Key Takeaways
- Farm Bureau and American Family share the cheapest average home insurance rate in Utah, at $79 a month.
- Utah's average home insurance rate is 42% cheaper than the national average.
- American Family has the highest customer satisfaction score of 842 out of 1,000 among home insurers in the J.D. Power 2022 U.S. Home Insurance Study.
In this article
Utah's cheapest home insurance companies
Farm Bureau and American Family both have the cheapest home insurance in Utah, at an average $79 a month. Allstate is next, at $83.
| Company | Average monthly rate |
|---|---|
| Farm Bureau | $79 |
| American Family | $79 |
| Allstate | $83 |
| State Farm | $90 |
| USAA | $100 |
| Travelers | $103 |
| Farmers | $118 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
How much does home insurance cost in Utah?
The average cost of homeowners insurance in Utah is $93 a month. This is 42% cheaper than the national average home insurance rate of $159 a month.
When home insurance companies calculate a quote for you, they look at many different factors, including:
- The age of your home
- Your ZIP code
- Materials used for construction
- Your insurance claim history
When looking for a standard home insurance policy, you'll notice that most companies have similar offerings. The reason why there's such a range of prices for relatively similar coverage is because insurers weigh claim risks differently.
For example, one provider may consider the age of your home a higher risk than another company, leading to a different premium. To get the best coverage for the best price, compare home insurance quotes from multiple providers.
Your deductible also affects how much you pay for home insurance. If you choose a high deductible, you pay a cheaper rate. The table below shows how the average home insurance rate in Utah changes with different deductibles.
| Deductible | Average annual rate |
|---|---|
| $500 | $1,054 |
| $1,000 | $995 |
| $1,500 | $948 |
| $2,000 | $922 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
The amount of dwelling coverage you choose for your policy also influences your premium. You want enough dwelling coverage to rebuild your home in the event of a total loss. The table below shows average rates in Utah based on different dwelling coverage limits.
| Dwelling coverage limit | Average annual rate |
|---|---|
| $200,000 | $995 |
| $350,000 | $1,153 |
| $425,000 | $1,333 |
| $500,000 | $1,540 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Compare quotes from top home insurance companies
Best homeowners insurance companies in Utah
Of the home insurance companies we surveyed in Utah, American Family has the best customer satisfaction trends, while Allstate offers the best discounts.
American Family: Best customer satisfaction
While Farm Bureau and American Family share the same lowest average home insurance rate of $79 a month in Utah, American Family comes out ahead by the strength of its customer satisfaction.
J.D. Power gave American Family a score of 842 out of 1,000 for overall satisfaction in its 2022 U.S. Home Insurance Study. This puts American Family at the highest ranking of the companies included in the study in Utah.
Allstate: Best discounts
Allstate has an average monthly rate of $83 in Utah, 11% cheaper than the state average rate of $93 a month. Allstate tends to maintain low premiums by offering a wide array of discounts. These include:
Multipolicy discount: If you bundle your home insurance with an auto or life insurance policy, you can save up to 25% on your annual insurance costs.
Early signing discount: You can save up to 10% on your homeowners insurance by signing up for a policy with Allstate at least seven days before the expiration date of your current policy.
Welcome and loyalty discount: When you first sign up with Allstate, you'll get a 10% discount that remains for the duration of the time you carry the policy.
Claim-free discount: Sign up for a policy with Allstate with no recent home insurance claims and save up to 20% on your premium. Furthermore, you get 5% of your premium back at renewal time every year you don't file a claim.
Customer service ratings for home insurance companies in Utah
Of the top homeowners insurance companies in Utah we surveyed, American Family has the highest customer service rating of 842. While USAA has a higher customer service rating, it is not ranked in J.D. Power's 2022 U.S. Home Insurance Study because USAA only offers insurance to military members and their families.
Of the biggest home insurance providers in Utah, Travelers has the lowest NAIC Complaint Index of 0.02.
