Best Utah Homeowners Insurance for 2026
State Farm has the overall best home insurance in Utah, but Allstate may be better for expensive houses
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- State Farm is the best home insurance company in Utah for its balance of value, coverage options and reputability.
- The average home insurance premium in Utah is $1,858 per year or $155 per month.
- Despite the increasing risk of wildfires in various parts of Utah, premiums remain relatively affordable across the state.
Best homeowners insurance in Utah
To help you find an affordable and comprehensive policy, we selected the best home insurance companies in Utah based on rates, coverage options, discounts and other factors. Of all the companies we surveyed, these are our top picks.
Best overall : State Farm
Average annual rate: $1,065
Why we chose it: To start, State Farm has the cheapest average home insurance rates in Utah. Then with their low rates, they still offer a variety of coverage endorsements, including a special limit for water damage, and a generous discount if you bundle your home and car insurance with them. State Farm is also well-rated for overall customer satisfaction in the J.D. Power 2025 U.S. Home Insurance Study.
Who it’s best for: Homeowners looking for a reputable company that provides a balance between value and coverage options. You’ll also get a dedicated insurance agent to assist with your policy.
PROS
- Cheap rates with good coverage options
- Superior financial stability
- Easy mobile app claims
CONS
- Higher-than-average number of customer complaints
- Requires separate personal property policy
- Fewer home insurance discounts than others
Best for discounts: Farmers
Average annual rate: $1,112
Why we chose it: Farmers is the second-cheapest insurer in Utah, yet offers more discount opportunities than any of the other companies on our list. These include discounts for new homes and for homes with sustainability features. Customers can also save up to 10% if they bundle their home and auto with Farmers.
The company’s decent list of add-ons include appealing options like guaranteed replacement cost coverage to protect against construction cost increases and extra coverage for specific valuables, like golf carts and e-bikes.
Who it’s best for: Farmers is best for homeowners seeking an affordable, personalized policy with stackable discounts.
PROS
- Great discount options, including bundling home and auto
- Low rates
- Lower-than-average number of customer complaints
CONS
- Slightly below-average J.D. Power claims satisfaction rating
- Fewer coverage options than some other companies
Best for customer service: Mutual of Enumclaw
Average annual rate: $1,335
Star rating: N/A
Why we chose it: Mutual of Enumclaw had the lowest complaint rating from the National Association of Insurance Commissioners (NAIC)
Who it’s best for: Homeowners who want top-notch customer service from a regional company. Mutual of Enumclaw is a regional insurer and sells policies through a network of local independent agents.
PROS
- Offers a contractor referral program for repairs
- Bundled home and auto with simplified deductibles
CONS
- Mediocre mobile app ratings
- Doesn’t offer online quotes
Best for luxury homes: Allstate
Average annual rate: $1,635 (with $550,000 dwelling coverage)
Why we chose it: Allstate offers surprisingly affordable rates for high-value homes as well as a generous range of policy options, including an extended protection endorsement that can increase your coverage limits and better protect your valuables. Customers can also choose to add identity theft restoration and a personal umbrella policy. Allstate discount options include bundling auto and home insurance and a responsible payer savings.
Who it’s best for: Allstate is best for high-net-worth homeowners who have high-value homes and still want the best deal along with the coverages they need.
PROS
- Superior financial strength rating from AM Best
- Offers claim forgiveness to prevent rate hikes
CONS
- Poorly rated for claims satisfaction by J.D. Power
- 20% more customer complaints than average
Compare home insurance rates and ratings in Utah
| Company | Average annual rate * | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| State Farm | $1,065 | 4/5 | 1.4 |
| Farmers | $1,112 |  3.5/5 | 0.7 |
| Allstate | $1,254 | 4/5 | 1.2 |
 | Mutual of Enumclaw | $1,335 | N/A | 0.2 |
 | American Family | $1,473 | 4/5 | 0.4 |
 | Nationwide | $1,737 | 3.5/5 | 1.2 |
 | Farm Bureau | $1,896 | 3.5/5 | 0.6 |
 | USAA** | $1,686 | 4/5 | 0.5 |
In Utah, rates can vary significantly between insurers. Comparing multiple options can help you find better pricing and coverage.
