Average Home Insurance Cost in Utah

Home insurance in Utah costs about $99 monthly or $1,187 annually on average. Homeowners pay $121 less per month, or $1,448 less annually, than the national average, making it the 8th most affordable state for home insurance.

*These rates represent a home built in 2000 out of frame with $250K Dwelling, $125K Personal Property, and $200K Liability coverage with a $1,000 deductible.

Your city affects home insurance costs through risk factors like property age, weather patterns and home values. For example, Provo averages $97 monthly while West Valley City reaches $100.

*These rates represent a home built in 2000 out of frame with $250K Dwelling, $125K Personal Property, and $200K Liability coverage with a $1,000 deductible.

Home insurance is expensive in Utah because of rising claims, high weather risks, increasing material and labor costs and state insurance laws. Each factor plays a distinct role in driving up premiums:

Utah home insurance pricing depends on these factors:

• Location
• Coverage chosen
• Home build details
• Provider chosen
• Credit
• Claims history

Here's how much each factor affects rates in Utah:

Location is the biggest factor affecting home insurance rates in Utah, with rates varying by up to 11%. Weather risks, home value and population density in your area determine costs.

Coverage choices rank second in Utah home insurance rates, ranging from $641 to $3,888 annually. Higher coverage limits and lower deductibles increase premiums, while lower limits and higher deductibles reduce costs.

Home details like age, construction materials and roof type rank third in Utah homeowners insurance rates, ranging from $55 to $111 monthly. These factors affect replacement costs and damage or theft risk.

Your choice of insurer ranks fourth in Utah home insurance rates, with prices ranging from 45% below to 35% above the state average. Selecting a provider like Farmers saves you money, while others like Auto-Owners Insurance cost more. Understanding these differences helps you make a smart choice for your home insurance needs.

A higher credit score lowers your home insurance costs by showing you're more reliable. Premiums vary by up to 48%, with annual rates ranging from $1,016 to $2,396.

Filing more claims increases your perceived risk for insurers, which increases premiums, although in Utah, claims history has a smaller impact on cost than other factors. Depending on your claims history, rates are affected by up to 12% or $169 annually.

High home insurance costs push Utah residents to find ways to save on premiums. Whether buying a new home or cutting expenses, securing affordable coverage is crucial. These tips help you find the cheapest home insurance in Utah for your needs.

Home insurance costs vary by where you live and how much coverage you get. Check your needs and average costs, then use our estimate tool for the best deal.

The cost of home insurance in Utah depends on several factors. To help you estimate your expenses, MoneyGeek answers common questions about home insurance in the state.

When determining the average cost of home insurance in Utah, we used a base profile for a simple estimate consistent with the following:

• $250,000 dwelling coverage
• $125,000 personal property coverage
• $200,000 liability coverage
• Home Built Year: 2000
• Construction type: Frame
• Roof type: Composition
• $1,000 deductible
• No claims in the past 5+ years
• Fire protection level of 3

However, rates will vary widely depending on factors such as coverage level, provider chosen, the age of the home, other features of the home, insured credit and claims history, among other factors. All other combinations presented in this article assume the home was built in 2000.