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: May 21, 2026
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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 Insurance 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 Insurance 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 HistoryIn Utah, a homeowner with one prior claim pays roughly $133 per month compared to $121 per month for a claim-free homeowner at a $1,000 deductible, and two claims push that to roughly $148 per month. Filing smaller claims can cost more in surcharges than the payout is worth. Consider paying out of pocket for minor repairs to keep your claims-free discount.
All rates referenced on this page are based on MoneyGeek's analysis of quotes for a policy with $250,000 in dwelling coverage, $125,000 in personal property coverage, $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 is the primary driver of your home insurance cost. It sets the foundation for your premium and determines how much your insurer will pay to rebuild your home after a covered loss. Use our free calculator below to estimate how much dwelling coverage you may 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 are found responsible for bodily injury or property damage to others, whether on or off your property. Experts generally recommend a minimum of $300,000 in liability coverage, and higher limits if you have substantial assets to protect. In Utah, personal liability coverage ranges from $100,000 to $1 million.
How to Save on Home Insurance in Utah
Utah homeowners have several practical options for reducing home insurance premiums without sacrificing meaningful coverage. The strategies below can help you find the most affordable home insurance rate for your profile and situation.
- 1Compare Providers
Farmers averages $826 per year while Auto-Owners Insurance averages $2,348 per year for the same profile, a $1,522 annual difference. If you own a newer home in the Salt Lake City metro, start with Farmers or State Farm for the lowest baseline rates. If you are in a rural area or southern Utah where rates trend slightly higher, compare at least four providers before committing to a policy.
- 2Bundle Home and Auto Insurance
Most major insurers offer a multi-policy discount when you bundle home and auto insurance with the same carrier. Bundling can save you anywhere from 5% to 25% on your home premium depending on the insurer, making it one of the easiest discounts to capture without changing your coverage.
- 3Ask About Available Discounts
Major providers in Utah, including Farmers, State Farm, USAA, American Family, Nationwide, Allstate, Farm Bureau and Auto-Owners Insurance, offer a range of discounts for new roofs, security systems, claim-free histories and loyalty. Review home insurance discounts available in Utah and ask your insurer 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). Moving from $1,000 to $2,000 saves another $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 is one of the most affordable states for home insurance, but your individual rate can vary by hundreds of dollars per year depending on your provider, coverage level and personal profile. Use our calculator to get a personalized estimate, then compare quotes from multiple insurers to make sure you are getting the best rate. For a broader look at your options, review the best homeowners insurance companies or find cheap homeowners insurance options available in your area.
Utah Home Insurance Estimate: FAQ
Here are answers to the most common questions Utah homeowners have about estimating and understanding their home insurance costs.
How much is home insurance in Utah per month?
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.
Is home insurance in Utah required?
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.
How do you calculate how much home insurance you need?
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.
Provider Review Links
Company | Link |
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Allstate | |
American Family | |
Auto-Owners | |
Farmers | |
Nationwide | |
State Farm | |
USAA |
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.