LendingTree analyzed thousands of quotes from top insurers across Utah to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
How much is homeowners insurance in Utah?
The average cost of home insurance in Utah is $1,858 per year.
Homeowners in Utah pay relatively low home insurance rates compared to residents in neighboring states like Colorado, Arizona and Wyoming. A home insurance policy in Utah with $400,000 in dwelling coverage costs an average of $1,858 per year or $155 per month. That’s well below the national average of $2,628 per year, or $219 per month.
Average home insurance rates by dwelling coverage amount
The cost of home insurance depends in part on the amount of dwelling coverage you need. When choosing dwelling coverage limits, you’ll need to cover the replacement cost of your home. The table below shows the average premiums by dwelling coverage amount for the best home insurance companies in Utah compared to the state average premium.
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| State Farm | $903 | $1,065 | $1,302 | $1,575 |
| Farmers | $840 | $1,112 | $1,582 | $2,120 |
| Allstate | $992 | $1,254 | $1,635 | $2,060 |
| Mutual of Enumclaw | $1,043 | $1,335 | $1,751 | $2,289 |
| State average | $1,460 | $1,858 | $2,391 | $3,085 |
Home insurance rates in Utah by county
Home insurance premiums in Utah depend on where you live. Box Elder County residents tend to pay the highest rates on average, due to the area’s severe risk of wildfires. Park Valley has Utah’s most expensive home insurance ($2,478 per year), followed by Howell and Snowville, all of which are in Box Elder County.
Homeowners insurance is cheapest on average in Piute County’s Kingston ($1,605 a year), while nearby Junction is more or less tied for second with Teasedale.
| City | Average rate |
|---|---|
| Alpine | $1,912 |
| Altamont | $1,768 |
| Alton | $1,853 |
| Altonah | $1,824 |
| American Fork | $1,771 |
| Aneth | $1,756 |
| Annabella | $1,786 |
| Antimony | $1,852 |
| Aurora | $1,744 |
| Axtell | $1,831 |
| Ballard | $1,810 |
| Bear River City | $2,112 |
| Beaver | $1,711 |
| Benjamin | $1,897 |
| Benson | $1,928 |
| Beryl | $1,899 |
| Bicknell | $1,660 |
| Bingham Canyon | $1,991 |
| Blanding | $1,798 |
| Bluebell | $1,777 |
| Bluff | $1,813 |
| Bluffdale | $1,753 |
| Bonanza | $1,762 |
| Boulder | $1,735 |
| Bountiful | $1,969 |
| Brian Head | $1,899 |
| Brigham City | $2,167 |
| Bryce | $1,765 |
| Cache Junction | $2,025 |
| Cannonville | $1,704 |
| Carbonville | $1,709 |
| Castle Dale | $1,791 |
| Cedar City | $1,760 |
| Cedar Hills | $1,834 |
| Cedar Valley | $1,950 |
| Centerfield | $1,792 |
| Centerville | $2,008 |
| Central | $1,796 |
| Chester | $1,816 |
| Circleville | $1,665 |
| Cisco | $1,717 |
| Clarkston | $1,950 |
| Clawson | $1,795 |
| Clearfield | $1,963 |
| Cleveland | $1,777 |
| Clinton | $1,931 |
| Coalville | $2,065 |
| Collinston | $2,263 |
| Copperton | $1,991 |
| Corinne | $2,101 |
| Cornish | $1,970 |
| Cottonwood Heights | $1,839 |
| Croydon | $2,045 |
| Dammeron Valley | $1,923 |
