In Utah, the top home insurance providers are American Family, State Farm, Nationwide, Farmers and Farm Bureau. American Family excels in affordability and customer service, while Nationwide offers the best coverage options. Compare all our top picks below.
Best Homeowners Insurance in Utah
Updated: June 22, 2025
Advertising & Editorial Disclosure
Key Takeaways
According to our 2025 research, the top three home insurance providers in Utah are American Family, State Farm and Nationwide.
American Family offers the best overall home insurance for most homeowners in Utah. For those with newer homes, State Farm could be a more suitable option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Utah?
| American Family | 93 | 1 | 1 | 3 |
| State Farm | 87 | 2 | 2 | 4 |
| Nationwide | 77 | 3 | 4 | 1 |
| Farmers | 70 | 4 | 3 | 5 |
| Farm Bureau | 67 | 5 | 5 | 2 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
While the best home insurance options are highlighted in our rankings, they may vary based on your property's needs. Below is a summary of top picks across key categories.
| American Family | 93 | Overall |
| American Family | 93 | Older Home |
| American Family | 93 | Newer Homes |
| American Family | 93 | High-Fire-Risk Areas |
| American Family | 93 | Bad Credit |
| American Family | 93 | With Claims History |
Best Utah Home Insurance by City
Home insurance provider rankings in Utah cities vary widely based on affordability, customer service and coverage options. For example, American Family is the best in Provo and West Jordan, while State Farm tops the list in Salt Lake City. Below, we've highlighted the top overall providers by city to help you choose the right option locally.
| Provo | American Family | 92 |
| Salt Lake City | State Farm | 92 |
| West Jordan | American Family | 93 |
| West Valley City | American Family | 92 |
American Family: Best for Affordability
As our top pick, American Family combines the state's best complaint record with innovative coverage features unavailable elsewhere. Its most unique option, diminishing deductible, automatically reduces your deductible by $100 each claim-free year, potentially eliminating deductibles entirely over time. Paired with competitive rates, comprehensive coverage options, and a 5th-place national ranking for claims satisfaction (J.D. Power), American Family delivers exceptional value.
Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
Claims History:1 claim in past 5 years
| Newer Homes | $64 | $770 |
| Newer Homes in High-Fire-Risk Areas | $64 | $770 |
| Older Homes in High-Fire-Risk Areas | $92 | $1,106 |
| Older Homes | $92 | $1,106 |
How to Find the Best Home Insurance in Utah
We've produced a step-by-step guide to help you confidently choose the coverage that suits your needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Think about your home's value, your personal belongings and local risk factors that might affect your coverage.
- 2
Research costs and discounts
Figure out how much home insurance costs in Utah to see if providers truly offer savings. Also, check for discounts you qualify for to maximize your savings.
- 3
Find the best providers for you
After researching coverage and costs, narrow your search for the best and cheapest home insurance in Utah. Use personal research to evaluate customer service ratings, pricing specific to your needs, and suitable coverage add-ons.
- 4
Compare multiple providers through all means
After your research is complete, compare providers to find the best option. You can compare quotes through various online estimates and those given by brokers or agents over the phone.
Best Homeowners Insurance in Utah: Bottom Line
American Family, State Farm, and Nationwide are the best homeowners insurance companies in Utah based on current analysis. While these are strong recommendations, researching and comparing providers will help you find the best fit for your needs.
Best Home Insurance in Utah: FAQ
To simplify your choice, we've answered questions about picking a home insurance provider in Utah
Which company is best for home insurance in Utah?
American Family is the best homeowners insurance provider in Utah owing to its top affordability, excellent customer service, and vast coverage options. State Farm, Nationwide, Farmers and Farm Bureau are also top-rated choices in Utah.
Who has the most affordable homeowners insurance in Utah?
Selecting the most affordable homeowners insurance in Utah depends on your individual profile and property details. The average annual cost of homeowners insurance in Utah is $650.
How do you get the best homeowners insurance in Utah?
To find the best home insurance in Utah, decide on your coverage needs, research costs and providers, and compare multiple options.
How We Decided the Best Home Insurance in Utah: Our Methodology
We rated the best homeowners insurance providers in Utah using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.