Renters insurance in Utah: Cost, best companies and how to save

What is the average cost of renters insurance in Utah?

The average cost of renters insurance in Utah is $183 per year. Rates vary depending on factors like your location, the amount of coverage you choose, your deductible, and your claims history.

"The number one thing that's most important is to get good liability. A renter's policy will default to $100,000 liability," Josiah Hatch, an insurance pro with Bender Hatch Insurance in Boston, said. "It costs next to nothing to go from $100,000 to $500,000. I want to say it's probably 10 bucks a year. It's really cheap to get a lot of extra coverage. I always recommend getting the most liability you can because that's, at its core, what insurance is all about: the worst-case scenario."

Average annual premium	$183
Average monthly premium	$15

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Best renters insurance company in Utah: Nationwide

Among the carriers surveyed, Nationwide is the best renters insurance company in Utah, with a top score and an average renters insurance rate of $145.

State Farm and Allstate are the other best insurance companies for renters insurance in Utah.

Rates differ widely between renters insurance providers, so it's best to shop around. It's also important to choose an insurance company with a good reputation so you know it will be there for you when you need it.

To help you choose the best renters insurance in Utah, we reviewed average rates, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

Below are the best renters insurance companies in Utah.

Company	Average annual premium	AM Best	NAIC	Insurance.com rating
Nationwide	$145	A+	0.87	5
State Farm	$146	A++	0.95	4.98
Allstate	$146	A+	0.9	4.9
Auto-Owners	$181	A++	0.33	4.68
American Family	$216	A	0.37	4.19
Mutual of Enumclaw	$269	A	0.06	3.71

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Cheapest renters insurance in Utah

Iowa Farm bureau is the cheapest renters insurance company in Utah, with an average annual premium of $136, based on our analysis.

Since renters insurance rates vary significantly from one provider to another, comparing quotes is the best way to find affordable coverage that fits your needs.

Below is the list of the cheapest renters insurance companies in Utah and their average annual premiums.

Company name	Average annual premium
Iowa Farm bureau	$136
Nationwide	$145
Allstate	$146
State Farm	$146
Auto-Owners	$181
American Family	$216
Mutual of Enumclaw	$269
USAA	$204

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Utah renters insurance: The least and most expensive ZIP codes

Where you live in Utah directly affects the cost of your renters insurance. The most expensive ZIP code in Utah is 84080, where the average annual premium is $214. This is $31 more than higher than the average rate.

On the other hand, 84305 is the least expensive ZIP code for renters insurance with an average annual premium of $174 a year.

Best home insurance companies in Texas

Most expensive ZIP code
Least expensive ZIP code

ZIP code	Average annual rate
84080	$214
84005	$201
84628	$200
84316	$200
84753	$198
84071	$197
84022	$195

ZIP code	Average annual rate
84305	$174
84045	$197
84013	$198
84316	$200
84628	$200
84005	$201
84080	$214

Renters insurance cost in Utah by city

Renters insurance rates vary widely across cities in Utah, driven by factors such as weather risks, crime rates, and other factors. To find the best deal in your city, you should consider these factors and compare quotes from multiple insurers before choosing a policy.

City	Annual insurance premium
Layton	$188
Ogden	$184
Orem	$193
Provo	$189
Salt Lake City	$190
Sandy	$195
South Jordan	$186
St. George	$187
West Jordan	$195
West Valley City	$195

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How to save on renters insurance in Utah

There are several easy ways to lower the cost of renters insurance in Utah without losing necessary coverage:

Bundle your policies. Many insurance companies offer a discount if you buy renters and auto insurance together.
Increase your deductible. Choosing a higher deductible will lower your monthly or yearly premium; just ensure you can afford it.
Ask about discounts. Most providers offer savings for things like smoke alarms, security systems, or being claims-free.
Compare quotes. Prices can vary widely between companies, so getting quotes from multiple insurers can help you find the best deal.
Pay annually. Some insurers offer a small discount if you pay once a year instead of monthly.

Methodology

Insurance.com compared renters insurance rates provided by Quadrant Information Services for $40,000 personal property coverage with a $1,000 deductible and $100,000 liability coverage for all available ZIP codes based on a renter with good credit. To rank the best insurance companies, we gathered AM Best financial stability ratings, where an A++ is the best possible score, and National Association of Insurance Commissioners (NAIC) complaint ratios, which compare the number of complaints a company receives to the anticipated complaint volume based on market share. These factors were used along with rates to find the best companies overall.

FAQ: Utah renters insurance

Do I need renters insurance in Utah?

Renters insurance isn't required by law, but your landlord may require you to purchase a policy as part of your lease agreement.

How much renters insurance do I need in Utah?

You should make sure your personal property coverage is sufficient to replace all of your belongings at replacement cost; there is no minimum requirement.