| Delta | $1,867 |
| Deweyville | $2,319 |
| Draper | $1,926 |
| Duchesne | $1,843 |
| Duck Creek Village | $1,748 |
| Dugway | $2,026 |
| Dutch John | $1,837 |
| Eagle Mountain | $1,973 |
| East Carbon | $1,668 |
| Echo | $2,016 |
| Eden | $2,011 |
| Elberta | $1,783 |
| Elk Ridge | $1,895 |
| Elmo | $1,811 |
| Elsinore | $1,835 |
| Emery | $1,810 |
| Emigration Canyon | $1,868 |
| Enoch | $1,888 |
| Enterprise | $1,854 |
| Ephraim | $1,777 |
| Erda | $1,910 |
| Escalante | $1,779 |
| Eureka | $2,054 |
| Fairview | $1,858 |
| Farmington | $2,080 |
| Farr West | $1,966 |
| Fayette | $1,806 |
| Ferron | $1,772 |
| Fielding | $2,052 |
| Fillmore | $1,787 |
| Fort Duchesne | $1,775 |
| Fountain Green | $1,813 |
| Fruit Heights | $2,080 |
| Fruitland | $1,772 |
| Garden | $1,956 |
| Garden City | $1,942 |
| Garland | $2,101 |
| Garrison | $1,807 |
| Genola | $1,861 |
| Glendale | $1,780 |
| Glenwood | $1,765 |
| Goshen | $1,669 |
| Grantsville | $1,871 |
| Green River | $1,818 |
| Greenville | $1,740 |
| Greenwich | $1,696 |
| Grouse Creek | $2,309 |
| Gunlock | $1,976 |
| Gunnison | $1,801 |
| Hanksville | $1,738 |
| Hanna | $1,748 |
| Harrisville | $2,009 |
| Hatch | $1,743 |
| Heber | $1,864 |
| Heber City | $1,895 |
| Helper | $1,776 |
| Henefer | $2,050 |
| Henrieville | $1,689 |
| Herriman | $1,751 |
| Highland | $1,793 |
| Hildale | $1,641 |
| Hill Air Force Base | $2,036 |
| Hinckley | $1,974 |
| Holden | $1,794 |
| Holladay | $1,817 |
| Honeyville | $2,164 |
| Hooper | $1,912 |
| Howell | $2,380 |
| Huntington | $1,784 |
| Huntsville | $1,992 |
| Hurricane | $1,705 |
| Hyde Park | $1,986 |
| Hyrum | $1,983 |
| Ibapah | $1,850 |
| Ivins | $1,776 |
| Jensen | $1,774 |
| Joseph | $1,701 |
| Junction | $1,618 |
| Kamas | $1,852 |
| Kanab | $1,781 |
| Kanarraville | $1,889 |
| Kanosh | $1,764 |
| Kaysville | $2,123 |
| Kearns | $1,830 |
| Kenilworth | $1,863 |
| Kingston | $1,605 |
| Koosharem | $1,757 |
| La Sal | $1,809 |
| La Verkin | $1,745 |
| Lake Powell | $1,764 |
| Lake Shore | $1,750 |
| Laketown | $1,923 |
| Lapoint | $1,859 |
| Layton | $2,026 |
| Leamington | $1,797 |
| Leeds | $1,835 |
| Lehi | $1,766 |
| Levan | $1,793 |
| Lewiston | $2,017 |
| Lindon | $1,772 |
| Loa | $1,640 |
| Logan | $1,934 |
| Lyman | $1,645 |
| Lynndyl | $1,769 |
| Maeser | $1,929 |
| Magna | $1,862 |
| Manila | $1,706 |
| Manti | $1,768 |
| Mantua | $2,219 |
| Mapleton | $1,766 |
| Marion | $1,822 |
| Marriott-Slaterville | $1,962 |
| Marysvale | $1,647 |
| Mayfield | $1,749 |
| Meadow | $1,861 |
| Mendon | $2,079 |
| Mexican Hat | $1,766 |
| Midvale | $1,788 |
| Midway | $1,927 |
| Milford | $1,725 |
| Millcreek | $1,802 |
| Millville | $1,986 |
| Minersville | $1,740 |
| Moab | $1,720 |
| Modena | $1,992 |
| Mona | $1,816 |
| Monroe | $1,764 |
| Montezuma Creek | $1,788 |
| Monticello | $1,825 |
| Monument Valley | $1,792 |
| Morgan | $1,947 |
| Moroni | $1,792 |
| Mount Carmel | $1,724 |
| Mount Pleasant | $1,769 |
| Mountain Green | $1,948 |
| Mountain Home | $1,792 |
| Murray | $1,796 |
| Myton | $1,764 |
