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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
The average cost of home insurance in Utah is $1,548 per year for a standard home insurance policy with $300,000 in dwelling coverage and a $1,000 deductible, according to Insurify data. For comparison, the national average annual cost for the same policy is $2,544.
While home insurance in Utah is relatively affordable, nearly 60,000 structures are at high risk of wildfire, which can drive up the cost of a policy.[1]
Here’s what else you should know about home insurance companies in Utah, including how to compare quotes to find the best policy for your needs.
Allstate, American Family, and USAA are three of the best home insurance companies in Utah.
Foremost is the cheapest home insurance company in Utah, with an average monthly rate of $64 for a $300,000 dwelling coverage policy.
Wildfires can result in flood damage, for which you’ll need separate flood insurance from the National Flood Insurance Program or a private insurance company.
Best home insurance companies in Utah
Utah homeowners have plenty of excellent home insurance companies to choose from, but some stand out from the rest. The best homeowners insurance company for you will depend on your home, budget, and insurance needs.
We selected five of the best home insurance companies in Utah for various kinds of homeowners as a starting point for your insurance search.
Allstate: Best overall
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A- |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $105/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $168/mo |
Allstate is one of the largest insurance companies in the U.S. It offers affordability, reliability, and numerous coverages and add-ons. It covers all the standard home insurance perils, and you can buy flood insurance through the National Flood Insurance Program (NFIP) with an Allstate insurance agent. It’s a good choice for homeowners looking for a solid insurer.
Affordable rates
Assists with flood insurance purchase
AM Best financial strength rating of A+ (Superior)
More complaints than expected on the National Association of Insurance Commissioners (NAIC) complaint index
Low Trustpilot rating
Below-average J.D. Power customer satisfaction rating[2]
Farmers: Best for affordability
affordability
Farmers
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $69/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $119/mo |
Farmers is the best insurer for Utah homeowners looking for affordable rates, as it offers some of the cheapest average premiums in the state. It also has a variety of coverages and home insurance discounts, making it a good choice for many different types of homeowners.
Some of the most affordable rates in Utah
Numerous discounts and coverage options
Offers guaranteed replacement cost coverage
More complaints than expected on the NAIC complaint index
Low Trustpilot rating
Below-average J.D. Power customer satisfaction rating
Auto-Owners: Best for flood insurance
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $246/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $382/mo |
Auto-Owners is the best home insurance company in Utah for homeowners looking for private flood insurance. Most insurers either offer flood coverage through a separate insurer or the NFIP, but Auto-Owners is one of the few to offer its own policies. While it has some mixed customer sentiment, it has strong financial strength, which indicates reliability to pay out claims.
Offers private flood insurance
Fewer complaints than expected on the NAIC complaint index
AM Best financial strength rating of A+ (Superior)
Higher rates than most other insurers
Low Trustpilot rating
Below-average J.D. Power customer satisfaction rating
American Family: Best for customer service
customer service
American Family
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.6/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $81/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $107/mo |
American Family is the best home insurance company in Utah for customer service. It excels in nearly every major customer satisfaction rating, including J.D. Power, Trustpilot, and the NAIC. Though it has higher average rates than some competitors, American Family is a great choice for policyholders who want good customer service.
High Trustpilot rating
Fewer complaints than expected on the NAIC complaint index
Above-average J.D. Power customer satisfaction rating
Higher rates than some competitors
Not available in every U.S. state
Lower AM Best financial strength rating than some competitors
USAA: Best for veterans, military, and their families
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $100/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $138/mo |
USAA is the best home insurance company for Utah’s active-duty military members, 140,000 veterans, and their family members.[3] It offers unique types of coverage and discounts for its members, as well as exclusive perks. It also ranks highly for customer satisfaction and financial strength.
AM Best financial strength rating of A++ (Superior)
Fewer complaints than average with the NAIC
Above-average J.D. Power customer satisfaction rating
Available only to military members and eligible family
Low Trustpilot rating
Higher rates than some competitors
Our editorial team analyzed dozens of regional and national home insurance companies that sell policies in Utah to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Cheapest home insurance in Utah
Foremost is the cheapest home insurance company in Utah, on average, but the cheapest company for you may be different.
The table below shows how average premiums vary by company for policies with $300,000 in dwelling coverage and a $1,000 deductible.
