Cheapest Home Insurance in Utah


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Key Takeaways

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Farmers, American Family and Nationwide offer the lowest-cost home insurance in Utah, with potential savings of up to 89%.

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Farmers offers the cheapest homeowners insurance if you own a new home or have bad credit.

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American Family offers the most affordable home coverage for those in high-risk fire areas in Utah.

What is the Cheapest Home Insurance in Utah?

Farmers is the cheapest home insurance option for most homeowners in Utah, with an average monthly savings of $442. Below is a summary of the most affordable providers in the state.

Farmers$57$68942%
American Family$78$93921%
Nationwide$89$1,06410%
Farm Bureau$93$1,1216%

*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.

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THE CHEAPEST COMPANY MAY NOT BE THE BEST FOR YOU

While these companies may offer the lowest rates in Utah, evaluating their customer service reputation and coverage options is important. To help, we’ve created a separate guide to the best home insurance companies in Utah, providing a more comprehensive overview.

Cheapest Utah Home Insurance Rates by Category

While we’ve listed the cheapest options for most homeowners, those rates may not reflect your specific situation. For instance, while Farmers is typically the cheapest overall, Farmers offers the best rates for newer homes. To help, we’ve outlined the cheapest companies on average for common categories, like bad credit scores with Nationwide.

FarmersOlder Homes$57
FarmersNewer Homes$42
American FamilyHomes in High Risk Fire Areas$78
NationwideBad Credit$133

*Rates are modified based on our methodology’s base profile. Newer home estimates are based on a home built in 2023, high-risk fire estimates are for a policy with 8-class fire protection, and bad credit rates assume a poor credit score on the FICO scale.

Compare Personalized Cheap Utah Home Insurance

The companies listed above typically provide the best rates for their categories, but actual rates vary based on your unique profile. Use the filter below to get a personalized list of the cheapest providers for your situation.

Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Claims History:Claim free for 5+ years
Select
Credit Tier:Good
Select
Home Age:Older Homes
Farmers$66$791
American Family$78$939
Nationwide$86$1,035
State Farm$96$1,155
Farm Bureau$98$1,178

Cheapest Utah Home Insurance By City

Risk factors for insurers vary by location, making some providers more affordable than others. For example, Farmers is the cheapest in most Utah cities. However, in certain areas, other providers like State Farm and Nationwide might offer more competitive rates.

ProvoFarmers$63
Salt Lake CityFarmers$68
West JordanFarmers$67
West Valley CityFarmers$67

*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.

How To Find the Cheapest Utah Home Insurance for You

Finding affordable home insurance in Utah can be challenging, but you can significantly lower your costs with some effort. Below are our core recommendations to help you maximize savings on your policy.

  1. 1

    Determine your coverage needs

    It's easy to get oversold on coverage when you don't have limits in mind before buying. Determine your home insurance coverage needs beforehand to avoid purchasing too much. Understanding the different types of home protection available helps ensure you don't miss something important.

  2. 2

    Research home insurance cost information

    Evaluate home insurance costs in Utah to understand competitive pricing in your market. Verify with agents about discount programs you might qualify for because these aren't automatically included in initial quotes.

  3. 3

    Bundle your policies

  4. 4

    Compare multiple companies apples to apples

    To ensure you’re getting a good deal, compare quotes for the same coverage. Once aligned, gather as many quotes as possible using different methods to find the best rate.

Cheap Home Insurance Utah: Bottom Line

Farmers, American Family, and Nationwide offer the most affordable home insurance in Utah, with plans starting at just $57 a month. Should traditional coverage be out of reach, Utah's TFPA program provides a safety net with low-cost policies. It's wise to shop around, though. Compare different insurers, examine costs, and pinpoint exactly what coverage you need before you commit.

Cheapest Home Insurance Utah: FAQ

Below are answers to frequently asked questions about the cheapest home insurance in Utah.

What is the cheapest home insurance company in Utah?

How expensive is home insurance in Utah?

How much is home insurance in Utah?

How much home insurance do I need?

How We Found the Cheapest Home Insurance Companies in Utah

To determine the cheapest home insurance companies in Utah, we assumed the following base profile:

  • $250K dwelling coverage
  • $125K personal property coverage
  • $200K liability coverage
  • Home built in 2000
  • Frame construction
  • Composition roof
  • $1,000 all perils deductible
  • No claims in the past 5+ years
  • 3-class fire protection

All other combinations were adjusted based on this profile to provide a more accurate comparison for your specific situation. However, these figures are estimates, and we recommend comparing quotes from multiple providers to secure the best deal.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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