The Best Cheap Home Insurance Companies in Utah (2026)
Farmers typically has the cheapest homeowners insurance in Utah, at $941/yr, on average. | ||
Homeowners insurance in Utah costs an average of $1,656/yr, which is 31% cheaper than the national average. | ||
Home insurance tends to cost the most in northern Utah, particularly in communities near the Idaho border and the Great Salt Lake, with average rates as high as $2,200/yr. |
Find Cheap Home Insurance Quotes in Utah
Who has the best cheap home insurance in Utah?
Who has the cheapest home insurance quotes in UT?
Farmers and State Farm have the cheapest homeowners insurance in Utah.
Find Cheap Home Insurance Quotes in Utah
- Farmers has the cheapest home insurance for most people in Utah. Home insurance from Farmers typically costs 29% to 47% less than the statewide average. The company's rates are particularly good for more affordable homes that need less than $350,000 in dwelling coverage.
- State Farm has the most affordable home insurance rates for high-value homes. A State Farm policy with $1 million of dwelling coverage costs half as much as average in Utah. So it's a better choice for people with large or expensive homes.
Best cheap home insurance in Utah
$200,000
$350,000
$500,000
$1 million
Company | Annual rate | ||
|---|---|---|---|
| Farmers | 3.5 out of 5 | $568 | |
| Allstate | 4.0 out of 5 | $696 | |
| State Farm | 3.5 out of 5 | $716 | |
| Mutual of Enumclaw | 4.5 out of 5 | $744 | |
| American Family | 4.0 out of 5 | $998 | |
| Farm Bureau | 3.3 out of 5 | $1,091 | |
| Nationwide | 4.3 out of 5 | $1,118 | |
| Acuity | 2.5 out of 5 | $1,626 | |
| Auto-Owners | 3.0 out of 5 | $1,983 | |
| USAA | 4.0 out of 5 | $1,092 | |
Key takeaways
Best home insurance in Utah for most people: Farmers
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Annual cost$941Average rate for a $350,000 home
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Monthly cost$78Average rate for a $350,000 home
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Customer complaints Average
Cheapest home insurance in Salt Lake City
Company | Annual rate | |
|---|---|---|
| Farmers | $932 | |
| State Farm | $932 | |
| Allstate | $1,140 | |
| Mutual of Enumclaw | $1,171 | |
| Nationwide | $1,359 | |
| American Family | $1,419 | |
| Farm Bureau | $1,621 | |
| Auto-Owners | $2,986 | |
| Acuity | $2,996 | |
| USAA | $1,452 | |
Rates are for a policy with $350,000 of dwelling coverage.
Best home insurance company for customer service in Utah: Nationwide
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Annual cost$1,591Average rate for a $350,000 home
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Monthly cost$133Average rate for a $350,000 home
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Customer complaints Average
Best for high-value homes in Utah: State Farm
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Annual cost$977Average rate for a $350,000 home
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Monthly cost$81Average rate for a $350,000 home
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Customer complaints Average
Top-rated homeowners insurance companies in UT
Mutual of Enumclaw and Nationwide have the best-rated homeowners insurance in Utah.
Both companies have cheaper-than-average rates and get very few customer complaints.
Company |
Rating
|
Complaints
|
|---|---|---|
| Mutual of Enumclaw | 4.5 out of 5 | Low |
| Nationwide | 4.3 out of 5 | Low |
| Allstate | 4.0 out of 5 | Average |
| American Family | 4.0 out of 5 | Average |
| USAA | 4.0 out of 5 | Low |
| Farmers | 3.5 out of 5 | Average |
| State Farm | 3.5 out of 5 | Average |
| Farm Bureau | 3.3 out of 5 | Low |
| Auto-Owners | 3.0 out of 5 | Low |
| Acuity | 2.5 out of 5 | Average |
How much does home insurance cost in Utah?
Homeowners insurance costs an average of $1,656 per year in Utah.
That's 31% cheaper than the national average, which is $2,395 per year.
Dwelling coverage | Average rate |
|---|---|
| $200,000 | $1,063 |
| $350,000 | $1,656 |
| $500,000 | $2,210 |
| $1,000,000 | $3,947 |
Utah homeowners pay less for insurance than in most neighboring states. Home insurance in Utah is about $100 per year cheaper than in nearby Idaho. You'll pay significantly more for homeowners insurance in Colorado, New Mexico and Arizona.
