Nationwide is the best homeowners insurance company in Utah, based on a 2023 analysis by Insurance.com, with an overall rating of 4.18. American Family is the second-best home insurance company in Utah, with an overall rating of 4.17.
Nationwide also offers the cheapest home insurance in Utah at all coverage levels.
With so many options out there, it is not easy to choose a homeowners insurance company in Utah. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, then keep on reading this guide.
Key takeaways
- The average cost of homeowners insurance in Utah is $1,421 a year or $118 a month.
- The cheapest homeowners insurance company in Utah is Nationwide, with an average home insurance rate of $971 a year.
- Nationwide also ranks as the best homeowners insurance company in Utah for 2023.
Average home insurance cost in Utah
The average cost of homeowners insurance in Utah is $1,421 a year or $118 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.
Best home insurance companies in Utah
The best home insurance company in Utah for 2023 is Nationwide, followed by American Family and Farmers.
Below is a full list of the top Utah insurance companies 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 companies in Utah
Below are Utah home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see Nationwide has the most affordable rates in every category.
| Company | $200,000 | $300,000 | $400,000 | $500,000 | $600,000 |
|---|---|---|---|---|---|
| Nationwide | $ 748 | $ 971 | $ 1,198 | $ 1,494 | $ 1,821 |
| American Family | $ 815 | $ 994 | $ 1,168 | $ 1,339 | $ 1,509 |
| Farmers | $ 883 | $ 1,201 | $ 1,524 | $ 1,852 | $ 2,188 |
| State Farm | $ 958 | $ 1,145 | $ 1,337 | $ 1,595 | $ 1,829 |
| Auto-Owners | $ 1,206 | $ 1,578 | $ 2,048 | $ 2,479 | $ 2,860 |
| USAA | $ 1,502 | $ 1,836 | $ 2,097 | $ 2,331 | $ 2,549 |
*USAA only provides coverage to military members, veterans and their families.
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 CALIFORNIA
AVERAGE RATE: $797
Most & least expensive zip codes for homeowners insurance in California
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 92325 | Crestline | $1,450 |
| 92391 | Twin Peaks | $1,426 |
| 92321 | Cedar Glen | $1,425 |
| 92352 | Lake Arrowhead | $1,423 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 94086 | Sunnyvale | $742 |
| 94085 | Sunnyvale | $743 |
| 94087 | Sunnyvale | $743 |
| 95051 | Santa Clara | $743 |
The most expensive ZIP codes in Utah for home insurance
Utah homeowners insurance rates are the most expensive for ZIP code 84307 with an average annual cost of $1,565.
The most expensive ZIP codes in Utah are:
| ZIP code | Average annual rates |
|---|---|
| 84307 | $ 1,565 |
| 84312 | $ 1,558 |
| 84311 | $ 1,554 |
| 84301 | $ 1,546 |
| 84050 | $ 1,537 |
| 84092 | $ 1,537 |
The least expensive ZIP codes in Utah for home insurance
The cheapest ZIP codes for home insurance in Utah are:
| ZIP code | Average annual rates |
|---|---|
| 84045 | $ 1,246 |
| 84790 | $ 1,255 |
| 84075 | $ 1,262 |
| 84532 | $ 1,268 |
| 84741 | $ 1,268 |
| 84025 | $ 1,283 |
