itchevron icon

Auto-Owners Insurance is the highest rated homeowners insurance company in our analysis thanks to its mix of extensive policy and coverage options, high marks for financial strength and customer experience ratings, and affordable premiums.

Pros and conschevron icon

Pros

  • Affordable rates

  • Several additional coverage options

  • Up to 12 available discounts

Cons

  • Only available in 26 states

  • Not able to get quotes or file claims online

More detailschevron icon

Why Auto-Owners Insurance is one of our top picks

Auto-Owners Insurance is our pick for best customer service, scoring at least a 4 out of 5 for price, customer experience, coverage options, and financial strength, which earned it a perfect 5 out of 5 Policygenius rating.

With up to 23 policy endorsements — such as guaranteed replacement cost, inland flood coverage, and a comprehensive Homeowners Plus endorsement package — Auto-Owners offers excellent value for the coverage you're getting that surpasses competitors.

And if you find your quoted premiums are higher than you'd prefer, you can take advantage of up to 12 Auto-Owners discounts to get your rates back down. To put that into context, the average number of discounts the companies we reviewed offer is only 7.

How much does Auto-Owners home insurance cost in Utah?

Auto-Owners homeowners insurance costs $999 per year in Utah.

In comparison, the average cost of a home insurance policy in Utah is $894 per year, according to sample quotes provided to us by Quadrant Information Services. This makes Auto-Owners Insurance slightly more expensive than average.  

How to get a quote

To get a homeowners insurance quote, you'll have to call a local Auto-Owners Insurance agent.

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2024 Policygenius award winner

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

All 50 states

Why we chose itchevron icon

State Farm home insurance scores a near-perfect 4.8 out of 5 thanks to its slew of coverage add-ons, high marks on J.D. Power’s customer satisfaction surveys, and strong financial stability ratings.

Pros and conschevron icon

Pros

  • Save up to $1,127 per year when you bundle your home and auto insurance

  • Excellent line-up of policy add-ons, including extended replacement cost coverage

Cons

  • No longer sells home insurance policies in California

  • 20% more complaints filed with the NAIC than other companies of its size

More detailschevron icon

Why State Farm is one of our top picks

At a time when lots of competitors are no longer insuring homes in areas prone to wildfires or hurricanes, State Farm continues to offer its relatively affordable and highly rated home insurance to homeowners in every corner of the country.

And it doesn't skimp on coverage, offering flood, wildfire, and earthquake protection — one of few competitors that offers all three insurance policies to homeowners in high-risk states nationwide.

Plus, while many competitors don't have the financial strength to pay out claims after several natural disasters in the same year, State Farm isn't one of them. It earns the highest rating possible from A.M. Best for financial strength and stability — only six insurance companies out of nearly 70 we reviewed hold this title.

How much does State Farm home insurance cost compared to the Utah average?

A State Farm home insurance policy in Utah costs an average of $1,092 per year.

In comparison, the average cost of home insurance in Utah is $894 per year, according to sample quotes provided to Policygenius from Quadrant Information Services. This is significantly less than the national average of $1,754 per year.

How to get a quote

Online through State Farm or by contacting your local State Farm agent.

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2024 Policygenius award winner

Farmers

Farmers Insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Along with saving around 20% when you bundle your home and car insurance, Farmers also gives you access to its extensive suite of discounts, unique policy credits, and claim-free incentives that help put money back in your pocket.

Pros and conschevron icon

Pros

  • Above-average property claims satisfaction rating with J.D. Power

  • Extended and guaranteed replacement cost for your home

  • Shave $50 off your deductible each year you’re with Farmers

Cons

  • Below-average scores on J.D. Power’s digital experience survey

More detailschevron icon

Why Farmers is one of our top picks

Farmers home insurance stands out against competitors thanks to the slew of discount opportunities and policy perks available.

It offers 17 home insurance discounts — its competitors average just seven — and policy perks that aren't easy to come by, including:

  • Declining deductibles: Earn $50 toward your home deductible each year you have a home insurance policy with Farmers.

  • Claim forgiveness: Once you’ve gone five years without filing a claim, Farmers won’t raise your rate after that if you end up filing one.