Utah insurance rates by city
Park Valley, a remote community in Utah's Great Basin near the Idaho border, had the most expensive home insurance quotes in the state.
Homeowners in Park Valley pay an average of $2,207 per year for a policy with $350,000 of dwelling coverage.
Kingston, a small rural town in south-central Utah, has the cheapest rates, at around $1,428 per year.
Farmers has the cheapest homeowners insurance in about half of cities and towns across Utah, including Salt Lake City. Nationwide has the most affordable rates in 23% of the remaining towns, while State Farm and Allstate are the cheapest options in 16% and 11% of the towns, respectively.
Find Cheap Home Insurance Quotes in Utah
Cheapest home insurance in Utah by city
City | Average rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Alpine | $1,704 | Farmers | $914 |
| Altamont | $1,573 | Farmers | $828 |
| Alton | $1,655 | Farmers | $819 |
| Altonah | $1,629 | Farmers | $826 |
| American Fork | $1,578 | Farmers | $859 |
| Aneth | $1,560 | Nationwide | $809 |
| Annabella | $1,588 | Nationwide | $916 |
| Antimony | $1,644 | Farmers | $878 |
| Aurora | $1,551 | Farmers | $949 |
| Axtell | $1,627 | Farmers | $889 |
| Ballard | $1,609 | Farmers | $947 |
| Bear River City | $1,883 | Farmers | $971 |
| Beaver | $1,522 | Nationwide | $834 |
| Benjamin | $1,689 | Farmers | $896 |
| Benson | $1,720 | Farmers | $990 |
| Beryl | $1,687 | Allstate | $930 |
| Bicknell | $1,477 | Nationwide | $855 |
| Bingham Canyon | $1,775 | State Farm | $975 |
| Blanding | $1,597 | Nationwide | $903 |
| Bluebell | $1,580 | Farmers | $829 |
| Bluff | $1,612 | Nationwide | $829 |
| Bluffdale | $1,562 | Farmers | $945 |
| Bonanza | $1,566 | Nationwide | $926 |
| Boulder | $1,542 | Farmers | $872 |
| Bountiful | $1,754 | Farmers | $866 |
| Brian Head | $1,689 | Farmers | $935 |
| Brigham City | $1,931 | State Farm | $989 |
| Bryce | $1,570 | State Farm | $975 |
| Cache Junction | $1,808 | Farmers | $905 |
| Cannonville | $1,515 | Nationwide | $734 |
| Carbonville | $1,521 | State Farm | $929 |
| Castle Dale | $1,592 | Nationwide | $850 |
| Cedar City | $1,563 | Nationwide | $793 |
| Cedar Hills | $1,633 | Farmers | $929 |
| Cedar Valley | $1,736 | Farmers | $931 |
| Centerfield | $1,592 | Nationwide | $890 |
| Centerville | $1,790 | Farmers | $914 |
| Central | $1,603 | Allstate | $920 |
| Chester | $1,614 | Nationwide | $860 |
| Circleville | $1,481 | Nationwide | $872 |
| Cisco | $1,528 | Nationwide | $798 |
| Clarkston | $1,742 | Farmers | $785 |
| Clawson | $1,595 | Nationwide | $933 |
| Clearfield | $1,750 | State Farm | $931 |
| Cleveland | $1,579 | Nationwide | $850 |
| Clinton | $1,721 | State Farm | $924 |
| Coalville | $1,838 | Farmers | $892 |
| Collinston | $2,015 | Farmers | $845 |
| Copperton | $1,774 | State Farm | $971 |
| Corinne | $1,874 | Farmers | $1,025 |
| Cornish | $1,759 | Farmers | $850 |
| Cottonwood Heights | $1,639 | Farmers | $917 |
Rates are for a policy with $350,000 of dwelling coverage.
What home insurance coverage do I need in UT?
You may need coverage for hail, wildfires and earthquakes if you live in Utah.
Most home insurance policies cover hail and fire damage, but damage resulting from an earthquake or landslide isn't usually covered.
Does Utah home insurance cover hail damage?
Homeowners insurance almost always covers hail if it damages the structure of your home. For example, your insurance company will pay to fix a roof leak or broken window caused by hail.
But most companies won't pay for cosmetic damage. So, if hail dents your siding but it doesn't cause a leak, you'll likely have to pay to fix it if it bothers you.
