🏠 Home insurance cost in Utah (2026)
The estimated average is $1,265 per year — below the national average (-45% vs. the U.S. average of $2,300).
Utah is home to about 3.4 million people, and home insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Salt Lake City typically differ from smaller towns.
Estimate your home insurance in Utah
Utah home insurance estimator
Starts from the Utah average. Estimate only — get quotes to confirm.
Home insurance cost in Utah cities
| City | Population | Est. home insurance |
|---|---|---|
| Salt Lake City | 209,593 | $1,265 |
| West Valley City | 140,230 | $1,265 |
| West Jordan | 116,961 | $1,265 |
| Provo | 113,488 | $1,265 |
| Ogden | 87,573 | $1,214 |
Utah home insurance FAQ
How much is home insurance in Utah?
The estimated average home insurance in Utah is $1,265 per year, which is below the national average (-45% vs. the U.S. average of $2,300). Utah ranks 50 of 51 states from most to least expensive.
Why is home insurance cheaper in Utah?
Home insurance pricing in Utah reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the West.
How can I save on home insurance in Utah?
Compare at least three quotes from insurers active in Utah, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.