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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.

Best home insurance companies in Utah
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
NationwideA+$ 9710.754.18
American FamilyA$ 9940.64.17
FarmersA$ 1,2010.334.16
Auto-OwnersA++$ 1,5780.194.02
State FarmA++$ 1,1451.073.67
USAAA++$ 1,8360.413.34

*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. 

Cheapest home insurance rates in Utah by coverage level
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

$200,000
$1,000
$100,000
94404 - Foster City
Dwelling $200,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $797

HIGHEST RATE: $1,179 LOWEST RATE: $496

Most & least expensive zip codes for homeowners insurance in California

Most Expensive

Zip CodeCityHighest Rate
92325Crestline$1,450
92391Twin Peaks$1,426
92321Cedar Glen$1,425
92352Lake Arrowhead$1,423

Least Expensive

Zip CodeCityLowest Rate
94086Sunnyvale$742
94085Sunnyvale$743
94087Sunnyvale$743
95051Santa 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 codeAverage 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 codeAverage annual rates
84045$ 1,246
84790$ 1,255
84075$ 1,262
84532$ 1,268
84741$ 1,268
84025$ 1,283
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