Does homeowners insurance cover wildfires in Utah?
A standard home insurance policy typically covers wildfire damage. However, insurance companies may not offer fire coverage if your home is in an area with frequent wildfires.
If you can't buy wildfire coverage through a private company, you can get coverage through the government, called a FAIR plan policy. Keep in mind these plans tend to be expensive.
Utah has more than 67,300 homes with a moderate or greater risk of wildfire damage. These homes would cost $34.4 billion to rebuild.
Only eight states have more at-risk homes than Utah, including neighboring Colorado, Arizona, Idaho and New Mexico.
The Utah counties with the highest percentage of at-risk structures are:
- Kane
- Summit
- Wasatch
- Daggett
- Morgan
Does homeowners insurance cover earthquake damage in Utah?
Homeowners insurance doesn't usually pay for damage caused by earthquakes, ground shaking, landslides or rock falls. You should consider buying a stand-alone earthquake policy if you live in an earthquake-prone part of the state. This includes homes near the Wasatch Fault, which includes Salt Lake City, Provo and Ogden.
Utah has had 17 large earthquakes since settlers arrived in 1847.
In addition to earthquakes caused by regular movements of the earth, the eastern and central parts of the state get frequent earthquakes because of coal mining.
Tips for saving money on home insurance in Utah
Comparing quotes can save you more than $1,000 per year on your home insurance.
The difference between the most and least expensive home insurance companies in Utah is $2,155 per year.
Most home insurance companies offer multiple discounts. You can lower your monthly rate by taking advantage of common discounts like bundling your home and car insurance and having a burglar and fire alarm.
It's a good idea to check for discounts when comparing home insurance quotes. The cheapest home insurance for you will depend on which discounts you qualify for.
You can also lower your home insurance rate by increasing the amount of money you pay for home repairs before your home insurance starts working, called a deductible. You should never raise your deductible beyond what you can easily cover from your savings.
Surging Utah home insurance costs
Home insurance prices increased by 72% in Utah in the last five years.
Utah homeowners experienced steep rate hikes in 2023 and 2024, with increases of around 21.1% both years. But home insurance rate hikes seem to be settling down, with an increase of just over 3% in 2025.
Home insurance rate increases in Utah, 2021-2025
Year | Rate increase |
|---|---|
| 2021 | 4.52% |
| 2022 | 8.47% |
| 2023 | 21.32% |
| 2024 | 21.07% |
| 2025 | 3.24% |
Home insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
Auto-Owners more than doubled its rates in Utah between 2021 and 2025, with an increase of nearly 153%. That's the largest rate increase in the state by far. Bear River had the second-largest rate hike, at 98%.
The smallest increase belonged to State Farm, at just 33%.
Frequently asked questions
What is the best homeowners insurance company in Utah?
Nationwide and Mutual of Enumclaw have the best-rated home insurance in Utah. Both companies offer reliable customer service at an affordable rate. Farmers is the best option if you're shopping for the cheapest policy, but its customer service reviews aren't as good.
What is the average cost of home insurance in Utah?
Home insurance in Utah costs $1,656 per year, or $138 per month. That's 31% less than the national average for homeowners insurance.
Do I need separate flood insurance in Utah?
Home insurance doesn't cover weather-related flooding. This includes water damage from flash floods, rising rivers or lakes, or snow melt. If you're worried about flood damage, you should buy a separate flood insurance policy.
Flood insurance isn't very expensive in Utah. The average cost statewide for a policy from the National Flood Insurance Program (NFIP) is $684 per year for $310,524 of coverage.
Methodology
To find the best homeowners insurance in Utah, ValuePenguin collected quotes from the top home insurance companies across all of Utah's residential ZIP codes. Quotes are for a 45-year-old married man who has never had an insurance claim. Rates are for a 2,800-square-foot home built 40 years ago, based on the average home age and size in Utah.
Quotes include the following coverage limits:
- Dwelling coverage: $200,000, $350,000, $500,000 or $1 million
- Personal liability: $100,000
- Medical payments: $1,000
- Deductible: $1,000
Insurance rate data came from Quadrant Information Services. Quadrant's rates are from public insurance company filings and should only be used for comparative purposes. Your rates will likely be different.
Complaint data from the National Association of Insurance Commissioners (NAIC), the J.D. Power customer satisfaction survey and ValuePenguin's ratings were used to create home insurance ratings.
Sources:
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