| Naples | $1,867 |
| Neola | $1,790 |
| Nephi | $1,837 |
| New Harmony | $1,802 |
| Newcastle | $2,038 |
| Newton | $2,083 |
| Nibley | $1,960 |
| North Logan | $1,979 |
| North Ogden | $2,063 |
| North Salt Lake | $1,919 |
| Oak City | $1,891 |
| Oakley | $1,832 |
| Ogden | $2,000 |
| Orangeville | $1,785 |
| Orderville | $1,739 |
| Orem | $1,803 |
| Palmyra | $1,721 |
| Panguitch | $1,696 |
| Paradise | $2,036 |
| Paragonah | $1,728 |
| Park City | $1,880 |
| Park Valley | $2,478 |
| Parowan | $1,858 |
| Payson | $1,851 |
| Peoa | $1,821 |
| Perry | $2,196 |
| Pine Valley | $1,930 |
| Plain City | $1,965 |
| Pleasant Grove | $1,846 |
| Pleasant View | $2,031 |
| Plymouth | $2,077 |
| Portage | $2,127 |
| Price | $1,714 |
| Providence | $1,941 |
| Provo | $1,778 |
| Randlett | $1,774 |
| Randolph | $2,077 |
| Redmond | $1,717 |
| Richfield | $1,703 |
| Richmond | $2,020 |
| River Heights | $1,907 |
| Riverdale | $1,985 |
| Riverside | $2,056 |
| Riverton | $1,763 |
| Rockville | $1,742 |
| Roosevelt | $1,814 |
| Roy | $1,949 |
| Rush Valley | $1,900 |
| Salem | $1,896 |
| Salina | $1,723 |
| Salt Lake City | $1,795 |
| Sandy | $1,818 |
| Santa Clara | $1,762 |
| Santaquin | $1,866 |
| Saratoga Springs | $1,814 |
| Scipio | $1,866 |
| Sevier | $1,721 |
| Sigurd | $1,717 |
| Silver Summit | $1,929 |
| Smithfield | $1,997 |
| Snowville | $2,338 |
| Snyderville | $1,907 |
| South Jordan | $1,761 |
| South Ogden | $2,009 |
| South Salt Lake | $1,785 |
| South Weber | $2,056 |
| Spanish Fork | $1,745 |
| Spring City | $1,761 |
| Springdale | $1,792 |
| Springville | $1,737 |
| St. George | $1,720 |
| Stansbury Park | $1,865 |
| Sterling | $1,782 |
| Stockton | $1,945 |
| Summit | $1,874 |
| Summit Park | $1,888 |
| Sunnyside | $1,683 |
| Sunset | $1,964 |
| Syracuse | $1,977 |
| Tabiona | $1,744 |
| Talmage | $1,767 |
| Taylorsville | $1,805 |
| Teasdale | $1,619 |
| Thompson | $1,692 |
| Tooele | $1,916 |
| Toquerville | $1,847 |
| Torrey | $1,660 |
| Tremonton | $2,130 |
| Trenton | $1,946 |
| Tridell | $1,778 |
| Tropic | $1,716 |
| Uintah | $1,994 |
| Vernal | $1,860 |
| Vernon | $2,170 |
| Veyo | $1,902 |
| Vineyard | $1,916 |
| Virgin | $1,702 |
| Wales | $1,872 |
| Wallsburg | $1,903 |
| Washington | $1,646 |
| Washington Terrace | $1,998 |
| Wellington | $1,689 |
| Wellsville | $2,020 |
| Wendover | $1,938 |
| West Bountiful | $1,968 |
| West Haven | $2,113 |
| West Jordan | $1,781 |
| West Point | $1,953 |
| West Valley City | $1,801 |
| White City | $1,797 |
| Whiterocks | $1,820 |
| Willard | $2,148 |
| Woodruff | $2,095 |
| Woods Cross | $1,973 |
Current state of homeowners insurance in Utah
Utah is one of the more affordable states in its region for homeowners insurance, with an average annual rate that’s less than half of neighboring Colorado’s ($4,717) and significantly cheaper than New Mexico ($3,242) and Arizona ($2,455). But premiums have increased rapidly in recent years, rising over 72% between 2021 and 2025, which far outpaced the 48% nationwide average increase in home insurance rates.
