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When you rent a house or apartment, your property owner typically has insurance to cover the exterior of the building. But what happens if someone trips and falls into your apartment? The landlord's policy will not cover that. You need renters insurance for those claims.

Renters insurance can help protect your property from unexpected damage by providing you with low-cost coverage. There are many renters insurance companies in Utah, but not all of them are worth your time. We’ve compared the best renters insurance companies based on their average renters insurance premium and customer service rating to make your job easier.

Best renters insurance companies in Utah

When it comes to choosing the best renters insurance company in Utah, you want to make sure that you are comparing apples to apples. Our experts at have compared quotes, coverage options and J.D Power score from all the major insurers in Utah. Below is the list of best renters insurance companies in Utah:

  • USAA
  • State Farm
  • American Family
  • Nationwide
  • Allstate

Compare best renters insurance companies in Utah

USAA is our top pick for the best renters insurance company in Utah. Its average rate for Utah residents is $314 and earned the highest J.D. Power score (893) among the carriers surveyed.   However, only military members, veterans and their families are eligible for renters insurance from USAA.

You can get renters insurance from carriers like State Farm, American Family, Nationwide, Allstate, Farmers, and Travelers. All these companies provide the most affordable renters insurance policies and they have earned good scores from J.D. Power.

There are a lot of different options for renters insurance in Utah. How do you know which one is the best for you? Compare the average rate and J.D. Power score of the insurance providers mentioned below to find the best renters insurance company for your rented home or apartment.

CompanyJ.D. Power scoreAverage annual rate
State Farm866$192
American Family838$241

How much is renters insurance in Utah

The average annual premium cost for renters insurance in Utah is $330 or $27 a month. The recommended coverage level for renters insurance is $100,000 for liability protection, $40,000 of personal property coverage, with a $1,000 deductible.

Although prices differ depending on your location within the state, coverage limits, and value of your belongings. Make sure you compare price quotes from all the major insurance companies to get a standard renters insurance policy. 

Average annual premiumAverage monthly premium

10 Most expensive zip codes in Utah for renters insurance

The cost of renters insurance in Utah can vary depending on where you live. There are certain areas that are more prone to theft and higher crime rates that lead to costly renters insurance premiums. The most expensive zip code for renters insurance in Utah is 84116, its average annual rate is $360.

Below is a list of the 10 most expensive zip codes in Utah for renters insurance.

ZIP codeAverage annual rate

10 Least expensive zip codes in Utah for renters insurance

We have gathered quotes from major insurance carriers across all the zip codes and found that the least expensive zip code for renters insurance is 84038, its average rate is $313 annually. 

Here are the least expensive zip codes for renters insurance in Utah.

ZIP codeAverage annual rate

Cheap renters insurance in Utah by carrier

Travelers is the cheapest renters insurance company in Utah that provides renters insurance coverage policy at an average of $164 a year, based on's rate analysis. 

There are many insurance companies that offer cheap renters insurance policies. Some of the best deals can be found by shopping around and comparing rates. The table below shows some of the cheapest renters insurance providers in the state.

Company nameAverage annual premium
State Farm$185
Fire Ins Exch$208
American Family$225
Auto Owners$1,384