Farmers is Utah's best home and auto bundle insurer, earning a 4.82 out of 5 MoneyGeek score and an annual bundled premium of $2,427. I analyzed 660 quotes across 11 Utah ZIP codes, weighing affordability, customer satisfaction and coverage quality to build these rankings. While State Farm offers the highest bundle discount at 20%, saving policyholders $1,033 per year, its total bundled premium of $4,076 is still $1,649 more than Farmers' annual rate. For Utah homeowners considering home and auto insurance bundles, comparing total premium costs alongside discount percentages is the most reliable way to find the best value.
Best Home and Auto Insurance Bundle in Utah
Updated: May 6, 2026
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Key Takeaways
Farmers earns the top spot in Utah with a 4.82 out of 5 MoneyGeek score and an annual bundled premium of $2,427, making it both the highest-rated and most affordable option in the state.
State Farm offers the largest bundle discount in Utah at 20%, translating to $1,033 in annual savings, the highest dollar savings of any insurer analyzed. Farmers ranks above State Farm since it has the highest MoneyGeek score.
A bigger bundle discount does not guarantee the lowest total bill. State Farm's 20% discount still results in an annual bundled premium of $4,076, while Farmers' 17% discount yields a far lower $2,427 total, which is nearly $1,649 less per year.
Best Home and Auto Insurance Bundle in Utah
| Farmers | 4.82 | $2,427 | 17% |
| Allstate | 4.66 | $2,976 | 11% |
| Nationwide | 4.63 | $3,047 | 12% |
| State Farm | 4.62 | $4,076 | 20% |
| Farm Bureau | 4.45 | $3,350 | 13% |
To learn more about how I rank the top home and auto insurance bundles, see our methodology.
Top 3 Home and Auto Bundle Companies in Utah
The three top-ranked home and auto bundle providers in Utah are Farmers, Allstate and Nationwide. Farmers leads on both price and composite score, offering the lowest annual bundled premium at $2,427 and a 17% discount. Allstate ranks second with a $2,976 annual bundle and strong coverage scores. Nationwide rounds out the top three with a $3,047 annual premium and solid customer satisfaction marks. Utah's rapidly growing Wasatch Front metro areas are pushing rebuilding costs higher, and wildfire exposure in foothill communities has led some insurers to restrict homeowners policies, which helps explain why providers with broad Utah underwriting capacity like these three rank highly.
Farmers
MoneyGeek Rating
4.8/ 5
5/5Affordability
3.7/5Customer Experience
4.4/5Coverage
Annual Bundle Premium
$2,427Monthly Bundle Premium
$202Bundle Savings
17%
Allstate
MoneyGeek Rating
4.7/ 5
4.1/5Affordability
3.5/5Customer Experience
3.8/5Coverage
Annual Bundle Premium
$2,976Monthly Bundle Premium
$248Bundle Savings
11%
Nationwide
MoneyGeek Rating
4.6/ 5
4/5Affordability
3.7/5Customer Experience
3.5/5Coverage
Annual Bundle Premium
$3,047Monthly Bundle Premium
$254Bundle Savings
12%
Cheapest Home and Auto Bundle in Utah
Farmers offers the cheapest home and auto bundle in Utah at $2,427 per year, saving policyholders $514 annually compared to buying homeowners and car insurance policies separately. While State Farm provides the largest dollar savings at $1,033 per year through its 20% bundle discount, its total annual bundled premium of $4,076 is $1,649 more than Farmers' rate, which confirms that a bigger discount does not always mean a lower bill.
| Farmers | $2,427 | $514 |
| Allstate | $2,976 | $375 |
| Nationwide | $3,047 | $400 |
| Farm Bureau | $3,350 | $520 |
| State Farm | $4,076 | $1,033 |
Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.
Companies Offering the Biggest Bundle Discount in Utah
State Farm offers the largest bundle discount in Utah at 20%, saving policyholders $1,033 per year, which is the highest dollar savings among all analyzed providers. But Farmers saves $514 annually with a 17% discount while offering a total bundled premium of $2,427, compared to State Farm's $4,076. For Utah homeowners, the main takeaway is that a 20% discount on a high base premium can still result in a larger total bill than a 17% discount on a lower-priced policy.
| State Farm | 20% | $1,033 | $4,076 |
| Farmers | 17% | $514 | $2,427 |
| Farm Bureau | 13% | $520 | $3,350 |
| Nationwide | 12% | $400 | $3,047 |
| Allstate | 11% | $375 | $2,976 |
Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.
FINDING HOME AND AUTO BUNDLE INSURANCE IN UTAH
Wildfire exposure along the Wasatch Front foothills and in southern Utah communities has led some insurers to restrict or not renew homeowners policies in high-risk areas, so confirming that a provider actively writes in your ZIP code before committing to a bundle is worth doing. All five providers in my Utah analysis are actively writing both home and auto policies in the state.
