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 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.

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.

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
$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 refreshed as of Apr 2024

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

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

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.

CityAnnual insurance premium
Layton
$1,102
Ogden
$1,146
Orem
$1,084
Provo
$1,109
Salt Lake City
$1,069
Sandy
$1,162
South Jordan
$1,098
St. George
$1,040
West Jordan
$1,071
West Valley City
$1,062

Compare homeowners insurance rates with other states

Alabama
$3,066/year
Alaska
$1,799/year
Arizona
$1,966/year
Arkansas
$4,073/year
Colorado
$3,388/year
Connecticut
$2,100/year
Delaware
$1,389/year
Florida
$4,218/year
Georgia
$2,163/year
Hawaii
$582/year
Idaho
$1,892/year
Illinois
$2,604/year
Indiana
$2,721/year
Iowa
$2,402/year
Kansas
$4,665/year
Kentucky
$3,163/year
Louisiana
$3,481/year
Maine
$1,407/year
Maryland
$1,630/year
Massachusetts
$1,518/year
Michigan
$2,607/year
Minnesota
$2,327/year
Mississippi
$3,398/year
Missouri
$3,349/year
Montana
$2,874/year
Nebraska
$4,624/year
Nevada
$1,457/year
New Hampshire
$1,144/year
New Jersey
$1,299/year
New Mexico
$2,542/year
New York
$1,728/year
North Carolina
$2,768/year
North Dakota
$2,946/year
Ohio
$2,017/year
Oklahoma
$4,945/year
Oregon
$1,503/year
Pennsylvania
$1,760/year
Rhode Island
$1,774/year
South Carolina
$2,727/year
South Dakota
$3,529/year
Tennessee
$2,870/year
Texas
$4,142/year
Vermont
$1,175/year
Virginia
$1,999/year
Washington
$1,659/year
West Virginia
$1,801/year
Wisconsin
$1,508/year
Wyoming
$1,801/year
Show more
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