We evaluated insurance quotes for a sample 2,000 square foot home in 34 cities in the state of Utah in order to determine which cities had the highest and lowest annual home insurance costs. Based on our research, Utah homeowners pay, on average, $908 per year. Out of the 34 cities in our study, West Valley City, the second largest city in Utah, had the most affordable annual home insurance rate of $768. Read more about our findings below, or use our quote tool above to start finding homeowners insurance quotes in your area.
- Cheapest Home Insurance Companies
- Homeowners Insurance Rates in Utah's Largest Cities
- Top 5 Least Expensive Cities for Home Insurance in Utah
- Top 5 Most Expensive Cities for Home Insurance in Utah
Cheapest Home Insurance Companies in Utah
We collected quotes for our sample home across 34 cities from State Farm, Farmers, Allstate and Nationwide. The quotes from each company were averaged to find which insurance companies had the most affordable home insurance rates in Utah. The graph below shows the average annual costs to insure our sample home by company:
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Homeowners Insurance Rates in Utah's Largest Cities
We assessed homeowners insurance rates across the largest cities in Utah. Our study applied control variables to gather quotes that were comparable to one another. On average, the homeowners in the ten largest cities pay $24 less than the state mean for insurance. The cost for home insurance in the ten largest cities was an average of $884 per year.
Salt Lake City, UT
Salt Lake City, the capital of Utah, is the most populous city in the state. Located in the city is the global headquarters of The Church of Jesus Christ of Latter-day Saints (LDS). Salt Lake City's street grid system was created with the purpose of having the Salt Lake Temple, constructed by the church, as the center of town. The grid system has led to unique addresses, such as 2150 East 13400 South, which can be quite confusing for visitors. Based on our research, the average cost of home insurance in Salt Lake City was $953 per year, which is $44 more than the state mean.
For our sample home, State Farm offered the most affordable home insurance quote in Salt Lake City at $759 annually. Farmers, the most expensive insurer in the city, quoted our sample home an annual cost of $1,161, or $402 more than State Farm. Salt Lake City ranked as the second most expensive city for homeowners insurance of the largest ten cities in Utah.
West Valley City, UT
West Valley City is the second largest city in the state of Utah. The city is home to the Maverick Center, a 12,000-seat multi-purpose arena, and USANA Amphitheatre, a 20,000-seat outdoor amphitheater. The Maverick Center was the official venue for ice hockey during the 2002 Olympic Games. On average, residents of West Valley City pay $768 for home insurance annually, which is 15% less than the average in Utah.
All three home insurance companies in our study quoted relatively similar rates for West Valley City, with Nationwide offering the least expensive rate of $704 annually for home insurance. Allstate offered the most expensive home insurance quote at $833. Out of the 34 cities researched, West Valley City ranked as the most affordable city for homeowners insurance in Utah and had the highest percentage of savings from the mean at 15%.
Provo is the third most populous city in Utah and lies between the fifth largest city, Orem, and Springville. Provo is home to Brigham Young University, which is a private school operated by the LDS church. Residents of Provo pay, on average, $855 for home insurance annually. Our study found that home insurance rates in Provo are 6% lower than the average in Utah.
If you're looking for affordable home insurance rates in Provo, we suggest starting with Nationwide, which quoted our sample home a cost of $655 annually. Farmers offered the least affordable rate of $1,117 per year, which is $343 more per year than State Farm's rate of $774 and $243 more than Allstate's quote of $874.
West Jordan, UT
West Jordan, located in the north of Utah, is the fourth largest city in the state. It lies at the southwest end of the Salt Lake Valley and sits at an elevation of 4,377 feet. Based on our sample home, the average homeowners insurance rate in the city was $824, which is 9% less than the state mean.
Home insurance rates in West Jordan vary by as much as $460. Nationwide quoted the most affordable rate for our sample home at $629 per year. Farmers offered the least affordable rate at $1,089 per year, which is $181 more than the average for the state. Out of the ten most populous cities in Utah, West Jordan ranked as the third least expensive city.
Orem is the fifth most populous city in Utah and home to Utah Valley University. The city is adjacent to Utah Lake, and is bordered by Mt. Timpanogos and the third most populous city in Utah, Provo. The average annual homeowners insurance quote in Orem for our sample home was $1,034 per year. Residents of Orem pay $125 more than the state average.
According to our research, Farmers quoted the most expensive rate for our sample home in Orem at $1,153 annually. Nationwide had the least expensive rate at $952, which is $100 less than State Farm's quote of $1,052. Orem had the fifth most expensive average rate out of the 34 cities in our study.
Sandy is the sixth largest city in Utah. In 2015, the city began a redevelopment project, named The Cairns, to transform the downtown area into a resort-style city center over the next 25 years. The city has already completed part of the project, adding the Hale Center Theatre, high-rise residential buildings, and a 10600 South off-ramp. Our research found that the annual home insurance cost in the city was $890, which is $18 less than the state mean.
State Farm offered the most affordable rate in Sandy at $755 annually. The most expensive annual rate was $1,027, quoted by Farmers, which is $167 more than Allstate's rate of $860 and $109 more than Nationwide's quote of $918. Sandy was the fifth cheapest city for homeowners insurance out of the ten largest cities sampled.