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Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Insurance Company | Average Annual Premium |
|---|---|
| Foremost | $847 |
| Farmers | $913 |
| Travelers | $1,046 |
| American Family | $1,072 |
| USAA | $1,324 |
| Allstate | $1,390 |
| Nationwide | $1,589 |
| State Farm | $1,827 |
| Encompass | $1,893 |
| Auto-Owners | $3,256 |
Find Home Insurance in Utah
Insurify partners with top insurers for accurate quotes
How much does homeowners insurance cost in Utah?
Utah home insurance costs an average of $129 per month for a standard home insurance policy with $300,000 in dwelling coverage and a $1,000 deductible. The average annual cost is $1,548 for the same amount of coverage.
Your exact rate will vary depending on several risk factors, including the following:
Wildfire risk
Insurers consider your home’s risk of wildfire damage and factor that into your premiums.
Flood risk
If your home is in a flood zone, it’s a good idea to get a separate flood insurance policy.
Home age and construction type
The older your home is, the more expensive it will likely be to insure. If your home uses durable or more fireproof materials, you may pay lower rates.
Deductible
The higher your deductible is, the lower your premium will be, and vice versa.
Credit and claims history
Insurers consider both your credit and claims history when determining your likelihood of filing future claims and use this information to set rates.[4]
Cheapest home insurance companies in Utah by dwelling coverage
Dwelling coverage is the primary home insurance coverage, protecting your home’s structure. Check out the table below to see how homeowners insurance rates can vary by company and dwelling coverage amount. The average annual premiums reflect costs for policies with a $1,000 deductible.
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Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Insurance Company | Average Annual Premium |
|---|---|
| Foremost | $556 |
| Farmers | $596 |
| Travelers | $728 |
| American Family | $847 |
| Allstate | $913 |
| USAA | $1,059 |
| Nationwide | $1,218 |
| State Farm | $1,430 |
| Encompass | $1,469 |
| Auto-Owners | $2,356 |
)
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
Featured in
Insurance Company | Average Annual Premium |
|---|---|
| Foremost | $847 |
| Farmers | $913 |
| Travelers | $1,046 |
| American Family | $1,072 |
| USAA | $1,324 |
| Allstate | $1,390 |
| Nationwide | $1,589 |
| State Farm | $1,827 |
| Encompass | $1,893 |
| Auto-Owners | $3,256 |
)
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
Featured in
Insurance Company | Average Annual Premium |
|---|---|
| Foremost | $1,377 |
| American Family | $1,416 |
| Farmers | $1,575 |
| Travelers | $1,681 |
| USAA | $1,827 |
| Nationwide | $2,144 |
| Allstate | $2,224 |
| State Farm | $2,528 |
| Encompass | $2,581 |
| Auto-Owners | $5,057 |
)
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
Featured in
Insurance Company | Average Annual Premium |
|---|---|
| American Family | $1,867 |
| Foremost | $2,092 |
| Farmers | $2,317 |
| USAA | $2,409 |
| Travelers | $2,489 |
| Nationwide | $2,727 |
| State Farm | $3,296 |
| Allstate | $3,349 |
| Encompass | $3,349 |
| Auto-Owners | $7,320 |
Utah homeowners insurance cost by city
Homeowners insurance rates in Utah vary by town and even ZIP code, as every area has unique risk factors, such as wildfire and flood risk, vandalism, property damage, burglary, and even proximity to the nearest fire station.
Take a look at the table below to see just how much average premiums cost from city to city.
)
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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City | Average Annual Premium: With $300,000 in Dwelling Coverage |
|---|---|
| Ogden | $1,524 |
| Salt Lake City | $1,560 |
| Provo | $1,572 |
What homeowners should know about insurance in Utah
Homeowners in Utah should understand the state’s unique climate, geography, and natural disasters and how they affect home insurance. Utah has wildfires and flooding, and the flooding is often a side effect of wildfires. The state also experiences earthquakes, which can cause damage that standard home insurance doesn’t cover.
Flooding
Flooding is the most common risk homeowners in Utah face, with roughly 465,000 structures at risk for flooding, which can occur after wildfires.[5] A standard home insurance policy won’t cover flood damage, so you’ll want to purchase a separate flood insurance policy. You can buy flood insurance through private insurers or the National Flood Insurance Program (NFIP).
Wildfires
Wildfires are one of the biggest risks for homes in Utah, with almost 60,000 structures at high risk. While standard home insurance covers fire damage, some insurance companies may charge you much higher rates, require you to purchase additional coverage, or even refuse to offer coverage.
