Renters Insurance

The Best Cheap Renters Insurance in Utah

The Best Cheap Renters Insurance in Utah

Nationwide has the lowest prices for renters insurance in Utah, with an average rate of $130 per year, or about $11 per month.

The average cost of renters insurance in Utah is $21 per month. Nationwide's lower prices can save you 21% compared to the state average.

Compare Cheap Renters Insurance in Utah

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We researched insurance quotes from five top insurers in Utah in order to find the best company for you. When choosing a renters insurance company, you should weigh coverage options and customer service, in addition to affordability.

Quotes include $30,000 of personal property coverage with a $500 deductible, as well as $100,000 in liability protection.

Cheapest renters insurance companies in Utah

The cheapest renters insurance in Utah is offered by Nationwide, which has an average price of about $11 per month.

The average price of coverage in Utah is $14 per month — most insurance companies are not much more or less expensive than that rate. Amica is the exception, where the average price of coverage is $20 per month.

The Cheapest Renters Insurance in Utah

Compare Cheap Renters Insurance in Utah

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Utah renters insurance is about $4 cheaper per month than in the country as a whole. In the United States, renters insurance costs about $18 per month, on average.

Monthly cost
Nationwide logo
Allstate logo
Farmers logo
Travelers logo
Amica logo

Best renters insurance for most people: Nationwide

Nationwide was the cheapest insurer in Utah, and has lots of coverage options to customize your policy.
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Read our full review of Nationwide.

The good:

  • Affordable rates
  • Plentiful coverage options

The bad:

  • Customer service reviews are good, but not great

We recommend Nationwide for most renters insurance customers in Utah, as it has the best overall combination of affordable prices, coverage options, and good customer service.

Nationwide has an average rate of just $11 per month, making it slightly cheaper than Allstate, and $36 less than the average annual price in Utah.

What sets Nationwide apart is its range of appealing coverage options. While many other companies offer identity theft, replacement cost, or valuable items coverage, Nationwide is the only one we found that has all three. And no other company we considered offered water backup coverage.

Nationwide's customer service is good but not perfect. It received a Complaint Index of 0.66 from the National Association of Insurance Commissioners, meaning it received one-third fewer complaints than an average company its size. However, J.D. Power didn't like it as much.

If you're willing to spend more for top-rated customer service, we recommend Amica instead.

Best rated: Amica

Amica has the highest customer service rating of any company we reviewed in Utah.
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The good:

  • Highly rated service

The bad:

  • Few extra coverage options
  • Can't meet with agents in person
  • Expensive rates

For Utah renters willing to pay extra for a strong customer experience, we recommend Amica. It's the top-rated insurer we considered in Utah, but its rates are on the high side.

The average price for Amica in Utah was about $20 per month, or $243 per year. That's more than any other insurer we looked at, and nearly double the price of the least expensive option.

Amica received a top score in our service ratings for renters insurance, reflecting the positive experiences customers tend to report while buying a policy or making a claim. Amica receives one-eighth as many complaints as an average U.S. home insurance company according to the NAIC — suggesting customers are very likely to be satisfied with their experience.

Unfortunately, Amica is also not a great choice if you need renters insurance coverage that goes beyond the basics. While it does offer a few add-ons like replacement cost coverage , it lacks options like water backup or equipment breakdown coverage.

Best for discounts: Farmers

Students and young people without many possessions to protect may be able to get a rock-bottom rate at Farmers.
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Read our full review of Farmers Insurance.

The good:

  • Lots of discounts
  • Affordable rates
  • Low minimum coverage limits

The bad:

  • Mediocre customer service and coverage options

For renters who are focused on finding the lowest rates and can do the legwork to qualify for discounts, we recommend Farmers. It has the best array of discounts available, combined with an already-affordable rate.

Discounts at Farmers include a nonsmoking discount, savings when you switch insurers, and a reduced rate when you bundle your insurance policy, among others.

Farmers' rates are also on the low side. Its average price of $12 per month is only $1 more than our top pick, Nationwide.

If you don't have many belongings, you can reduce your rates even more by lowering your coverage limits. Farmers offers renters insurance policies with limits as low as $4,000 — and that means your rates will be lower, too. But you should always make sure to buy enough coverage to pay for everything you own.

However, Farmers doesn't have very strong customer service or coverage options, so people focused on the best overall experience will likely want to look elsewhere.

Utah renters insurance: Cost by city

The most expensive city for renters insurance in Utah is Eagle Mountain with an average price of $196 per year.

Among the 25 largest cities in the state, the cheapest city is Provo, where we found a rate of just $152 annually. That's $25 per year less than in Eagle Mountain, despite their proximity to one another.

Renters insurance costs can change based on where you live. Your bill might be more expensive if break-ins occur frequently in your neighborhood, or cheaper if you live close to a fire station.

Average annual cost
Difference from state average (%)
Eagle Mountain$19618%
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Top-rated renters insurance companies in Utah

USAA and Amica have the best-rated customer service among renters insurance providers in Utah.

Both companies are strongly reviewed by ValuePenguin's editors, and USAA is J.D. Power's top overall pick for customer satisfaction. In addition, both received very few complaints according to the NAIC — suggesting customers are usually happy with their service.


Frequently asked questions

How much is renters insurance in Utah per month?

The average cost of renters insurance in Utah is $14 per month, which is 22% cheaper than the national average.

Can a landlord require renters insurance in Utah?

Yes, your landlord can require you to buy a renters insurance policy in Utah. It's important that you check your lease agreement to make sure you're buying enough coverage to meet your requirements.

How much is renters insurance in Salt Lake City, UT?

Renters in Salt Lake City pay $14 per month for insurance coverage, on average. That's in line with the Utah state average. In comparison, renters living in Provo pay $13 per month for coverage.


We evaluated renters insurance prices from five major insurance companies in 25 major cities in Utah. All our sample quotes are for an unmarried 25-year-old renter who lives alone and has no recent renters insurance claims.

Personal property$30,000
Personal liability$100,000
Medical payments$1,000
Loss of use$9,000

Listed coverage applied where available.

Top picks are determined by our experts, who analyze rates, customer service and coverage options.

Renters insurance star ratings are based on the National Association of Insurance Commissioners (NAIC) complaint index, the J.D. Power customer service satisfaction index and ValuePenguin's editors' ratings.

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.