Ogden, located in the northern section of Utah, is the seventh most populous city in the state. Historically, the city was a major railway center and still has a good amount of freight traffic, making it ideal for manufacturing and commerce. Our study found that residents pay $7 more each year for home insurance than the state average.
State Farm and Farmers quoted rates within $39 of each other for our sample home. The two insurance companies quoted annual costs of $848 and $887, respectively. Allstate offered a rate of $916, which is $94 less than the Nationwide's premium of $1,010. Ogden ranks as the third least affordable city compared to the ten most populous cities in our study.
St. George, UT
St. George is the eighth most populous city in the state. It is bordered by Arizona in the southwestern part of Utah. The city is also surrounded by multiple national parks, conservation areas, and monuments. Based on our study, the average annual home insurance cost in St. George was $907. On average, residents pay $2 less for their home insurance than the state mean.
In St. George, State Farm offered the lowest rate at $727 per year. Farmers' home insurance quote was $1,194, which is $467 more expensive than State Farm's rate. Nationwide's quote was only $26 more than Allstate's rate of $840. St. George ranked as the eighteenth least expensive city when compared to the 34 cities sampled in Utah.
Layton is the ninth largest city in the state of Utah. Interstate 15 runs through the middle of the city and connects to Salt Lake City, Ogden, Provo, and St. George, which is in the southern end of the state. Our study found that homeowners insurance in Layton costs, on average, $904 per year, which is $4 less than Utah's mean homeowners insurance rate.
Based on our sample home, the most affordable quote in Layton was offered by State Farm, at an annual cost of $798. The least affordable rate was $971, which was quoted by Nationwide. Layton ranked in the middle for affordable home insurance rates in Utah, landing at the seventeenth most affordable city of the 34 cities in our study.
Taylorsville is one of Utah's newest cities, incorporated in 1996, and the tenth most populous city in the state. The city is made of three communities, Taylorsville, Bennion, and Kearns, and formed together after a favorable vote of the people. The average homeowners insurance rate in Taylorsville was $791 per year, according to our study, which is $117 less than the state average.
Nationwide offered the cheapest home insurance quote in the area at $699. The most expensive rate, quoted by Allstate, was for $861 annually, which is $162 more than Nationwide's quote. According to our research, residents of Taylorsville save 13% compared to the state average in Utah for homeowners insurance.
Least Expensive Homeowners Insurance in Utah: by City
The graph below shows the five most affordable cities of all 34 cities in this study. The cities are listed in order of mean price starting with the lowest average home insurance quote and ascending. The figures listed in the graph represent the average home insurance rate in each city. West Valley City, the second largest city, has the cheapest rate in Utah for homeowners insurance. On average, residents pay $768 annually, which is $140 lower than the state average.
West Valley City, UT
According to our study, West Valley City is the most affordable city in the state of Utah for homeowners insurance. On average, residents pay $7 less for their homeowners insurance policy than the next most affordable city in Utah, Kaysville. Nationwide offered the lowest quote at $704.
Kaysville ranked as the second most affordable for home insurance of the 34 cities sampled in Utah. The mean home insurance rate in the city was $775, which is 15% cheaper than the state average. The most affordable quote in Kaysville was offered by Farmers, the most expensive insurer in the state overall, at $493 annually.
South Jordan, UT
South Jordan offers the third least expensive rates in Utah for homeowners insurance. The average home insurance quote collected for the city of South Jordan was $788, which is $121 less than the state mean. On a percentage basis, this represents a 13% discount.
Syracuse offers the fourth most affordable home insurance rate in the state of Utah. Residents pay on average $789 per year, which is $119 less than the state average. The lowest rate in the city was offered by Nationwide at $596 per year.
Taylorsville is ranked the fifth least expensive city in Utah for home insurance. On average, residents pay $791 for home insurance, which represents a 13% lower rate when compared to the state mean. On an annual basis, residents save $117 on homeowners insurance compared to the state average.
Most Expensive Homeowners Insurance in Utah: by City
The graph below shows the five least affordable places of all 34 cities from this study. The cities are listed in order of price starting with the highest average rate to the lowest. The figures listed represent the average home insurance rate in each city. The most expensive city for homeowners insurance was Price, where our research found an average annual rate of $1,158, which is $249 higher than the state average.
We studied 34 cities, spread out geographically in the state of Utah. The sample home we looked at was built in the year 2000 and had 2,000 square feet. The property cost $200,000 and had an attached garage. Quotes for this home were obtained from State Farm, Farmers, Allstate, and Nationwide insurance companies. The rates were then averaged to arrive at a mean value for each city. Below is an alphabetical list of all the cities included in the comparison analysis. We've displayed all cities from Bountiful to West Valley City with the average annual cost of insurance for the benchmark property and how much each city costs relative to the statewide average.
|Rank||City||Average Insurance Rate||Cost Compared to State Average|
|26||Salt Lake City||953||5%|
|1||West Valley City||768||-15%|