Utah homeowners still pay less than the U.S. average for home insurance overall, but premiums have risen since 2021 due to higher rebuilding costs, catastrophe losses and reinsurance pressures. Reviews.com breaks down strong options and current cost context to help you compare policies with up-to-date 2025 insights.
The 4 Best Home Insurance Companies in Utah
To find the best homeowners insurance companies in Utah, our editorial team reviewed current 2025 quote-based averages from Bankrate, cross-checked with NerdWallet and ValuePenguin, and weighed coverage offerings, discounts, digital tools, claims handling, complaint trends, financial strength, and the latest customer satisfaction results from J.D. Power’s U.S. Home Insurance Study. These four companies rose to the top based on that mix of cost and experience factors:
- Acuity: Best for Add-On Options
- American Family: Best for Discounts
- Auto-Owners: Best for Local Agents
- Nationwide: Best for Claims Satisfaction
Compare the Best Home Insurance Companies in Utah
While we chose these four companies as the best based on our research method, the best company for you will depend on your personal situation. Use this as a starting point and always compare multiple quotes — in Utah, insurer-to-insurer prices for the same profile can differ by more than 2x depending on ZIP code, roof age, credit tier, and coverage selections.
| Average Annual Premium* | AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power** J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|
| Pin Acuity | $590 | A+ | Not rated | |
| Pin American Family | $526 | A | 831/1,000 | |
| Pin Auto-Owners | $662 | A++ | 831/1,000 | |
| Pin Nationwide | $573 | A+ | 812/1,000 |
Information updated for 2025
*Historic 2021 premium data provided by Bankrate.com for $250,000 in dwelling coverage; current 2025 Utah averages for a standard profile (~$300,000 dwelling, $1,000 deductible) are typically in the low-to-mid $1,000s per year
**J.D. Power’s 2024 U.S. Home Insurance Study. Based on a 1,000-point scale.
Best for Add-On Options
WHY WE CHOSE IT
Why we chose it
Pros
- Low average rate
- Numerous optional coverage types available
- Helpful blog posts
Cons
- Few discounts advertised
- Not rated by J.D. Power for customer satisfaction
- Fewer digital tools than other companies
OTHER POLICIES OFFERED
- Auto
- Motorcycle
- Condo
- Renters
STANDOUT DISCOUNTS AVAILABLE
- Bundling
Best for Discounts
WHY WE CHOSE IT
Why we chose it
Pros
- Numerous discounts
- Low average rate
- Above-average J.D. Power customer satisfaction score
Cons
- Not available nationwide
- Cannot purchase online, can only quote
OTHER POLICIES OFFERED
- RV and camper
- Boat
- Manufactured home
- Pet
STANDOUT DISCOUNTS AVAILABLE
- Age of home
- Loyalty
- Generational
- Renovated home
Best for Local Agents
WHY WE CHOSE IT
Why we chose it
Pros
Cons
Best for Claims Satisfaction
WHY WE CHOSE IT
Why we chose it
Pros
- High J.D. Power claims satisfaction score
- Numerous endorsements
- Several discounts
Cons
- No options for mobile or manufactured homes
- Digital tools are poorly rated by J.D. Power
- Not available nationwide
OTHER POLICIES OFFERED
- Auto
- Snowmobile
- Classic car
- Renters
STANDOUT DISCOUNTS AVAILABLE
- Smart home
- Gated community
- Prior insurance
- Home renovation
*Historic 2021 premium data provided by Bankrate.com for $250,000 in dwelling coverage; current 2025 modeled averages for a standard profile (~$300,000 dwelling, $1,000 deductible) generally fall in the low-to-mid $1,000s in Utah and the low-to-mid $2,000s nationally
**J.D. Power’s 2024 U.S. Home Insurance Study. Based on a 1,000-point scale.
The Average Cost of Homeowners Insurance in Utah
How much is homeowners insurance in Utah in 2025? Recent quote-based studies place a standard HO-3 policy (about $300,000 in dwelling coverage, $300,000 liability and a $1,000 deductible) in the low-to-mid $1,000s per year, several hundred dollars below comparable U.S. averages in the low-to-mid $2,000s. See current estimates from Bankrate, NerdWallet and ValuePenguin. For an official (but lagged) benchmark, the Insurance Information Institute’s NAIC-based statewide average expenditure through 2022 also shows Utah well below the national average; note that this measure differs from today’s quote-based shopping figures (Insurance Information Institute).
Top 3 Cheapest Homeowners Insurance Companies in Utah (historical 2021 snapshot; current results vary)
| Company | Average Annual Premium* |
| Mutual of Enumclaw | $446 |
| Travelers | $490 |
| American Family | $526 |
*Historical data (2021) from Bankrate.com; 2025 averages vary by ZIP, coverage and insurer
Top 3 Most Expensive Homeowners Insurance Companies in Utah (historical 2021 snapshot; current results vary)
| Company | Average Annual Premium* |
| Farmers | $846 |
| State Farm | $809 |
| Allstate | $803 |
*Historical data (2021) from Bankrate.com; 2025 averages vary by ZIP, coverage and insurer
Key Things to Know About Home Insurance in Utah
Utah’s comparatively low averages don’t eliminate risk. The state faces meaningful earthquake exposure along the Wasatch Front, episodic flash flooding and snowmelt flooding after big winters, and variable wildfire seasons with post‑fire debris flows. Understanding your local hazards helps you tailor coverage — especially for perils that standard homeowners policies exclude, like flood and earthquake (Utah Geological Survey; National Climate Assessment; NIFC Predictive Services).
Home Insurance Coverage Options
In addition to the standard home insurance coverages — which include dwelling, other structures, personal property, and liability coverage — you may want to consider some additional protections:
- Flood insurance: Flash flooding and pluvial (stormwater) flooding remain common in Utah’s desert and urban drainages, and standard home insurance excludes flood. Consider an NFIP or private flood policy even outside mapped flood zones (FEMA NFIP).
- Earthquake coverage: Earthquakes are excluded from standard policies. Utah has a significant long-term probability of damaging events; earthquake coverage is typically an endorsement or separate policy with a percentage deductible (Utah Geological Survey).
- Guaranteed replacement cost: Given elevated materials and labor costs in recent years, this option can help ensure you have enough coverage to rebuild even if costs exceed your dwelling limit (availability and eligibility vary by insurer).
Frequently Asked Questions
Methodology
We evaluated companies using third-party agency ratings for customer experience and financial stability, recent quote-based pricing studies, coverage options and discounts, and Utah market context to identify providers that may be a strong fit in 2025.
To compare home insurance companies across the board, we considered the following factors:
- Customer Ratings — Customer ratings are an indication of satisfaction with the overall experience with a company. We measured this using 2024 J.D. Power Home Insurance Study ratings.
- Coverage — As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available.
- Confidence — It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best ratings.
- Customer Experience — The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the National Association of Insurance Companies National Complaint Index.
Historical sample rates cited in tables reflect 2021 quoted annual premiums from Bankrate.com for $250,000 in dwelling coverage. For current 2025 comparisons, we referenced statewide estimates from Bankrate, NerdWallet and ValuePenguin that model a standard profile (~$300,000 dwelling, $1,000 deductible). These are sample rates for comparison only; your quotes will vary.
The coverage limits for home insurance rates reflect the following coverage and limits:
- Coverage A, Dwelling: $250,000
- Coverage B, Other Structures: $25,000
- Coverage C, Personal Property: $125,000
- Coverage D, Loss of Use: $50,000
- Coverage E, Liability: $300,000
- Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). Percentage wind/hail deductibles are increasingly common in some ZIP codes.
