Farm Bureau, Nationwide and State Farm offer the cheapest renters insurance in Utah. Farm Bureau ranks highest for affordable rates. Nationwide provides strong coverage options, while State Farm delivers excellent customer service.
Cheap Renters Insurance in Utah
Updated: May 5, 2025
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Key Takeaways
Farm Bureau offers Utah's cheapest renters insurance at $250 annually; Nationwide provides the best overall coverage.
Utah renters insurance costs range from $15 to $30 per month.
To find affordable renters insurance, determine your needs first, research costs and compare multiple quotes.
Utah Renters Insurance Quote Estimates
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Rates updated:
Jun 13, 2025
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Best Cheap Renters Insurance Companies in Utah
| Nationwide | 89 | $16 | $196 |
| State Farm | 89 | $18 | $218 |
| Farm Bureau | 88 | $15 | $180 |
| Auto-Owners | 85 | $21 | $254 |
| American Family | 84 | $30 | $359 |
*Rates based on good credit, no claims history, $50K property damage, $100K liability coverage, $1,000 deductible and guaranteed replacement.
Compare Personalized Best Cheap Renters Insurance in Utah
Our list covers most renters, but your ideal options may differ. Use this filterable table to find the best option for your profile in Utah.
Data filtered by:Results filtered by:
Select
Coverage Level:$50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Claims History:Claim free for 5+ years
Select
Contents Replacement:Yes
Select
Credit Tier:Good
| Farm Bureau | 88 | $9 | $113 |
| State Farm | 85 | $11 | $132 |
| Nationwide | 82 | $12 | $141 |
| Auto-Owners | 74 | $13 | $161 |
| American Family | 70 | $15 | $185 |
Best Utah Renters Insurance Review
The section below details our top pick for affordability, customer service and coverage options for Utah renters insurance.
Nationwide: Best Cheap Overall
pros
Most affordable overall
Extensive add-on selection
Higher-than-average claims satisfaction ratings
cons
Lower-than-average customer satisfaction ratings
Less affordable for lower property damage coverage levels
COMPANY HIGHLIGHTS
As Utah's top-rated renters insurance provider, Nationwide offers excellent value with competitive rates and unique coverage options, including credit card protection. Despite ranking 12th in J.D. Power's customer satisfaction study and sixth in claims handling, Nationwide's benefits and affordable pricing earn it first place in our assessment.
Average Cost of Renters Insurance in Utah
Renters insurance in Utah costs about $13 monthly, $7 less than the national average of $20. These rates reflect a policy with $50K personal property coverage, $100K liability limits and a $1,000 deductible, though your rates may vary based on your profile.
Use the table below to filter factors affecting renters insurance rates and find average rates for your profile.
Data filtered by:Results filtered by:
Select
Coverage Level:$50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Claims History:Claim free for 5+ years
Select
Credit Tier:Good
Select
Contents Replacement:Covered
| $50K Personal Property / $100K Liability | $13 | $162 |
Average Utah Renters Insurance Cost by City
Renters insurance costs vary by city. The average annual premium in Provo is $145; in Salt Lake City, it's $153 for a policy with $50K personal property coverage and $100K liability coverage. Check the table for the average cost in your city.
| Provo | $145 |
| Salt Lake City | $153 |
| West Jordan | $143 |
| West Valley City | $150 |
*Rates based on good credit, no claims history, $50K property damage, $100K liability coverage, $1,000 deductible and guaranteed replacement.
Utah Renters Insurance: Buyer's Guide
Finding Utah's best and cheapest renters insurance is simpler than you might think. This guide will help you choose coverage that fits your needs.
How to Find the Best Cheap Renters Insurance in Utah
Finding affordable renters insurance in Utah doesn't have to be difficult. Follow these steps to get the best coverage for your needs:
- 1
Determine the right coverage level
Before shopping for renters insurance, determine how much coverage you need by listing your valuables and their worth. Consider local risks like weather damage, crime rates and pet liability if you own animals that might bite others.
- 2
Research costs and discounts
With your coverage needs in mind, research average costs for your situation. This gives you a baseline for comparing quotes. Look into discounts you might qualify for to save even more.
- 3
Compare providers
Research insurance companies' reputations, typical costs and coverage options before requesting quotes. This will help you narrow your search to the best candidates.
- 4
Consider bundling
Check if bundling renters and auto insurance with your current provider offers savings. Often, the discount on auto insurance can cover most or all of your renters insurance cost.