The increase is in part due to wildfire risks. Between 45% and 60% of Utah residences are located in the Wildland Urban Interface, an area that’s at an especially high risk of wildfire-related property damage. Homeowners in hot, dry or forested areas, like Sanpete, Summit and Wasatch counties, may pay higher premiums due to the increased wildfire risk.
Homes in Utah are larger than the typical American home, averaging 2,800 square feet. Utah also has a booming luxury real estate market, with 10% of homes selling for at least $1 million in 2025, a record high for the state. Utah is home to multiple national parks and ski resorts, which have been attracting wealthy buyers and driving demand for high-priced real estate.
Given Utah’s rapid home price appreciation over the past five years along with growing climate threats, it’s no wonder home insurance rates are increasing. But luckily for Utah homeowners, their home insurance costs still remain well below the national average.
How to compare homeowners insurance in Utah
When comparing options, don’t just look at rates. Be sure to also consider:
-
Coverage limits:
Make sure your home is fully covered at the right amount. -
Coverage type:
Replacement cost coverage can help you avoid high out-of-pocket costs. This type of coverage pays to repair or replace your damaged home with new materials without deducting for wear and tear. -
Deductibles:
Higher deductibles can lower your premiums. -
Exclusions:
Check what isn’t covered (like floods or earthquakes). -
Add-ons:
Consider extra coverage for high-value items.
And if you own one or more vehicles, consider bundling your home and auto insurance. Many insurance companies offer big discounts for this.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
The average cost of home insurance in Utah is $1,858 per year or $155 per month for $400,000 in dwelling coverage. But some home insurance companies in Utah offer significantly cheaper rates. Shopping around can help you find the best price and policy for you. Many insurers also offer discounts for bundling your home and auto policies.
State law doesn’t require homeowners insurance in Utah. But if you have a mortgage, your lender will likely require proof of an active homeowners insurance policy. Even if you own your home outright, it’s a good idea to carry home insurance to protect your finances. Without insurance, an accident, burglary or natural disaster could wipe out your life savings.
No, it’s generally not difficult to get a homeowners insurance policy in Utah. Home insurance is relatively affordable and options are available from multiple providers.
It is possible that some homeowners may have difficulty finding insurance for high-risk properties. Utah does not have a FAIR plan, which is a state-run plan that offers limited coverage as a last resort to homeowners who can’t get insurance on the private market. High-risk homeowners may need to work with individual insurance agents or complete risk-mitigation actions to their property, like adding fire-resistant materials, that could possibly make them eligible for standard insurance again.
Most standard homeowners insurance policies cover damage from wildfires, but you should check your policy for exclusions and limitations. Ensure you have adequate coverage for your home’s structure, your personal property and additional living expenses. To ensure it will be affordable to rebuild your home, choose replacement cost (RCV) coverage.
Methodology
How we chose the best homeowners insurance in Utah
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Utah ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores show how well companies treat customers over things like claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.
**USAA is only available to current and former members of the military, their spouses, children of USAA members and certain federal employees.
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