Updated: June 1, 2026
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Utah homeowners pay about $121 a month or $1,454 a year, ranking as the 41st most expensive state for home insurance.
Determine your coverage needs, gather multiple quotes and research providers to find the best home insurance in Utah at competitive rates.
MoneyGeek's free home insurance calculator below estimates your costs in seconds without requiring any personal information.
Utah's average home insurance premium costs $121 monthly or $1,454 annually. That's $168 less per month than the national average, making Utah the 41st most expensive state for home insurance coverage.
Our Utah home insurance calculator gives you a cost range based on your coverage preferences and location.
| Utah | $1,454 | $3,467 | -58% |
*These rates are for a frame construction home built in 2000 with $250,000 dwelling, $125,000 personal property, $200,000 liability coverage and a $1,000 deductible.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Jun 19, 2026
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Utah home insurance costs vary based on multiple factors. Your location, coverage limits, home construction materials, insurance company, credit score and claims history all influence your premium.
Utah homeowners insurance costs $880 to $4,183 per year, depending on your coverage choices. Higher coverage limits and lower deductibles push premiums up. Lower coverage amounts and higher deductibles bring them down.
| $100K Dwelling / $50K Personal Property / $100K Liability | $73 | $880 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $121 | $1,454 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $201 | $2,407 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $273 | $3,273 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $349 | $4,183 |
Home insurance costs change by city in Utah based on property values, home age and weather risks. Salt Lake City homeowners pay different rates than those in Provo or Ogden due to these local factors.
| Bountiful | $123 | $1,474 |
| Mexican Hat | $119 | $1,426 |
| Provo | $116 | $1,395 |
| Salt Lake City | $123 | $1,479 |
| Veyo | $129 | $1,548 |
| West Jordan | $119 | $1,426 |
| West Valley City | $122 | $1,468 |
Home insurance companies in Utah charge different rates. Auto-Owners averages $2,348 annually, nearly three times more than Farmers at $826 per year. Comparing providers saves you up to $1,522 annually on home insurance premiums.
| Farmers | $69 | $826 |
| State Farm | $94 | $1,123 |
| USAA | $103 | $1,238 |
| American Family | $104 | $1,243 |
| Nationwide | $112 | $1,349 |
| Allstate | $138 | $1,653 |
| Farm Bureau | $154 | $1,853 |
| Auto-Owners Insurance | $196 | $2,348 |
A home built in 2020 costs $1,096 a year to insure, reflecting updated electrical systems, modern roofing and current building code compliance. A 2000-built home costs $1,454 and a 1980-built home costs $1,471, which is $375 more annually than the newest homes because of aging infrastructure and higher maintenance exposure.
| Newer | $91 | $1,096 |
| Middle Age | $121 | $1,454 |
| Older | $123 | $1,471 |
Credit score affects home insurance costs in Utah. Insurers treat higher scores as lower risk, which lowers your premium. Annual rates range from $945 to $2,226 depending on your credit profile.
| Excellent | $79 | $945 |
| Good | $121 | $1,454 |
| Below Fair | $150 | $1,805 |
| Poor | $186 | $2,226 |
Utah is one of the most affordable states for home insurance. Average annual premiums of $1,454 are 58% below the national average of $3,467.
Stable weather, lower property values and fewer natural disaster claims than coastal states keep Utah rates down.
Utah's insurance market features strong competition among carriers, preventing any single company from dominating pricing. The National Association of Insurance Commissioners reports that over 2,038 domestic and licensed foreign insurers operate in the state, creating competitive pressure that benefits consumers. More insurers competing for business drives premium prices down through market forces.
While Utah experiences wildfires and occasional flash floods, the state has fewer devastating hurricanes, tornadoes and major storm systems than coastal or Plains states. According to the National Oceanic and Atmospheric Administration (NOAA), Utah had only 25 severe weather events recorded from 1980 to 2024 compared to Texas's 190 or Florida's 94. Fewer catastrophic claims translate directly to lower premiums statewide.
Utah's housing market, while growing, maintains more stable construction and labor costs than coastal metropolitan areas. Building materials and skilled labor remain more affordable in Utah compared to states like California or New York, reducing the replacement cost insurers must cover. When rebuilding costs less, insurance premiums follow suit.