Home insurance company customer satisfaction scores
| Company | Overall satisfaction score |
|---|---|
| Allstate | 815 |
| American Family | 842 |
| Farm Bureau | NA |
| Farmers | 792 |
| Nationwide | 816 |
| State Farm | 829 |
| USAA* | 884 |
| Source: J.D. Power 2022 U.S. Home Insurance Study. *Brand is not rank eligible because it does not meet study award criteria. | |
J.D. Power's customer service rankings are based on customer satisfaction with an insurer's interaction, policy offerings, price, billing process, policy information and claims processes.
Home insurance company complaint ratings
| Company | Complaint Index |
|---|---|
| Allstate | 0.33 |
| American Family | 0.16 |
| Farm Bureau | NA |
| Farmers | 0.3 |
| State Farm | 0.35 |
| Travelers | 0.02 |
| USAA | 0.31 |
| Source: National Association of Insurance Commissioners (2023) | |
The NAIC Complaint Index rates policyholders' claim-based complaints filed with state insurance departments in comparison to companies of similar size.
Cheapest home insurance in Utah by city
Of the 10 biggest cities in Utah, St. George has the most affordable homeowners insurance rate, at an average $1,070 a year. Ogden has the highest average rate, $1,138 a year.
| City | Average annual rate |
|---|---|
| St. George | $1,070 |
| South Jordan | $1,081 |
| West Jordan | $1,092 |
| West Valley City | $1,094 |
| Lehi | $1,095 |
| Salt Lake City | $1,110 |
| Sandy | $1,124 |
| Orem | $1,127 |
| Provo | $1,130 |
| Ogden | $1,138 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance in St. George
American Family has the lowest rate for homeowners insurance in St. George, averaging $880 a year. Farm Bureau is second-cheapest, at $917 a year.
| Company | Average annual rate |
|---|---|
| American Family | $880 |
| Farm Bureau | $917 |
| State Farm | $943 |
| Allstate | $954 |
| USAA | $1,170 |
| Travelers | $1,179 |
| Farmers | $1,449 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance in South Jordan
Farm Bureau has the lowest average rate for homeowners insurance in South Jordan, at $872 a year. American Family is second-cheapest, at $902 a year.
| Company | Average annual rate |
|---|---|
| Farm Bureau | $872 |
| American Family | $902 |
| State Farm | $1,024 |
| USAA | $1,077 |
| Allstate | $1,117 |
| Travelers | $1,177 |
| Farmers | $1,399 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance in West Jordan
American Family has the cheapest homeowners insurance in West Jordan, charging an average $909 a year. Farm Bureau is second-cheapest, at $915 a year.
| Company | Average annual rate |
|---|---|
| American Family | $909 |
| Farm Bureau | $915 |
| USAA | $1,013 |
| State Farm | $1,053 |
| Allstate | $1,117 |
| Travelers | $1,195 |
| Farmers | $1,442 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
See how much you could save on home insurance
Cheapest home insurance in Utah by county
Of the 10 largest counties in Utah, Davis County has the most affordable average homeowners insurance rate of $1,087 a year. Tooele County is the most expensive, at $1,162 a year.
| County | Average annual rate |
|---|---|
| Davis | $1,087 |
| Iron | $1,091 |
| Washington | $1,106 |
| Cache | $1,108 |
| Salt Lake | $1,108 |
| Summit | $1,115 |
| Utah | $1,123 |
| Box Elder | $1,134 |
| Carbon | $1,151 |
| Tooele | $1,162 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Frequently asked questions
How much is home insurance in Utah?
Utah homeowners insurance costs an average $93 a month, 42% cheaper than the national average.
Which home insurance company has the cheapest rates in Utah?
Both Farm Bureau and American Family share the lowest rate for home insurance in Utah, at an average $79 a month.
What other insurance should Utah homeowners consider?
Earthquakes and flooding are common in Utah. Neither natural disaster is covered by a standard home insurance policy. As such, you should talk with your agent about earthquake insurance and flood insurance.
Methodology
We collected quotes from every ZIP code in Utah for a standard HO-3 homeowners insurance policy using the following coverages:
- $275,000 dwelling (unless otherwise noted)
- $27,500 other structures
- $137,500 personal property
- $55,000 loss of use
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible (unless otherwise noted)
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