Even more, depending on your state of residence, you can save up to 45% on your auto insurance and up to 34% on your home insurance when you bundle policies, according to farmers.

How much does Farmers home insurance cost in Utah?

The average Utah home insurance policy through Farmers is $811 per year.

In comparison, the average cost of home insurance in Utah is $894 per year, according to sample quotes provided to Policygenius from Quadrant Information Services. This is much less than the national average of $1,754 per year.

How to get a quote

Online through Farmers

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2024 Policygenius award winner

American Family

American Family home insurance

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Offers flood insurance

Bundle home & auto

Why we chose itchevron icon

American Family home insurance has industry-best coverage options, high customer service ratings, and several discounts to compliment its already affordable rates, making it a great option in the 19 states where it’s available.

Pros and conschevron icon

Pros

  • Affordable rates and 11 available discounts

  • Ranked #2 in J.D. Power’s 2022 U.S. Home Insurance Study

  • Diminishing deductible feature to lower out-of-pocket claim costs

Cons

  • Only available in 19 states

  • Offers online quotes, but requires talking to an agent to complete the process

More detailschevron icon

Why American Family is one of our top picks

When it comes to both the breadth and quality of home insurance policy options, there are few companies in the same league as American Family.

Choose from three comprehensive policy tiers with various levels of protection, or customize a policy to your liking with up to 15 additional coverage options, including inland flood, equipment breakdown, and service line coverage.

We especially like its rare diminishing deductible feature that takes $100 off your policy deductible each year you go without filing a claim — a perk few competitors offer.

While it only writes homeowners insurance in 19 states, American Family is the seventh largest home insurer in the United States — which indicates it’s a popular option in the places it operates.

How much does American Family home insurance cost?

The average American Family home insurance policy in Utah is $620 per year, significantly less than the state average.

In comparison, the average cost of home insurance in Utah is $894 per year, according to sample quotes provided to Policygenius from Quadrant Information Services.

How to get a quote

Online with American Family agent

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2024 Policygenius award winner

Allstate

Allstate logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.4

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Smart home discounts

All 50 states

Why we chose itchevron icon

Whether you’re looking for bare-bones coverage on the cheap or a more comprehensive policy package with additional coverages and features like short-term rental coverage and deductible rewards, you’ll likely be able to find it with Allstate.

Pros and conschevron icon

Pros

  • High-quality and flexible policy options

  • Numerous discounts and features that help you save

  • Below-average customer complaints

Cons

  • No longer sells home insurance policies in California

  • Below-average digital experience rating with J.D. Power

More detailschevron icon

Why Allstate is one of our top picks

If you rent out your property through a short-term rental service like Airbnb and a guest destroys or steals your property, Allstate’s HostAdvantage will pay up to $10,000 per rental host period to replace or repair your property.

And the best part? This coverage can be added directly onto your home insurance policy for a small additional fee. To put this into context, only about one-third of the nearly 70 home insurance companies we reviewed even offer home-sharing coverage at all.  

How much does Allstate home insurance cost compared to the Utah average?

The average cost of an Allstate home insurance policy in Utah is $1,456 per year.

In comparison, the average cost of home insurance in Utah is $894 per year, according to sample quotes provided to Policygenius from Quadrant Information Services.

How to get a quote

Online through Policygenius or Allstate, or by contacting a local Allstate agent.

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.

Compare home insurance rates in Utah

How much is homeowners insurance in Utah?

The average cost of homeowners insurance in Utah is $894 per year, or $75 a month, for an insurance policy with $300,000 in dwelling coverage. This means insurance in Utah is much less expensive than the national average cost of $1,754 per year.

Utah homeowners insurance rates by city

Home insurance rates can vary substantially depending on which city you live in, as homes in certain Utah neighborhoods may be more prone to extreme weather damage or property crime than others.

Here’s a look at the average cost of home insurance in the 20 largest cities in Utah.

