A well-made home is a great investment, and one of the best ways to protect that investment is by purchasing the right homeowners insurance policy.
Progressive tops the list of best homeowners insurance companies in Utah. It has earned 821 scores out of 1000 from J.D. Power and A.M. Best rated it A+, which is the second-highest ratings they offer.
Whereas American Family is one of the cheapest homeowners insurance companies, its average annual premium is $1,007.
With all these different options, it's no wonder that many people are left feeling confused. But don't worry, we have got you covered. In this guide, you will find everything you need to know about Utah home insurance companies.
Along with the best home insurance companies, you will also find a list of the least and most expensive ZIP codes for Utah homeowners. All this information will help you find affordable homeowners insurance.
- Best home insurance companies in Utah
- Compare best homeowners insurance companies in Utah
- Average cost of homeowners insurance in Utah
- 10 Most expensive zip codes in Utah for homeowners insurance
- 10 Least expensive zip codes in Utah for homeowners insurance
- Cheap homeowners insurance in Utah
- Home and auto bundle discounts in Utah
Best home insurance companies in Utah
If you're looking for the best homeowners insurance company in Utah, we've got you covered. We've compiled a list of some of the top-rated insurers in the state and compared their rates, their customer satisfaction rating, J.D. Power score, claims handling and AM Best rating to help make your decision easier. Here is the list of best home insurance companies in Utah:
- Progressive
- Farmers
- Hartford
- American Family
- Liberty Mutual
Compare best homeowners insurance companies in Utah
There are many great home insurance carriers in Utah, but not all of them offer the same home insurance coverage options and affordable home insurance premiums. We have compared rates from top insurance providers and selected the best homeowners insurance companies for you based on Insurance.com's analysis. These leading providers offer competitive prices and provide excellent customer service, also you can find their J.D Power scores and A.M Best ratings in the table below.
| Company | Overall rating | J.D. Power score | AM Best rating |
|---|---|---|---|
| Progressive | 5 | 821 | A+ |
| Farmers | 4 | 813 | A |
| Hartford | 4 | 798 | A+ |
| American Family | 3 | 831 | A |
| Liberty Mutual | 3 | 806 | A |
| Travelers | 3 | 800 | A++ |
Average cost of homeowners insurance in Utah
The average home insurance rate in Utah is $1,378 a year, or $115 a month-- $927 less than the national average ($2,305).
Many factors go into determining the home insurance costs in Utah. ZIP code, home's size, and construction, and the amount of insurance coverage you need are some of the factors that an insurance company takes into account when calculating your average home insurance premium.
| Average annual premium | Average monthly premium |
|---|---|
| $1,378 | $115 |
10 Most expensive zip codes in Utah for homeowners insurance
Factors like your home's value, local crime rate, and weather risks such as floods affect your home insurance rates in Utah. If you live in an area with high crime rates or your area is at risk of severe weather conditions, then your insurance rates may be high.
For instance, the most expensive ZIP code for homeowners insurance in Utah is 84728; its average insurance rate is $1,111.
We have compared rates from major Utah homeowners insurance companies across all the ZIP codes and put together a list of the 10 most expensive ZIP codes in Utah.
| ZIP code | Average annual rate |
|---|---|
| 84728 | $1,111 |
| 84053 | $1,107 |
| 84073 | $1,101 |
| 84007 | $1,097 |
| 84539 | $1,092 |
| 84002 | $1,090 |
| 84644 | $1,089 |
| 84032 | $1,087 |
| 84121 | $1,086 |
| 84098 | $1,085 |
10 Least expensive zip codes in Utah for homeowners insurance
Insurance companies use different factors to determine your home insurance rate, one of them is the place where you live. That's why prices vary greatly based on the ZIP code for any given area.
The least expensive ZIP code for home insurance in Utah is 84075; its average insurance rate is $957--- $421 less than the state average.
Below are the ten least expensive ZIP codes in Utah for homeowners insurance, based on Insurance.com's rate analysis.
| ZIP code | Average annual rate |
|---|---|
| 84075 | $957 |
| 84056 | $966 |
| 84025 | $972 |
| 84037 | $975 |
| 84087 | $980 |
| 84015 | $987 |
| 84041 | $992 |
| 84601 | $995 |
| 84790 | $996 |
| 84045 | $998 |
Cheap homeowners insurance in Utah
American Family, Farmers, and Travelers are the top three cheapest homeowners insurance companies in Utah. This data is collected from major insurers for nearly every ZIP code in the state and averaged by coverage level and company.
The first thing to know about home insurance is that it's different for every homeowner. Your home insurance premium depends on factors like the construction materials used in your house, its age and location, etc. Therefore, it's important to compare homeowners insurance costs from different insurers before making a decision. Comparison shopping can help you save hundreds of dollars annually.
Below are the cheapest home insurance companies along with their average annual premium-
| Company name | Average annual premium |
|---|---|
| American Family | $1,007 |
| Farmers | $1,019 |
| Travelers | $1,055 |
| Allstate | $1,083 |
| Nationwide | $1,162 |
| Liberty | $1,292 |
| USAA | $1,453 |
| Garrison | $1,616 |
| Fire Insurance | $1,643 |
| State Farm | $1,722 |
| Auto Owners | $9,902 |
Home and auto bundle discounts in Utah
One of the best ways to save on your homeowners insurance cost is by bundling home-auto insurance policies. If you purchase your auto and home insurance policies from the same company, you can save an average of $209 a year or 19%, based on Insurance.com's rate analysis.
Know-how major carriers in Utah compare when it comes to home-auto bundle discount savings in the table below.
| Company | $ Bundle average saving | % Bundle average saving |
|---|---|---|
| State Farm | $382 | 34% |
| Nationwide | $303 | 25% |
| USAA | $276 | 16% |
| Allstate | $273 | 30% |
| Farm Bureau | $232 | 25% |
| Fire Ins Exch | $165 | 10% |
| American Family | $148 | 16% |
| Auto Owners | $143 | 14% |
| Farmers | $129 | 19% |
| Travelers | $40 | 4% |
