Best home insurance company in Utah: State Farm
The best home insurance company in Utah for 2026 is State Farm. American Family, Nationwide, Farmers, and Auto-Owners 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.
*USAA only provides coverage to military members, veterans and their families.
Cheapest home insurance company 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.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| American Family | $1,340 | $1,687 | $2,019 | $2,667 | $3,819 |
| Auto-Owners | $2,758 | $3,685 | $4,583 | $6,213 | $8,644 |
| Farmers | $1,236 | $1,710 | $2,213 | $3,267 | $5,167 |
| Nationwide | $1,261 | $1,588 | $1,886 | $2,427 | $3,220 |
| State Farm | $1,084 | $1,355 | $1,614 | $2,099 | $2,797 |
| USAA | $1,199 | $1,523 | $1,816 | $2,316 | $2,951 |
*USAA only provides coverage to military members, veterans and their families.
Average home insurance cost in Utah
The average cost of homeowners insurance in Utah is $1,771 a year or $148 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 by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,407 |
| 77554 | Galveston | $9,754 |
| 77551 | Galveston | $9,634 |
| 77590 | Texas City | $9,005 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 79915 | El Paso | $1,158 |
| 79905 | El Paso | $1,169 |
| 79907 | El Paso | $1,179 |
| 79916 | Fort Bliss | $1,180 |
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 DepartmentThe most expensive ZIP codes in Utah for home insurance
Utah homeowners insurance rates are the most expensive for ZIP code 84401, with an average annual cost of $2,277.
The most expensive ZIP codes in Utah are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Ogden | 84401 | $2,277 |
| Randolph | 84064 | $2,267 |
| Woodruff | 84086 | $2,265 |
| Deweyville | 84309 | $2,262 |
| Mantua | 84324 | $2,243 |
| Collinston | 84306 | $2,222 |
| Layton | 84040 | $2,177 |
| Ogden | 84408 | $2,140 |
| Logan | 84322 | $2,126 |
| Layton | 84041 | $2,124 |
The least expensive ZIP codes in Utah for home insurance
The cheapest ZIP codes for home insurance in Utah are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Enterprise | 84725 | $1,443 |
| Central | 84722 | $1,464 |
| Oakley | 84055 | $1,486 |
| North Salt Lake | 84054 | $1,491 |
| Leeds | 84746 | $1,492 |
| Vernal | 84078 | $1,499 |
| Toquerville | 84774 | $1,508 |
| Goshen | 84633 | $1,555 |
| Teasdale | 84773 | $1,568 |
| Pleasant Grove | 84062 | $1,586 |
Utah homeowners insurance rates by county
Home insurance rates in Utah vary by county. Take a look at the average rates by county in Utah below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Beaver | $1,712 | $143 |
| Box Elder | $1,983 | $165 |
| Cache | $1,908 | $159 |
| Carbon | $1,740 | $145 |
| Daggett | $1,680 | $140 |
| Davis | $1,817 | $151 |
| Duchesne | $1,706 | $142 |
| Emery | $1,731 | $144 |
| Garfield | $1,704 | $142 |
| Grand | $1,698 | $141 |
| Iron | $1,812 | $151 |
| Juab | $1,715 | $143 |
| Kane | $1,688 | $141 |
| Millard | $1,822 | $152 |
| Morgan | $1,838 | $153 |
| Piute | $1,627 | $136 |
| Rich | $2,043 | $170 |
| Salt Lake | $1,757 | $146 |
| San Juan | $1,679 | $140 |
| Sanpete | $1,687 | $141 |
| Sevier | $1,745 | $145 |
| Summit | $1,828 | $152 |
| Tooele | $1,819 | $152 |
| Uintah | $1,663 | $139 |
| Utah | $1,748 | $146 |
| Wasatch | $1,998 | $166 |
| Washington | $1,638 | $137 |
| Wayne | $1,606 | $134 |
| Weber | $1,942 | $162 |
Compare homeowners insurance rates by city in Utah
Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Utah.
City Annual insurance premium
Compare Utah homeowners insurance rates with other states