Utah home insurance costs keep rising, but you can lower your premiums with these strategies for new buyers and current homeowners.
Calculate your home's replacement cost using current construction prices, not market value. List your belongings to figure out how much personal property coverage you need. Utah homeowners in areas like Salt Lake County should add water backup coverage, and those with valuable items like jewelry or electronics should look into scheduled personal property protection.
Use MoneyGeek's Utah home insurance calculator to get a baseline estimate before contacting insurers. When requesting quotes, note your home's protective features such as security systems, smoke detectors and storm shutters, since each one can qualify for a discount. Ask every insurer about claim-free discounts, which can cut premiums by 15% to 20% in Utah.
Get quotes from at least three companies, then check their complaint ratios through the Utah Insurance Department. Price matters, but how a company handles claims matters just as much. Saving $200 a year means nothing if your insurer delays claims or disputes legitimate damage assessments.
Combine home and auto insurance with the same provider to save 10% to 25% on both policies in Utah. Get bundled quotes from at least three insurers before deciding.
Installing a monitored security system or updating an older roof can qualify you for premium discounts. Avoid filing small claims when you can pay for minor repairs yourself. Each claim-free year helps keep your rate down. Improving your credit score from fair to good cuts premiums by about 19% across Utah insurers.
Standard Utah homeowners policies don't cover earthquake damage, but Utah sits in an active seismic zone. The Wasatch Fault runs through Salt Lake City, Provo and other major cities, putting many homeowners at moderate risk. An earthquake endorsement can add a few hundred dollars a year to your premium, depending on where you live and how your home is built. If you live near the Wasatch Front, it's worth getting a quote to see if the added cost fits your budget.
Utah homeowners insurance costs depend on many factors specific to your home and location. The FAQs below explain what affects your rates and help you understand potential expenses.
No. Lenders require it as a loan condition, but there's no Utah state law mandating coverage.
If you own outright, you can go without, but you'd be personally liable for fire, theft and liability losses. Most financial advisors recommend carrying coverage regardless.
Shopping around for home insurance in Utah can save you thousands of dollars each year. Farmers offers the most affordable coverage at $69 monthly, while Auto-Owners charges $196 per month for similar coverage.
Even mid-tier providers show price gaps: American Family costs $104 monthly compared to Nationwide's $112, creating an $8 monthly difference. Compare quotes from at least three insurers to find the best rate for your situation.
Panels permanently attached to your roof fall under dwelling coverage in most standard policies, up to your dwelling coverage limit. High-efficiency systems above $20,000 may exceed that limit and require a scheduled property endorsement. Confirm with your insurer before installation, not after.
Older homes in Utah cost 34% more to insure than newer properties. A home built in 2020 averages $1,096 annually, while an older home from 1980 costs $1,471 per year. That's a $375 difference. Middle-aged homes built in 2000 fall between these at $1,454 annually.
Insurance companies charge higher premiums for older homes because they carry greater risk. These properties often have outdated electrical wiring, aging plumbing systems, and worn roofing materials that are more likely to fail. When problems occur, repairs cost more since older homes may need specialized parts or construction methods to match original materials and building techniques.
You can lower your Utah home insurance costs in several ways. Shopping around matters since rates vary by thousands of dollars between insurers for identical coverage. Maintaining a claim-free record saves you $231 annually compared to filing one claim, or $426 yearly versus filing two claims in the past five years.
Raising your deductible from $500 to $1,000 reduces your annual premium by $106. While you'll pay more upfront when filing a claim, you'll save money over time.
Contact insurers about discounts for bundling policies, installing security systems or owning a newer home. Even small discounts reduce your annual premium.
MoneyGeek calculated Utah home insurance estimates using real rate data from major insurers.
The baseline profile is a standard Utah homeowner: $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and a $1,000 deductible. The model home was built in 2000 with frame construction and a composition roof, with no claims in the past five years. That profile reflects median home values across Utah and the most common home age in the state.
One factor changed at a time while all others stayed constant. To measure how home age affects rates, MoneyGeek compared homes built in 1980, 2000 and 2020 with identical coverage and homeowner details. That process isolates each factor's individual effect on the premium.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
