Updated: March 10, 2026
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Utah's best renters insurance: State Farm
Most affordable renters insurance in Utah: State Farm
Typical renters insurance rate in Utah: $158 per year
Utah's best renters insurance provider is State Farm, which earns a MoneyGeek score of 4.9 out of 5. At $8 monthly, it scores well for affordability and customer experience.
These five companies earned the top MoneyGeek scores for renters insurance in Utah:
| State Farm | 4.91 | $8 | $102 |
| Auto-Owners Insurance | 4.74 | $10 | $122 |
| Allstate | 4.67 | $10 | $118 |
| Acuity | 4.66 | $11 | $127 |
| Lemonade | 4.59 | $13 | $161 |
*Rates for renters aged 26 to 64 with good credit and no claims history. Policy includes $20,000 in personal property coverage, $100,000 in liability coverage and a $500 deductible.
Best for Utah Renters
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
Utah renters pay as little as $8 per month through State Farm for $20,000 in personal property coverage, which is $5 below Utah's $13 monthly average and $60 less per year. Rates across the 10 most affordable companies run $8 to $16 monthly for the same coverage. Six of those 10 insurers come in under the $13 state average, giving renters multiple cheapest renters insurance options.
| State Farm | $8 | $-5 |
| Allstate | $10 | $-3 |
| Auto-Owners Insurance | $10 | $-3 |
| Acuity | $11 | $-3 |
| Farm Bureau | $12 | $-1 |
| Nationwide | $12 | $-1 |
| Lemonade | $13 | $0 |
| American Family | $13 | $0 |
| Farmers | $16 | $3 |
| USAA | $16 | $3 |
Utah renters pay $158 annually for renters insurance, which breaks down to about $13 per month. That's $3 less than the national average of $16 monthly, thanks to Utah's lower crime rates and fewer natural disasters that reduce theft and property damage risks. The state's strong community engagement also enhances local safety measures, helping keep insurers' claim payouts lower than in many other states.
Mexican Hat offers Utah's most affordable renters insurance at $13 monthly ($151 annually), while Veyo has the highest rates at $14 per month ($173 annually). Most cities stay close to Utah's $13 average, with crime rates, weather exposure and local claims history accounting for the differences.
| Bountiful | $13 | $156 |
| Mexican Hat | $13 | $151 |
| Provo | $13 | $155 |
| Salt Lake City | $13 | $160 |
| Veyo | $14 | $173 |
| West Jordan | $13 | $156 |
| West Valley City | $13 | $160 |
State Farm offers the most affordable renters insurance across coverage levels in Utah. The insurer provides the cheapest rates from $20,000 to $250,000 in personal property coverage, with the lower tiers carrying $100,000 in liability limits. State Farm's highest rate comes at the highest coverage level, charging $33 monthly for $250,000 in personal property coverage and $300,000 in liability protection.
| $20K Personal Property / $100K Liability | State Farm | $8 |
| $50K Personal Property / $100K Liability | State Farm | $13 |
| $100K Personal Property / $100K Liability | Acuity | $19 |
| $250K Personal Property / $300K Liability | State Farm | $33 |
Choose the right coverage by reviewing your options, estimating your property value and comparing quotes from several insurers.
Getting quotes from at least three insurers can cut your renters insurance costs. State Farm charges $8 monthly for $20,000 in coverage while USAA charges $16 for the same protection, an $8 monthly gap. Online tools make it easy to compare rates and find the lowest rate.
Pairing your renters and auto insurance with one company cuts 10% to 25% off both premiums. Companies like State Farm and Auto-Owners reward customers who bundle policies together. You'll save money on total insurance costs while simplifying your billing to just one monthly payment.
Choosing a higher deductible reduces your monthly premium payments. However, you'll pay more out-of-pocket when filing claims. Before raising your deductible, confirm your emergency fund can cover the higher amount you'll need to pay upfront during a claim.
Many discounts won't apply automatically, so ask what you qualify for. Utah insurers commonly offer savings for security systems, smoke detectors, automatic payments and claims-free records. State Farm provides good student discounts for renters under 25 maintaining a B average or higher.
While Utah doesn't legally require renters insurance, most landlords demand at least $100,000 in liability coverage. Factors like pet ownership, credit score and rental history affect your coverage requirements. Your property value, local weather risks and crime rates should also inform your coverage limits.
Use our calculator below to find out how much renters insurance you need.
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.
Clothes, shoes, bags, belts, hats, gloves, etc.
Review our experts' answers to frequently asked questions below:
State Farm earns the top spot for renters insurance in Utah with a MoneyGeek score of 4.9 out of 5. At $8 monthly, it offers high customer satisfaction at affordable rates.
The average renters insurance cost in Utah is $13 per month or $158 annually for $20,000 in personal property coverage. Utah costs $3 less per month than the national average of $16 due to lower severe weather risks and reduced property crime rates compared to other states.
Acuity offers the cheapest $100,000 renters insurance coverage in Utah at $19 per month, while the state average is $32 monthly or $383 annually. Most renters choose $20,000 to $50,000 in coverage instead. The $100,000 tier works best for those with expensive belongings or collectibles.
Utah doesn't legally require renters insurance, but most landlords mandate at least $100,000 in liability coverage as part of your lease agreement. Requirements vary by rental history, credit score and pet ownership, so review your lease carefully to confirm the exact coverage amounts and types you'll need.
We analyzed Utah renters insurance companies to find insurers with affordable rates and excellent service.
We gathered quotes for renters with this profile:
Affordability accounted for 50% of each company’s score. Customer satisfaction based on industry research made up 40%. Add-on coverage options contributed the remaining 10%. Companies with the highest combined scores across these factors earned spots on our list of the best renters insurance providers in Utah.
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.
