Utah homeowners pay rates well below the national average. MoneyGeek analyzed premiums, J.D. Power satisfaction scores and coverage options from major insurers to find the best home insurance companies in Utah.
Best Homeowners Insurance Companies in Utah
Updated: January 29, 2026
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Utah's Top Home Insurance Companies: Key Takeaways
American Family is the best home insurance provider in Utah with a score of 4.5 out of 5 from our review team.
USAA, State Farm, Farmers and Auto-Owners high for homeowners insurance in Utah based on reliable coverage, customer service and competitive rates.
The best insurer for your home depends on your coverage needs, budget and preferred features like claims service or discount availability.
What Are the Best Home Insurance Companies in Utah?
American Family ranks first among Utah homeowners for its strong coverage and customer experience, while offering the state's lowest premiums. USAA, State Farm, Farmers and Auto-Owners complete the top five, excelling in areas like military-focused service, premium coverage quality and local agent networks.
American Family | 4.5 | $1,243 | Most Utah homeowners |
USAA | 4.8 | $1,238 | Military families |
State Farm | 4.5 | $1,123 | Coverage quality |
Farmers | 4.5 | $826 | Affordable rates |
Auto-Owners | 4.2 | $2,348 | Customer experience |
*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 profile.
**Although USAA earned the highest score, we didn't rank it No. 1 due to its eligibility requirements.
American Family Insurance
MoneyGeek Rating
4.5/ 5
4.7/5Affordability
4.4/5Customer Experience
3.8/5Coverage
J.D. Power Customer Satisfaction Score
643/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$1,243Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
USAA
MoneyGeek Rating
4.8/ 5
4.7/5Affordability
5/5Customer Experience
5/5Coverage
J.D. Power Customer Satisfaction Score
737/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$1,238Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
State Farm
MoneyGeek Rating
4.5/ 5
4.8/5Affordability
4.2/5Customer Experience
4/5Coverage
J.D. Power Customer Satisfaction Score
657/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$1,123Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
Farmers
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.1/5Customer Experience
3.1/5Coverage
J.D. Power Customer Satisfaction Score
631/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$826Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
Auto-Owners
MoneyGeek Rating
4.2/ 5
4.1/5Affordability
4.5/5Customer Experience
3.7/5Coverage
J.D. Power Customer Satisfaction Score
621/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$2,348Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
Best Utah Home Insurance by City
American Family offers the lowest rates in four Utah cities: Bountiful, Mexican Hat, Veyo and West Jordan. State Farm leads in three cities: Provo, Salt Lake City and West Valley City.
| Bountiful | American Family | $1,221 |
| Mexican Hat | American Family | $1,207 |
| Provo | State Farm | $1,117 |
| Salt Lake City | State Farm | $1,127 |
| Veyo | American Family | $1,169 |
| West Jordan | American Family | $1,224 |
| West Valley City | State Farm | $1,127 |
Cheapest Utah Home Insurance Companies
Utah homeowners pay $1,454 annually for home insurance, 58% less than the national average of $3,467. Farmers offers the state's most affordable home insurance at $826 annually, 43% below the state average. State Farm ranks second at $1,123 per year, 23% below the state average. Premiums vary among insurers. Auto-Owners represents the high end, charging 32% more than the national average.
Guide to Finding the Best Utah Home Insurance Company
Compare multiple providers based on your coverage needs, budget and service preferences.
Compare Quotes Strategically
Gather quotes from three to five insurers since annual premiums among Utah's top providers range from $826 to $2,348. Don't just shop by price. The cheapest policy might leave coverage gaps when you file a claim after severe weather or other covered losses.
Check Customer Satisfaction Metrics
Examine complaint ratios through the Utah Department of Insurance and review J.D. Power scores, which range from 621 to 737 among Utah's leading insurers versus the 642 industry average. Focus on recent customer reviews about claims handling during Utah's hailstorm season rather than just policy purchase experiences.
Evaluate Coverage Needs
Base your coverage on replacement cost rather than market value, especially important in Utah, where construction costs surge after hailstorms and flooding. Review extended or guaranteed replacement cost options along with optional protections like wind/hail coverage and flood insurance that address your home's specific risks.
Match Service Preferences to Provider Strengths
Digital-first insurers like Lemonade, Hippo and Root work well if you prefer online policy management, while State Farm, Farmers and Allstate offer strong local agent networks for face-to-face support. Align your preferences to avoid paying premium prices for services you won't use.
UTAH HOME INSURANCE RISKS
In 2022, Utah experienced over 1,000 flood-related claims, highlighting flooding as the most common weather-related threat according to the Insurance Information Institute. While standard homeowners insurance covers many types of damage, it doesn't cover flood damage. You'll need separate flood insurance coverage through your insurer or the National Flood Insurance Program to protect against this major risk.
Top-Rated Home Insurance Companies in Utah: FAQ
Explore our FAQ section for answers to common questions about selecting the right Utah home insurance provider for your needs.
Do I need separate earthquake insurance in Utah?
Standard homeowners insurance doesn't cover earthquake damage, and Utah sits in a seismically active region. State Farm and Farmers both offer optional earthquake coverage as add-ons to protect against this Utah-specific risk.
Can I get home insurance if I have a trampoline or swimming pool?
You can get home insurance with a trampoline or swimming pool, but insurers view these features as liability risks. Most companies will require higher premiums and specific safety measures like nets and padding for trampolines, plus fencing and self-closing gates for pools. Some insurers may exclude coverage entirely or demand additional liability protection. You'll need adequate liability coverage of at least $300,000 to protect yourself from potential accidents properly.
Does standard homeowners insurance cover flood damage in Utah?
No, standard homeowners policies exclude flood damage, and Utah experienced over 1,000 flood-related claims in 2022 alone. You'll need separate flood insurance through your insurer or the National Flood Insurance Program to protect against this common Utah weather risk.
What's the difference between replacement cost and actual cash value coverage?
Replacement cost coverage pays to rebuild your home or replace belongings at current market prices without factoring in depreciation. Actual cash value coverage deducts depreciation based on your property's age and condition, resulting in lower claim payments. While actual cash value policies cost less upfront, you'll pay more out of pocket when filing a claim.
Our Methodology: Determining the Best Utah Home Insurers
Utah homeowners deal with tornado risks, hurricane exposure and fluctuating construction costs. Our ranking system weighs affordable premiums, quality coverage and reliable claims handling.
We scored insurers across three factors:
Affordability (55%): We compared rates for identical coverage across major providers and evaluated discount availability.
Customer satisfaction (30%): J.D. Power ratings, Trustpilot reviews and app feedback reveal how insurers handle claims after storms damage your home.
Coverage options (15%): We assessed add-on availability, including water backup protection and inland flood options for Utah's risks.
Our Sample Profile
Rates reflect a homeowner aged 41-60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible.
Your rates will vary based on your home's age, location, claims history and credit score.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Insurance Information Institute. "Insurance Information Institute." Accessed February 7, 2026.