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: November 6, 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.
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.
Texas renters face diverse risks from Houston hurricanes to Dallas tornadoes, so our renters insurance estimate calculator helps determine region-specific coverage amounts across the state.
Utah Renters Insurance Quote Estimates
MoneyGeek's renters insurance calculator will give you a customized estimate of your renters insurance costs.
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Rates updated:
Nov 14, 2025
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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:
$50K Personal Property / $100K Liability
Select
Claim free for 5+ years
Yes
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
Nationwide leads Utah's renters insurance market with competitive rates and unique coverage options like credit card protection. The company ranks 12th in J.D. Power's customer satisfaction study and sixth in claims handling. Nationwide's combination of affordable pricing and comprehensive benefits earned 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 $50,000 personal property coverage, $100,000 liability limits and a $1,000 deductible, though your rates may vary based on your profile.Â
Use the table below to filter factors affecting renters insurance rates and find average rates for your profile.
Data filtered by:
$50K Personal Property / $100K Liability
Select
Claim free for 5+ years
Good
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 $50,000 personal property coverage and $100,000 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, $50,000 property damage, $100,000 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 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 is straightforward. Follow these steps to get the coverage you need:
- 1Determine the right coverage level
List your valuables and calculate their worth before shopping for renters insurance. Consider local risks like weather damage, crime rates and pet liability if you own animals that might bite others.
- 2Research costs and discounts
Research average costs for your situation. You'll have a baseline for comparing quotes. Look into discounts you qualify for to save more.
- 3Compare providers
Research insurance companies' reputations, costs and coverage options before requesting quotes.
- 4Consider bundling
Bundle renters and auto insurance with your current provider for savings. The discount on auto insurance often covers most or all of your renters insurance cost.
- 5Compare multiple quotes through different channels
Get at least five quotes with similar coverage. Try comparison sites, provider websites, insurance brokers and phone calls with agents, as prices may differ.
- 6Compare rates annually
Insurance rates change. Compare options yearly for the most affordable coverage.
How Much Renters Insurance Do I Need in Utah?
Utah law doesn't require renters insurance, but most landlords require at least $100,000 in liability coverage. Requirements vary based on your rental history, credit and pets. Consider your property value, weather risks and local crime rates when determining coverage amounts.
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
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 doesn't include protection for these threats, which require separate policies.
- 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: Consider pet liability coverage. Check how pet coverage works and whether it's included in standard policies.
- Property types: If you have special tools, valuables, electronics or structures like a pool, standard policies won't cover these items. Look for companies with specific add-ons.
How Does Renters Insurance Coverage Work?
Renters insurance covers property damage, liability and loss of use related to your rental. Add-on coverages make protection more comprehensive. Common coverage types include:
Coverage Type | Standard or Add-on | Coverage Details |
|---|---|---|
Standard | Covers personal property within your rental up to specified limits. Standard coverage pays actual cash value rather than purchase price, unless you have replacement cost coverage. | |
Standard | Pays for costs if someone gets injured on your property, including medical and legal expenses. Often required by landlords. | |
Additional living expenses | Standard | Covers expenses from rental home loss, including 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 are 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 against identity theft, covering stolen funds and legal costs. Includes monitoring services. |
Pet liability | Add-on | Covers liability for injuries caused by your pet on rental property. Sometimes included in standard policies. |
Modifications | Add-on | Covers non-original rental property parts, including custom additions and modifications. |
Food loss | Add-on | Reimburses food lost from 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 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:
- $50,000 personal property coverage
- $100,000 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
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.