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.
Average Home Insurance Cost in Utah
Updated: May 29, 2025
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Rates updated:
Jun 06, 2025
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Key Takeaways
Home insurance costs in Utah range from $1,272 per year to well over $6,548, depending on your financial history, home details, coverage chosen and provider.
Utah's home insurance premiums are the 8th most affordable in the country, at 55% below the national average.
To find the best home insurance in Utah, determine your coverage needs, research providers and costs and gather multiple quotes.
How Much Is Home Insurance in Utah?
| Utah Average | $99 | $1,187 | -55% |
| National Average | $220 | $2,635 | 0% |
*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.
Average Home Insurance Cost by City
Depending on your city, various risk factors, such as your property’s age, weather-related factors and home valuations, change drastically, affecting home insurance costs. For example, the average monthly home insurance cost in Provo is around $97; in West Valley City, it’s much higher at $100.
| Provo | $97 | $1,162 |
| Salt Lake City | $98 | $1,170 |
| West Jordan | $94 | $1,131 |
| West Valley City | $100 | $1,204 |
*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.
Why Is Home Insurance so Expensive in Utah?
Home insurance is expensive in Utah mainly because of the increasing number of claims, the high risk of severe weather and natural disasters, rising material and labor costs and state insurance laws. Below, we explain each factor in detail:
Rising Claims
An increase in insurance claims within a region signals higher risks to insurers. Consequently, companies may raise premiums to offset the financial burden of more frequent or severe payouts.
High Weather Risks
Areas prone to extreme weather, such as hurricanes or wildfires, face higher home insurance costs due to the increased likelihood of property damage and subsequent claims.
Rising Material and Labor Costs
As the price of building materials and labor rises, so does the cost to repair or rebuild homes. Insurers adjust premiums upward to cover these higher potential expenses.
State Insurance Laws
State-specific regulations can impact insurance operations and costs. Mandates on coverage minimums or rate-setting processes can lead to higher premiums for homeowners.
What Affects Utah Home Insurance Costs?
Like for most home insurance companies, pricing is mostly affected by these factors:
- Location
- Coverage chosen
- Home build details
- Provider chosen
- Credit
- Claims history
Below, we'll highlight how much each factor affects rates specific to the Lone Star State for each of these major factors.
How Much Does Location Affect Home Insurance Costs?
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 play a major role in determining costs.
| Lowest | Utah State Remnant Tier Aggregate | $89 | $1,064 |
| Highest | Utah Small Tier Aggregate | $113 | $1,350 |
How Much Does Coverage Affect Home Insurance Costs?
Coverage choices are the second most influential factor in Utah home insurance rates, averaging from $641 to $3,888 per year. Higher coverage limits and lower deductibles increase premiums, while lower limits and higher deductibles reduce costs.
| Lowest | $100K Dwelling / $50K Personal Property / $100K Liability | 2000 | $53 | $641 |
| Highest | $1MM Dwelling / $500K Personal Property / $1MM Liability | 500 | $324 | $3,888 |
How Much Do Home Details Affect Home Insurance Costs?
Home details like age, construction materials, and roof type are the third most influential factor in Utah homeowners insurance rates, averaging from $55 to $111 per month. These factors affect replacement costs and the risk of damage or theft, leading to rate differences.
| Lowest | New | Superior | Tile | $55 | $664 |
| Highest | Old | Frame | Shake-Treated | $111 | $1,333 |
How Much Does the Provider You Choose Affect Home Insurance Costs?
Your choice of insurer is the fourth most influential factor in Utah home insurance rates, with prices ranging from 45% below to 35% above the state average. Selecting a provider like Farmers could save you significantly, while others like Auto-Owners Insurance might cost more. Understanding these differences can help you make a smart choice for your home insurance needs.
| Lowest | Farmers | $57 | $689 |
| Highest | Auto-Owners Insurance | $140 | $1,678 |
How Much Does Credit Affect Home Insurance Costs?
A higher credit score makes you appear more reliable, which can lower your home insurance costs. Premiums vary by up to 48%, with annual average rates ranging from $1,016 to $2,396.
| Lowest | Excellent | $85 | $1,016 |
| Highest | Poor | $200 | $2,396 |
How Much Does Claims History Affect Home Insurance Costs?
Filing more claims will increase your perceived risk for insurers, which can increase premiums, although in Utah, claims history has a smaller impact on cost than other factors. We found that depending on your claims history, rates can be affected by up to 12% or $169 annually.
| Lowest | Claim free for 5+ years | $104 | $1,243 |
| Highest | 2 claims in past 5 years | $133 | $1,596 |
Tips to Save on Utah Home Insurance
Facing high home insurance costs, Utah residents must find ways to save on premiums. Whether buying a new home or cutting expenses, securing affordable coverage is vital. Below are tips to help you find the cheapest home insurance in Utah tailored to your needs.
- 1
Find How Much Coverage You Need Beforehand
Determining how much home insurance you need before buying allows you to frame how you search for coverage and avoid being oversold by agents. In addition to standard coverage options, consider if you need add-ons to protect any additional items you own. Learn more about determining how much home insurance you need, and review standard coverage options.
- 2
Research Costs and Discounts Beforehand
To determine if you’re getting a good deal, understand the average costs for you and your home. Also, ask agents about all available home insurance discounts, as some insurers apply certain reductions only if requested.
- 3
Compare Multiple Providers Through Different Avenues
Compare multiple insurers apples to apples to find the best coverage for your needs. Use various methods, including online comparison sites, brokers, provider websites, and agents, as quotes can vary significantly across these channels.
- 4
Consider Bundling Policies
Bundling policies can lead to significant savings. For example, combining home and auto insurance in {state} can save up to xx% on home insurance and $xx annually on both policies.
- 5
Reduce Your Personal Risk Profile
To get cheaper premiums on your home, consider making improvements like adding storm shutters or home security systems. Also, improving your credit score can decrease premiums drastically. For example, moving from a fair to a good credit score can save you 28% on average.
- 6
See if You Are Eligible for State Programs
Explore state programs to help get affordable coverage if you're denied traditional home insurance coverage. For instance, Utah offers the TFPA policy to insure you if traditional insurers deny you coverage. While TFPA plans don’t offer the same coverage amount as traditional policies, they meet mortgage requirements.
Utah Home Insurance Calculator: Bottom Line
Home insurance costs vary, mainly by where you live and how much coverage you get. Find affordable rates by checking your needs and average costs, then try our estimate tool for the best deal.
Homeowners Calculator Insurance Utah: FAQ
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.
How much does homeowners insurance cost in Utah?
Utah's average monthly home insurance cost is $99 for a dwelling coverage of $250K. However, your rate will depend on factors like your credit score, liability and property coverage limits, and deductible.
How do I know how much dwelling coverage to get?
Homeowners can estimate their required dwelling coverage by calculating the cost to replace their home after damage, often with help from an appraiser. While this study uses a baseline coverage of $250K, you can use the MoneyGeek homeowners insurance calculator to find the best coverage limit for your needs.
What factors affect home insurance costs the most?
The biggest factors affecting home insurance costs are your location, chosen coverage level and provider. Your credit score and home details also play a crucial role.
How We Determined Our Utah Home Insurance Estimates
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.
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.