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.
Cheapest Home Insurance in Utah
Utah's cheapest home insurance rates start at $42 per month, and the most affordable companies are Farmers, American Family and Nationwide.
Get affordable home insurance quotes below.

Updated: May 27, 2025
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Key Takeaways
Farmers, American Family and Nationwide offer the lowest-cost home insurance in Utah, with potential savings of up to 89%.
Farmers offers the cheapest homeowners insurance if you own a new home or have bad credit.
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 | $57 | $689 | 42% |
American Family | $78 | $939 | 21% |
Nationwide | $89 | $1,064 | 10% |
Farm Bureau | $93 | $1,121 | 6% |
*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.
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.
Farmers | Older Homes | $57 |
Farmers | Newer Homes | $42 |
American Family | Homes in High Risk Fire Areas | $78 |
Nationwide | Bad 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.
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.
Provo | Farmers | $63 |
Salt Lake City | Farmers | $68 |
West Jordan | Farmers | $67 |
West Valley City | Farmers | $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
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
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.
- 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?
Farmers offers the lowest rates for newer homes in Utah at $42 per month or $506 per year. However, homeowners with older properties or higher fire protection needs may find better rates with American Family or Nationwide.
How expensive is home insurance in Utah?
Utah has the 37th-highest home insurance rates in the U.S.
How much is home insurance in Utah?
You should secure home insurance that covers the complete replacement cost of your home, along with the total value of your possessions and special items. While home insurance isn't mandated by law, mortgage lenders require sufficient dwelling coverage for full home replacement in case of total loss. Coverage should also consider the cost of personal belongings, risk factors based on your area, and items deemed irreplaceable.
How much home insurance do I need?
You should secure home insurance that covers the complete replacement cost of your home, along with the total value of your possessions and special items. While home insurance isn't mandated by law, mortgage lenders require sufficient dwelling coverage for full home replacement in case of total loss. Coverage should also consider the cost of personal belongings, risk factors based on your area, and items deemed irreplaceable.
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, 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.