Average home insurance cost in Utah
Utah sits comfortably in the affordable half of the country at #15 of 51, about 27% below the national average — roughly $680 a year cheaper than the typical American homeowner pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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Utah home insurance FAQ
How much is homeowners insurance in Utah?
Home insurance in Utah averages $1,810 per year — about $151 per month — for a benchmark policy with $400,000 in dwelling coverage, $300,000 liability and a $1,000 deductible. Your rate depends on your home's age, construction, location and claim history.
Is home insurance in Utah more expensive than average?
No. Utah's average of $1,810/year is about 27% below the U.S. average of $2,490/year, ranking #15 of 51 (1 = cheapest).
How can I lower my home insurance bill in Utah?
The four moves that reliably work: compare quotes from at least three carriers (the biggest lever — gaps of $1,000+ per year for identical coverage are common), raise your deductible to an amount you could cover in an emergency, bundle home and auto with one carrier for a 10–25% discount, and ask about discounts for wind-resistant roofing, monitored security systems and claim-free history.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare home insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.