Our home insurance calculator gives you a personalized rate estimate based on your coverage limits, location, home age, credit score and more, all specific to Utah. Select your details below to estimate home insurance costs tailored to your profile.
Home Insurance Calculator in Utah
Updated: July 16, 2026
Advertising & Editorial Disclosure
Key Takeaways
Utah homeowners pay an average of $121 per month ($1,454 per year) for $250,000 in dwelling coverage, 58% below the national average of $289 per month ($3,467 per year).
To calculate how much home insurance you need, estimate your home's rebuild cost (not market value), tally the replacement value of your personal belongings and choose a liability limit that covers your net worth.
Shopping and comparing providers is one of the most effective ways to lower your rate. The spread between the cheapest provider (Farmers at $826 per year) and the most expensive (Auto-Owners at $2,348 per year) is $1,522 per year for the same profile.
Estimate Your Utah Home Insurance Cost
Utah Home Insurance Rate Calculator
A profile of 41- to 60-year-old homeowners with no prior claims insuring a 2,500-square-foot home with a $1,000 deductible.
Select Coverage Level
Select Deductible
Select Home Age
Select Credit Alignment
Average Monthly Premium—
Select Coverage Level
Average Monthly Premium—
Select Deductible
Select Home Age
Select Credit Alignment
How Utah Home Insurance Costs Are Calculated
Home insurance rates in Utah are determined by a combination of factors that insurers use to assess risk, and each provider assigns different weight to each one. The main factors that shape your premium include your coverage level, choice of provider, city, house age, credit score and claims history.
Coverage LevelOur study of home insurance in Utah shows that the lowest tier ($100,000 dwelling) averages $73 per month while the highest ($1 million dwelling) averages $349 per month, a $276 monthly difference. Dwelling coverage should reflect the full cost to rebuild your home, not its market value. Start with a replacement cost estimate and choose the tier that comes closest to that figure.
- Provider
We noticed that in Utah, Farmers averages $826 per year while Auto-Owners averages $2,348 per year for the same profile, a $1,522 annual spread. Because every insurer prices risk differently, comparing at least three to four quotes is one of the most effective ways to reduce your premium. Use our calculator above to see how providers compare for your specific profile.
CityIn Utah, we found that Provo averages $116 per month (4% below the state average) while Veyo averages $129 per month (7% above). Salt Lake City falls near the state average at $123 per month. Utah has relatively narrow city-to-city variation, but your ZIP code still matters, as local weather patterns and proximity to fire stations can shift your rate.
House AgeOur study shows that newer homes in Utah average $91 per month while middle-age and older homes average $121 per month and $123 per month respectively, a $30 to $32 monthly difference. Older homes often have outdated wiring, plumbing or roofing that insurers view as higher risk. If you own an older home, ask about credits for recent renovations.
Credit ScoreIn Utah, we found that homeowners with excellent credit pay $79 per month on average while those with poor credit pay $186 per month, a $107 monthly difference ($1,284 per year). Most Utah insurers use credit-based insurance scores as a rating factor. Improving your credit score over time is one of the few levers you can pull to meaningfully lower your premium.
Claims HistoryClaims history changes your premium fast. A Utah homeowner with one prior claim pays roughly $133 per month, compared to $121 for a claim-free homeowner at the same $1,000 deductible. Two claims push the average to roughly $148 per month. Filing smaller claims can cost more in surcharges than the payout is worth, so paying out of pocket for minor repairs often protects your claims-free discount better.
This page's rates come from MoneyGeek's analysis of quotes for a policy with $250,000 in dwelling coverage and $125,000 in personal property coverage. The sample policy also includes $200,000 in liability coverage and a $1,000 deductible.
MoneyGeek analyzed home insurance quotes across Utah using a standardized profile: a middle-aged homeowner (41 to 60) with a 2,500-square-foot home, low fire risk, a claim-free history of five or more years and good credit. Quotes were collected across multiple coverage tiers, deductible levels, home ages and credit alignments to reflect how each factor affects premiums for Utah residents. Rates represent averages across insurers active in the state and are intended for comparison purposes. Your actual premium will vary based on your specific profile and insurer. Learn more about our home insurance methodology.
How Much Home Insurance Do You Need in Utah?
Dwelling coverage determines how much your insurer pays to rebuild your home after a covered loss. It's also the biggest factor in your premium cost. Use our free calculator below to estimate how much coverage you need based on your home's size and local construction costs.
Home Replacement Cost Estimator
A simple way to get a replacement cost estimate for your home is to find the average per-foot rebuilding cost for your area and multiply that by your home's total square footage.
Home Details
sq. ft.