If your home is in a particularly high-risk wildfire zone, you may need to use a specialized broker or upgrade your home with fire-resistant features.
Earthquakes
Utah experiences hundreds of small earthquakes each year, which homeowners should be aware of. Just as with floods, standard policies won’t cover earthquake damage, so you’ll need separate earthquake coverage. Earthquake insurance can be expensive, as insurers can’t spread risk across the nation because earthquakes aren’t a common peril.
How much homeowners insurance do you need in Utah?
While Utah doesn’t require homeowners to carry home insurance, it’s a good idea to buy it. And if you have a mortgage, your mortgage company will likely require you to purchase it anyway. Before you sign a policy, make sure you understand exactly what your home insurance covers. How much coverage you need depends on your home’s characteristics and insurance needs.
Your dwelling coverage amount should be enough to repair or replace your home. You can figure out how much you’ll need by considering your home’s square footage and construction costs in your area. For personal property coverage, take a home inventory to understand how much it’d cost to replace your personal belongings.
When it comes to personal liability coverage, the Insurance Information Institute recommends buying $300,000 to $500,000.[6] If your home is in a flood zone, you should buy a separate flood insurance policy or a water backup endorsement, as a standard homeowners insurance policy won’t cover flood damage.
Shop for Utah Home Insurance
Monthly insurance premiums start at $64 for standard coverage
How to contact the Utah Insurance Department
The Utah Insurance Department regulates the state’s insurance market to protect Utah residents. It offers information services, handles complaints, and investigates potential insurance fraud, among other things.
You can get in touch with the Utah Insurance Department in the following ways:[7]
How to Contact | Contact Information |
|---|---|
| Phone | 1 (801) 957-9200 or 1 (800) 439-3805 (toll-free) |
| [email protected] | |
| Fax | (385) 465-6047 |
| Mailing address | 4315 S. 2700 W. Suite 2300 Taylorsville, UT 84129 |
Utah homeowners insurance FAQs
Take a look at the following answers to some of the most commonly asked questions about Utah home insurance.
How much is home insurance in Utah?
The average cost of homeowners insurance in Utah is $1,548 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, Insurify data shows.
Which company has the cheapest homeowners insurance in Utah?
Foremost has the cheapest homeowners insurance in Utah, with an average rate of $64 per month.
Does Utah require homeowners insurance?
No. Utah doesn’t legally require homeowners insurance, but it’s a good idea to buy it regardless. If your home is damaged or needs to be rebuilt, you’d be on the hook for the costs if you didn’t have an insurance policy in place. If you have a mortgage, your mortgage lender will likely require you to purchase it to protect its investment.[8]
How can you lower your home insurance premiums in Utah?
You can lower your home insurance premiums in Utah in several ways. You can save by increasing your deductible, bundling with your car insurance, and removing coverage you don’t need. You can also save by improving your home’s security, maintaining good credit, and comparing home insurance quotes from multiple companies before buying a policy.
How much is homeowners insurance for a $500,000 house?
Homeowners insurance for a $500,000 house costs an average of $3,876 annually in the U.S. The average cost of the same policy in Utah is $2,316 per year. But your exact rates will vary based on your home’s size, policy limits, your area’s risk factors, and more.
Which company has the best homeowners insurance in Utah?
No single insurance company offers the best homeowners insurance in Utah for all homeowners, but a few stand out. Allstate, American Family, and USAA are three of the best home insurance companies in Utah. But they aren’t necessarily the best for you, so it’s crucial to get a homeowners insurance quote from multiple companies.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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What Happens If You Can’t Get Home Insurance?
Sources
- Utah News Dispatch. "Utah to start assessing fees on properties in ‘high risk’ wildfire areas to encourage prevention."
- J.D. Power. "Homeowners Insurance Premium Increases Threaten Customer Loyalty, Long-Term Profitability, J.D. Power Finds."
- Utah Department of Veterans and Military Affairs. "Community Member."
- Utah Insurance Department. "Why Is My Home Insurance Premium Increasing?."
- Utah Floodplain and Stormwater Management Association. "Flood Risk and Safety in Utah."
- Insurance Information Institute. "How much homeowners insurance do I need?."
- Utah Insurance Department. "Contact Us."
- Utah Insurance Department. "Home, Condo & Renter Insurance."
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Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Danny has been a contributor at Insurify since March 2022.
)
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
)
)
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
Featured in