Best home insurance companies in Utah: Auto-Owners 

The best home insurance company in Utah for 2024 is Auto-Owners. State Farm, American Family, Nationwide and Farmers are among other top home insurance companies in Utah based on price, NAIC complaints, and AM Best financial ratings.

The total Insurance.com score is calculated out of five using these factors.

Best home insurance companies in Alaska
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Best home insurance in Utah
CompanyAM BestNAIC complaint ratioInsurance.com scoreAverage annual rate
Auto-OwnersA++0.375$1,761
State FarmA++0.834.37$1,078
American FamilyA0.83.55$1,260
NationwideA+1.053.38$1,260
FarmersA0.673.10$1,537

*USAA only provides coverage to military members, veterans and their families.

Data updated in 2024

Cheapest home insurance companies in Utah: State Farm

Below are Utah home insurance rates by company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see State Farm has the most affordable rates for all coverage levels. 

Cheapest home insurance in Utah
Company$200,000$300,000$400,000$600,000$1,000,000
State Farm$869$1,078$1,264$1,682$2,417
American Family$1,019$1,260$1,490$1,934$2,837
Nationwide$950$1,260$1,570$2,354$3,618
Farmers$1,127$1,537$1,957$2,903$4,677
Auto-Owners$1,347$1,761$2,282$3,176$5,381
USAA*$2,003$2,464$2,824$3,446$4,489

*USAA only provides coverage to military members, veterans and their families.

Data updated in 2024

Average home insurance cost in Utah

The average cost of homeowners insurance in Utah is $1,802 a year or $150 a month. This is based on coverage of:

  • $300,000 dwelling
  • $300,000 liability
  • $1,000 deductible.

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare price quotes from different Utah homeowners insurance companies to get the best deal.

Utah home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Utah to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

Home insurance calculator

Average home insurance rates in Texas
Please enter valid zip code
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP codeCityHighest rate
77550Galveston$10,164
77586El Lago$9,906
77551Galveston$9,536
77554Galveston$9,358

Least expensive

ZIP codeCityLowest rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data updated in 2024

The Utah Insurance Department says...

We suggest you review your coverage annually with your insurance agent. Changes in circumstances, property values, remodel and additions to the property, or other pertinent factors, may require adjustments to your policy.

- The Utah Insurance Department

The most expensive ZIP codes in Utah for home insurance 

Utah homeowners insurance rates are the most expensive for ZIP code 84080, with an average annual cost of $2,143.

The most expensive ZIP codes in Utah are:

ZIP codeAverage annual rates
84080$2,143
84401$2,087
84309$2,018
84340$2,015
84329$2,005
84022$2,004
Data updated in 2024

The least expensive ZIP codes in Utah for home insurance

The cheapest ZIP codes for home insurance in Utah are:

ZIP codeAverage annual rate
84015$1,508
84041$1,515
84742$1,534
84741$1,570
84075$1,579
84532$1,581
Data updated in 2024

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