Utah also sits in a seismically active zone, and standard homeowners policies exclude earthquake damage; Wasatch Front policyholders should consider purchasing a separate earthquake policy in addition to their bundle.
How to Get Cheap Home and Auto Bundle Insurance in Utah
Utah home insurance premiums are increased by two primary factors: wildfire exposure in Wasatch Front foothill communities and southern Utah, and rapid population growth in the Salt Lake City and Utah County metro areas that is pushing rebuilding costs and therefore home premiums higher.
- 1
Choose a Higher Deductible
Raising your home deductible from $500 to $1,000 can lower your annual home premium, and similarly, your comprehensive and collision deductibles for car insurance. Before making the switch, confirm you have sufficient cash reserves to cover the higher out-of-pocket cost if you need to file a claim. The savings are only worthwhile if you can absorb the deductible without financial hardship.
- 2
Try a Telematics Auto Program
Telematics programs track driving behaviors like speed, hard braking and mileage and can reduce your auto premium based on safe driving habits. Nationwide's SmartRide program and Farmers' Signal app are two confirmed options available to Utah policyholders. These telematics savings stack on top of your bundle discount, meaning you can lower your auto premium further while still benefiting from the multi-policy discount.
- 3
Add Fire-Resistant Home Features
Wildfire risk in Wasatch Front foothill communities and southern Utah is the primary driver of increased home premiums in the state, and rapid population growth is pushing rebuilding costs higher. Installing fire-resistant roofing, ember-resistant vents, defensible space landscaping and Class A fire-rated materials can qualify your home for insurance discounts with several carriers. Earthquake coverage is not part of a standard home and auto bundle; Utah's seismic activity along the Wasatch Fault means a separate earthquake policy is worth considering for most Wasatch Front homeowners.
- 4
Compare Quotes When Your Policy Renews
My Utah data shows a spread of nearly $1,649 per year between the cheapest bundled option (Farmers at $2,427) and the most expensive (State Farm at $4,076). Comparing bundled quotes at renewal takes less time than most homeowners expect and can produce savings that rival or exceed any single discount program, making it one of the most effective steps a Utah policyholder can take.
Home and Auto Bundle Insurance in Utah: FAQ
Does Utah's wildfire and earthquake risk affect home and auto bundle rates?
Yes. Utah's wildfire exposure in Wasatch Front foothill communities and southern Utah contributes to increased home premiums, and my analysis of 660 quotes across 11 Utah ZIP codes shows variation in home-side pricing that reflects these risks. Earthquake damage is excluded from standard homeowners policies, so Wasatch Front policyholders bundling home and auto coverage should also consider purchasing a separate earthquake policy to get complete protection.
Should I bundle home and auto insurance in Utah?
Bundling home and auto insurance in Utah can save you between $375 and $1,033 per year depending on the provider, based on my analysis. The bundle discount also simplifies policy management by consolidating both policies with a single insurer. For most Utah homeowners, bundling is worth considering, but always compare total bundled premiums, not just discount percentages, to get the best value.
What's the difference between a bundle discount and actual bundle savings?
A bundle discount is the percentage reduction applied to your combined premiums when you purchase home and auto policies together, while actual bundle savings is the dollar amount you save compared to buying the policies separately. In Utah, State Farm offers the highest discount at 20%, producing $1,033 in annual savings, but its total bundled premium of $4,076 is still the most expensive option analyzed. Farmers' 17% discount saves $514 per year while offering the lowest total premium at $2,427, illustrating why total cost matters more than discount percentage alone.
Does earthquake coverage need to be purchased separately in Utah?
Yes. Standard homeowners insurance policies in Utah, including those offered as part of a home and auto bundle, do not cover earthquake damage. Given Utah's location along the seismically active Wasatch Fault, homeowners in Salt Lake City, Provo and other Wasatch Front communities should consider purchasing a separate earthquake policy.
Which company has the best bundle in Utah for homeowners who want more coverage?
Farmers earns the highest bundled coverage score among Utah providers at 4.39 out of 5, making it the top choice for homeowners who prioritize coverage quality alongside affordability. Allstate follows with a bundled coverage score of 3.82, offering strong protection options including extended replacement cost. Both providers are actively writing home and auto policies across Utah ZIP codes, including in areas with increased wildfire or seismic risk.
MoneyGeek analyzed 660 quotes across 11 Utah ZIP codes to build the rankings on this page. Data sources include Quadrant Information Services, AM Best, J.D. Power and the Utah Insurance Department. Figures are averages and actual rates vary by ZIP code, claims history and individual profile.
For more details, see our auto insurance methodology.
This page was last reviewed and updated in 2026. MoneyGeek refreshes bundle rate data annually to reflect current market conditions in Utah.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!