- 5
Compare multiple quotes through different channels
To find the best deal, get at least five quotes with similar coverage. Try various sources, including comparison sites, provider websites, insurance brokers and phone calls with agents, as prices may differ.
- 6
Compare rates annually
Insurance rates change frequently. Compare options yearly to ensure you still get the most affordable coverage.
How Much Renters Insurance Do I Need in Utah?
Utah law doesn't require renters insurance, but most landlords will likely require at least $100K in liability coverage. Requirements may vary based on your rental history, credit and pets. Consider how much property you want covered, weather risks, local crime rates and pet ownership.
Use our calculator below to determine your ideal personal property limits so you know how much renters insurance you need.
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.
Utah Renter Risk Considerations
Here are risks specific to Utah renters and additional coverage considerations:
- Weather risks: Utah has a high risk of wildfires, winter storms and earthquakes in certain areas. Standard coverage may not include protection for these threats, requiring a separate purchase.
- Crime risks: Utah ranks 22nd nationwide for property crime and 32nd for identity theft and fraud. Consider add-ons and supplemental property damage coverage.
- Pet ownership: Depending on your pet, consider pet liability coverage. Check how pet coverage works with different providers and whether it's included in standard policies.
- Property types: If you have special tools, valuables, electronics or other structures like a pool that need coverage, standard policies may not suffice. Look for companies with specific add-ons for additional protection.
How Does Renters Insurance Coverage Work?
Renters insurance typically covers property damage, liability and loss of use related to your rental. Add-on coverages can make protection more comprehensive. Common coverage types include:
Coverage Type | Standard or Add-on | Coverage Details |
|---|---|---|
Standard | Reimburses and replaces personal property within your rental up to specified limits. Standard coverage reimburses actual cash value rather than purchase price, unless you have replacement cost coverage. | |
Standard | Covers you if someone gets injured on your property, including medical and legal costs, and is often required by landlords. | |
Additional living expenses | Standard | Covers expenses due to rental home loss, such as meals, lodging and transportation. Coverage is either a percentage of your personal property limits or a flat amount. |
Natural disasters | Add-on | Separate policies for earthquake and flood coverage available with select providers |
Parts/Equipment | Add-on | Separate policies for tools, appliances and utilities in your rental |
Scheduled property | Add-on | Insures specific valuable items up to certain amounts |
Identity theft | Add-on | Protects financially against identity theft, covering stolen funds and legal costs. May include monitoring services. |
Pet liability | Add-on | Protects against injuries caused by your pet on rental property. May be covered in standard policies. |
Modifications | Add-on | Covers non-original rental property parts, including custom additions and modifications |
Food loss | Add-on | Reimburses food lost due to covered incidents |
Best Renters Insurance in Utah: Bottom Line
Utah's best and cheapest overall renters insurance companies are Farm Bureau, Nationwide and State Farm. While we recommend these options, research for yourself and compare multiple companies and quotes to get the best deal.
Renters Insurance in Utah: FAQ
Here are answers from our experts to common questions:
What is the cheapest renters insurance company in Utah?
Farm Bureau offers the cheapest renters insurance in Utah, with an average annual premium of $180 or $15 per month.
What is the best renters insurance company in Utah?
Nationwide is the best renters insurance company in Utah, with a MoneyGeek score of 89 out of 100 due to its outstanding balance of affordability and coverage options.
How much does renters insurance cost in Utah?
The average cost of renters insurance in Utah is $162 per year or $13 per month, 33% below the national average. Annual premiums range from $180 to $359.
Is renters insurance required in Utah?
Utah doesn't legally mandate renters insurance, but your landlord may require it. Evaluate your needs and circumstances to determine whether buying a policy is right for you. Reasons to get renters insurance include financial protection against common perils and liability costs of third-party injuries.
How We Found the Best Cheap Renters Insurance Companies
To determine the cheapest renters insurance in Utah, we used this base profile:
- $50K personal property coverage
- $100K liability coverage
- $1,000 deductible
- Property replacement coverage
- Good credit score
This determined our affordability score (60% of the total score). Other factors included company size and add-on coverage selections (10%), customer satisfaction score from industry research (25%) and financial strength ratings (5%).
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.
sources
- American Red Cross. "Which Natural Disasters Should You Prepare For?." Accessed May 5, 2025.
- Insurance Information Institute. "Facts + Statistics: Identity Theft and Cybercrime." Accessed May 5, 2025.
- U.S. News. "Property Crime Rate." Accessed May 5, 2025.