City

Average monthly cost

Average annual cost

Difference from state average (%)

Salt Lake City

$75

$899

1%

West Valley City

$73

$880

-2%

West Jordan

$71

$849

-5%

Provo

$74

$889

-1%

St. George

$70

$843

-6%

Orem

$74

$882

-1%

Sandy

$73

$875

-2%

Ogden

$75

$900

1%

Lehi

$72

$861

-4%

South Jordan

$71

$849

-5%

Layton

$74

$882

-1%

Millcreek

$74

$885

-1%

Herriman

$71

$851

-5%

Taylorsville

$71

$855

-4%

Logan

$73

$870

-3%

Eagle Mountain

$73

$874

-2%

Draper

$74

$886

-1%

Murray

$72

$861

-4%

Saratoga Springs

$71

$850

-5%

Riverton

$71

$855

-4%

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Utah homeowners insurance rates by coverage amount

The table below highlights the average annual premium in Utah for five different levels of dwelling coverage, which is the part of your policy that covers structural damage to your home.

Generally speaking, more dwelling coverage means higher homeowners insurance rates, as shown in the table below.

Dwelling coverage limit

Average annual cost

$100,000

$488

$200,000

$696

$300,000

$894

$400,000

$1,109

$500,000

$1,349

Compare home insurance rates in Utah

Cheapest homeowners insurance companies in Utah

Looking at average home insurance costs for the 15 most popular insurers in Utah, we found that the cheapest homeowners insurance companies in Utah are American Family, Sentry, and Mutual of Enumclaw Insurance.

Company

Average annual cost

American Family

$620

Sentry

$658

Mutual of Enumclaw Insurance

$709

Kemper

$711

Farmers

$811

Nationwide

$829

Acuity

$919

Farm Bureau Insurance

$975

Auto-Owners Insurance

$999

State Auto

$1,015

Foremost

$1,074

State Farm

$1,092

USAA

$1,197

Allstate

$1,456

Collapse table

Cheapest Utah homeowners insurance if you have poor credit

If you have a poor credit score, your homeowners insurance rates will be higher. Insurance companies charge higher premiums to homeowners with lower credit scores because they believe these policyholders are more likely to make future claims.

Company

Average annual cost

Kemper

$1,037

American Family

$1,073

Mutual of Enumclaw Insurance

$1,115

Nationwide

$1,146

Sentry

$1,352

Acuity

$1,372

Farm Bureau Insurance

$1,586

Farmers

$1,622

Foremost

$1,640

USAA

$1,722

State Farm

$1,855

State Auto

$1,937

Allstate

$2,141

Auto-Owners Insurance

$9,658

Collapse table

Cheapest Utah homeowners insurance if you have an older home

Older and historic homes are usually more expensive to insure than newer homes. Insurers consider them a higher risk because they can be fragile, their construction materials may be obsolete, and certain structural components like the roof or plumbing may not be in good shape or up to current-day code.

Here are the cheapest home insurance options in Utah for a 50-year-old home.

Company

Average annual cost

American Family

$619

Sentry

$674

Mutual of Enumclaw Insurance

$732

Nationwide

$769

Farmers

$794

Acuity

$891

Auto-Owners Insurance

$970

Kemper

$988

Farm Bureau Insurance

$998

Foremost

$1,045

State Auto

$1,064

State Farm

$1,091

USAA

$1,239

Allstate

$1,489

Collapse table

Cheapest Utah homeowners insurance if you have a history of claims

One of the biggest factors that plays a role in your home insurance premium is your claims history. You'll typically pay more for home insurance if you have multiple claims on your record, since insurers perceive you as posing a greater risk of filing more claims later on.

Here are the cheapest home insurance companies in Utah for a homeowner with three claims within a five-year period.

Company

Average annual cost

Mutual of Enumclaw Insurance

$992

Auto-Owners Insurance

$999

Farmers

$1,080

Sentry

$1,091

State Farm

$1,244

American Family

$1,248

Nationwide

$1,509

Acuity

$1,573

Farm Bureau Insurance

$1,674

USAA

$1,751

State Auto

$2,180

Kemper

$2,473

Allstate

$2,524

Foremost

$3,101

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How to buy home owners 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:

6 steps to buying home insurance in Utah

  1. 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. 

  2. 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. 

  3. 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.

  4. 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.

  5. 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. 

  6. 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. 

Compare home insurance rates in Utah

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.

Author

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Pat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

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