How Much Personal Property Coverage Do You Need in Utah?
Personal property coverage pays to repair or replace your belongings, including furniture, electronics, clothing and more, if they are damaged or stolen. Use our free personal property calculator below to tally the replacement value of your possessions and find the right coverage limit for your needs.
Personal Property Coverage Calculator
When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.
clothing & accessories
Clothes, shoes, bags, belts, hats, gloves, etc.
How to Decide How Much Utah Home Insurance to Buy
A standard Utah home insurance policy is built around three core coverages: dwelling coverage, personal property coverage and personal liability coverage, which protects you if someone is injured on your property or you are held responsible for damages.
Dwelling CoverageDwelling coverage pays to repair or rebuild your home's structure, including walls, roof, floors and built-in appliances, after a covered loss such as fire, wind or hail. The right amount is your home's full replacement cost, not its market value, which can differ considerably depending on local labor and material costs. In Utah, dwelling coverage ranges from $100,000 to $1 million depending on home size and construction type.
Personal Property CoveragePersonal property coverage reimburses you for the repair or replacement of your belongings, including furniture, electronics, clothing and appliances, if they are damaged, destroyed or stolen. Most policies set personal property coverage at 50% of your dwelling limit, but you should inventory your possessions to confirm that amount is sufficient. In Utah, standard personal property coverage ranges from $50,000 to $500,000.
- Personal Liability Coverage
Personal liability coverage pays legal fees, medical bills and settlements if you're found responsible for bodily injury or property damage to others, whether on or off your property. Most experts recommend a minimum of $300,000 in liability coverage. Homeowners with high net worth, rental properties or a home business often choose higher limits, up to $1 million, which is the top of Utah's typical $100,000 to $1 million range.
How to Save on Home Insurance in Utah
Utah homeowners can lower premiums with the strategies below, from raising deductibles to bundling policies, without giving up the coverage they need. Comparing quotes from multiple insurers is one of the fastest ways to find affordable home insurance for your situation.
- 1Compare Providers
Farmers averages $826 per year for this profile. Auto-Owners averages $2,348 per year, a $1,522 difference. Homeowners with newer homes in the Salt Lake City metro get the lowest baseline rates from Farmers or State Farm. Rates trend higher in rural areas and southern Utah, so compare quotes from at least four providers before choosing a policy.
- 2Bundle Home and Auto Insurance
Most major insurers offer a multi-policy discount for bundling home and auto insurance with the same carrier. The discount ranges from 5% to 25% off your home premium, depending on the insurer. It's an easy way to save without changing your coverage.
- 3Ask About Available Discounts
Farmers, State Farm, USAA, American Family, Nationwide, Allstate, Farm Bureau and Auto-Owners all offer discounts in Utah for new roofs and security systems. Claim-free histories and long-term loyalty can also qualify for savings. Our full breakdown of home insurance discounts in Utah covers which ones apply to your policy.
- 4Raise Your Deductible
Raising your deductible from $500 to $1,000 saves roughly $108 per year ($130 per month vs. $121 per month). Going up another step, to $2,000, saves an additional $143 per year. Make sure you have enough savings set aside to cover the higher out-of-pocket cost if you need to file a claim.
Utah Home Insurance Calculator: Bottom Line
At $121 per month, Utah ranks among the most affordable states for home insurance. Your individual rate can still vary by hundreds of dollars a year depending on your provider, coverage level and personal profile. Start with our calculator for a personalized estimate, then compare quotes from a few insurers before choosing a policy. If you want a broader comparison, see our best homeowners insurance rankings or cheap homeowners insurance picks for Utah providers.
Utah Home Insurance Estimate: FAQ
Here are answers to the most common questions Utah homeowners have about estimating and understanding their home insurance costs.
Home insurance in Utah averages $121 per month ($1,454 per year) for $250,000 in dwelling coverage, 58% below the national average of $289 per month ($3,467 per year). Your actual rate will depend on your provider, coverage level, home age, credit score and claims history.
Home insurance is not legally required in Utah. However, if you have a mortgage, your lender will almost certainly require you to carry a policy with at least enough dwelling coverage to protect their investment. Even if you own your home outright, coverage is strongly recommended to protect against the financial impact of fire, theft, wind damage and liability claims.
Start by estimating your home's replacement cost, the amount it would cost to rebuild from the ground up using current labor and material prices in your area. This is your dwelling coverage baseline. Next, tally the replacement value of your personal belongings (furniture, electronics, clothing, appliances) to set your personal property limit. Finally, choose a liability limit that at minimum covers your net worth. Our Home Replacement Cost Estimator and Personal Property Calculator above can help you work through each step.
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships influence his recommendations.
Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.