Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Utah Average homeowners insurance cost in Utah Homeowners insurance in Utah costs $1,792 per year or $149 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. Updated on: November 21, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.On average, Utah homeowners insurance costs $1,792 a year, based on Insure.com’s data. Learn more about the average homeowners insurance rates by company and ZIP code in Utah. Key Takeaways Homeowners insurance costs an average of $1,792 a year, based on Insure.com analysis.Of all the ZIP codes in Utah, 84015 has the most affordable home insurance rates at around $1,498 annually.In Utah, State Farm provides the most affordable home insurance at an average annual premium of $1,078. Average home insurance cost in Utah by coverage levelThe average cost of homeowners insurance in Utah is $1,792 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $1,249 per year for homeowners insurance in Utah for $100,000 in liability protection and $1,000 deductible. Below, you can find the average cost of homeowners insurance in Utah for dwelling coverage of $300,000, $400,000 and $500,000.Coverage Average annual rate Average monthly rate200000 with 1000 Deductible and 100000 Liability and None Deductible$1,407$117200000 with 1000 Deductible and 300000 Liability and None Deductible$1,416$118300000 with 1000 Deductible and 100000 Liability and None Deductible$1,792$149300000 with 1000 Deductible and 300000 Liability and None Deductible$1,802$150400000 with 1000 Deductible and 100000 Liability and None Deductible$2,149$179400000 with 1000 Deductible and 300000 Liability and None Deductible$2,161$180600000 with 1000 Deductible and 100000 Liability and None Deductible$2,862$238600000 with 1000 Deductible and 300000 Liability and None Deductible$2,876$2401000000 with 1000 Deductible and 100000 Liability and None Deductible$4,186$3491000000 with 1000 Deductible and 300000 Liability and None Deductible$4,204$350Homeowners insurance companies in Utah decide rates based on risk. They consider your location, claims history, credit history and coverage limit when calculating premiums.If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in UtahIt’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.We have compared the insurers in Utah using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in Utah. Based on the analysis, Auto-Owners received the lowest NAIC score and A++ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best Rating NAIC Complaint IndexOverall scoreAuto-Owners$1,747A++0.335American Family$1,249A0.374.64Farmers$1,508A0.544.06State Farm$1,078A++0.953.78Nationwide$1,254A+0.873.7Average homeowners insurance cost by company in UtahState Farm provides the most affordable homeowners insurance in Utah, with an average annual premium of $1,078. American Family and Nationwide also offer cheap home insurance rates.Shopping around for homeowners insurance can help you save hundreds of dollars annually.Here are the average annual and monthly insurance rates for homeowners in Utah with a policy that provides $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.Company Average annual rate Average monthly rateState Farm$1,078$90American Family$1,249$104Nationwide$1,254$104Farmers$1,508$126Auto-Owners$1,747$146USAA$2,464$205Utah homeowners insurance rates by ZIP codeInsurance companies in Utah assess the risk associated with a specific location. ZIP codes prone to higher crime rates or frequent natural disasters are often classified as high-risk areas, which can lead to increased insurance premiums. The cost of rebuilding or repairing homes in a specific ZIP code can also impact how much you pay for a homeowners insurance policy.Make sure you shop around and compare quotes from various insurance companies to get the best deal on homeowners insurance rates in Utah. Don’t forget to ask about any available discounts, such as bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in UtahHomeowners insurance costs in Utah can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 84015 area has the most affordable insurance rates, at $1,498 annually or $125 monthly.Below are the homeowners insurance rates for the most affordable ZIP codes in Utah.ZIP codeAverage annual rateAverage monthly rate84015$1,498$12584041$1,505$12584742$1,523$12784741$1,559$13084075$1,568$13184532$1,570$13184054$1,595$13384780$1,597$13384010$1,598$13384087$1,599$133Most expensive ZIP codes for home insurance rates in UtahYour ZIP code plays a significant role in determining the cost of your homeowners insurance. In Utah, some areas face higher premiums due to factors like high crime rates, greater risk of natural disasters and higher living expenses.In Utah, 84080 has the highest homeowners insurance rates, at $2,133 per year.Here, we’ve highlighted some of the most expensive ZIP codes in Utah for homeowners insurance:ZIP codeAverage annual rateAverage monthly rate84080$2,133$17884401$2,076$17384309$2,008$16784340$2,004$16784329$1,995$16684022$1,993$16684304$1,990$16684307$1,982$16584310$1,980$16584302$1,973$164Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Utah by cityRedmondSanta ClaraSouth JordanWest JordanHome insurance rate trend in UtahWe analyzed home insurance rate trends in Utah and found that homeowners insurance rates experienced an overall increase of 27% or $381, from 2022 to 2023.The data below shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$1,107$1,411$1,792To choose the right homeowners insurance, it’s important to conduct thorough research and compare rates from various insurers, as each evaluates risk differently. Comparing quotes from at least three companies can help you secure the most affordable coverage in Utah.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Utah Average renters insurance cost in Utah Average car insurance cost in Utah Non-owner car insurance in Utah How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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