Average Cost of Homeowners Insurance in Utah (2025)

The average cost of homeowners insurance in Utah in 2024 is $1,168. This is $1,255 less than the national average of $2,423. Aside from the amount of coverage you get on your home, the insurance provider has the largest impact on premiums. In Utah, premiums vary by as much as $1,612 depending on the provider. If your rates have recently increased, our analysis of the cheapest policies in the state might offer more affordable options.

In Utah, homeowners pay an annual premium of $1,168 for policies with $250K Dwelling / $125K Personal Property / $200K Liability coverage. This amount is less than the national average home insurance rate of $2,423. Understanding how much coverage you need is important for adequate protection of your home and possessions.

Homeowners in Utah will find that insurance premiums can vary significantly among providers for comparable coverage. For instance, Farmers may offer a policy at a much lower rate than USAA; this reflects the diversity in pricing strategies and risk assessments by different insurers.

Utah has a variety of great providers; these differences in underwriting can lead to a wide range of premium costs for homeowners.

Homeowners in Utah with poor credit pay an average annual premium of $2,207 for homeowners insurance, which is $1,039 more than the state average of $1,168. Conversely, those with excellent credit enjoy a lower rate, averaging $964 annually, saving $204 compared to the state average. Improving your credit score is a long-term strategy to reduce insurance costs. In the interim, comparing insurers can lead to immediate savings. It takes less than 15 minutes to see which will save you the most.

The type of roof on your home influences your homeowners insurance premium in Utah. Homes with tile roofs are durable resulting in lower premiums. Shake-treated roofs, which may be less resilient to severe weather events, can lead to higher insurance costs.

Superior construction materials that are more resistant to hazards like fire could mean lower insurance rates.

Insuring a new construction home in Utah averages at $665 annually, which is less than the $1,168 average for existing homes.

Homeowners in Utah with a spotless claims record for over five years can expect an average annual premium of $1,168 for their homeowners insurance.

For the cities we analyzed, we found premiums ranging from $1,126 to $1,201. In Provo, homeowners pay an average of $1,166 annually, while Salt Lake City residents see slightly higher rates at $1,184. West Valley City tops the list with an average premium of $1,201. Location impacts premiums due to varying risks like crime rates and weather patterns. Comparatively, factors like the age of the home or roof type can also affect premiums, but the city's influence is significant.

Here's how to find the best deal for you.

Utah homeowners save $88 to $369 annually by bundling home and auto insurance, approximately 11% off combined policy costs.

Utah homeowners reduce premiums through multiple discounts. Ask insurers about these savings when getting quotes:

• Protective devices: Security systems or smoke detectors
• Claims-free: No claims filed in the past three to five years
• Roof upgrade: Impact-resistant roofing materials

See our complete home insurance discounts guide for more ways to save.

Review the following list to find more information on homeowners insurance in Utah.

• Utah Insurance Department: Official state resource for insurance regulations
• Affordable Home Insurance in Utah: Compare cost-effective coverage options
• Utah Homeowners Insurance Calculator: Estimate your insurance costs
• High-Risk Home Insurance Coverage: Insurance options for high-risk properties
• Top Home Insurance Options in Utah: Best insurance providers by category
• Personal Property Coverage Essentials: Protecting your belongings and valuables
• Report Insurance Fraud: Report suspected fraud to state authorities