Utah Homeowners Insurance

Reviewed byPlaininsure Editorial, Homeowners Insurance Transparency Editorial Team · June 4, 2026

U.S. Treasury FIO data for 243 ZIP codes in Utah (UT).

Homeowners in Utah pay an average of $1,132 per year for home insurance — 36% below the national average of $1,776. That ranks Utah as the 50th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 18.1%; nonrenewal rates climbed by 29.8% over the same period.

On five-year premium growth (2018–2022), Utah ranks 4th out of 51 states. Its nonrenewal rate (1.11%) ranks 24th out of 50 — nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

Source: U.S. Department of the Treasury, Federal Insurance Office — "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for caveats.

Avg Premium

$1,132/yr

National avg: $1,776 (-36% below)

Premium Change

+18.1%

2018-2022 change

Avg Loss Ratio

53.5%

Claims paid vs premiums earned

Nonrenewal Rate

1.11%

+29.8% change

Data Snapshot: Utah Homeowners Insurance

Utah homeowners paid an average of $1,132 per year for home insurance based on U.S. Treasury FIO data covering 243 ZIP codes across the state. That is 36% below the national average of $1,776 per year reported by the Federal Insurance Office. Utah ranks 50th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $805 in 84749 to $5,246 in 84060.

Between 2018 and 2022, average premiums rose by 18.1% in Utah, placing the state 4th nationally on five-year premium growth. The state-level loss ratio averaged 53.5%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates — the share of policies insurers decline to extend at expiration — averaged 1.11%, a climb of 29.8% over the study period (ranking 24th out of 50 states).

Within Utah, premium dispersion across ZIP codes is substantial: the most expensive ZIP (84060 in Park City) charges 552% more than the least expensive (84749 in Lyman), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is for educational research only and is not insurance advice — homeowners should obtain quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.

Loss Ratio Reading: Utah

Utah statewide — FIO 2018-2022 average: 53% (Insurer-favorable) — low claim payout — insurer retains a healthy margin.

ZIP Codes Tracked

243

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$959	$880	46.0%	3.08%	0.85%
2019	$988 (+3.1%)	$910	45.7%	3.45%	0.80%
2020	$1,036 (+4.9%)	$950	71.6%	5.62%	0.74%
2021	$1,085 (+4.7%)	$995	54.9%	4.05%	0.87%
2022	$1,132 (+4.3%)	$1,042	53.5%	3.91%	1.11%

Average Premium by Year

$959

2018

$988

2019

$1,036

2020

$1,085

2021

$1,132

2022

Most Expensive ZIP Codes in Utah

Most Affordable ZIP Codes in Utah

All ZIP Codes in Utah

243 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
84060	Park City	$5,246	33.7%	3.21%	0.51%
84098	Park City	$3,043	37.0%	3.77%	1.67%
84004	Alpine	$2,264	49.1%	5.70%	0.98%
84061	Peoa	$2,010	6.7%	0.81%	2.42%
84103	Salt Lake City	$1,967	48.0%	5.38%	0.85%
84036	Kamas	$1,954	47.7%	2.36%	1.42%
84310	Eden	$1,739	26.4%	3.75%	1.19%
84719	Brian Head	$1,735	80.1%	1.66%	1.10%
84317	Huntsville	$1,710	22.8%	3.28%	1.83%
84092	Sandy	$1,681	60.8%	5.63%	0.66%
84020	Draper	$1,637	60.9%	6.09%	0.90%
84117	Salt Lake City	$1,630	50.5%	5.55%	0.71%
84108	Salt Lake City	$1,629	37.7%	5.07%	1.08%
84055	Oakley	$1,625	36.9%	1.60%	1.18%
84604	Provo	$1,623	54.1%	4.72%	0.98%
84049	Midway	$1,586	29.3%	2.99%	1.70%
84032	Heber City	$1,583	43.2%	2.80%	1.11%
84017	Coalville	$1,486	44.7%	3.90%	2.02%
84124	Salt Lake City	$1,484	58.8%	5.52%	0.90%
84082	Wallsburg	$1,471	17.0%	3.85%	1.28%
84121	Salt Lake City	$1,451	56.7%	5.76%	0.86%
84093	Sandy	$1,430	60.5%	5.47%	0.63%
84023	Dutch John	$1,429	6.6%	N/A	0.86%
84767	Springdale	$1,426	11.1%	1.79%	2.68%
84025	Farmington	$1,392	47.3%	4.36%	0.52%
84664	Mapleton	$1,373	80.2%	4.01%	0.67%
84042	Lindon	$1,363	51.0%	4.80%	0.73%
84735	Hatch	$1,361	2.1%	0.76%	0.76%
84306	Collinston	$1,340	41.6%	5.33%	0.67%
84109	Salt Lake City	$1,335	49.6%	5.28%	0.98%
84037	Kaysville	$1,322	44.6%	3.84%	0.53%
84095	South Jordan	$1,316	53.4%	4.41%	0.71%
84097	Orem	$1,315	97.1%	6.14%	0.53%
84102	Salt Lake City	$1,311	38.3%	4.74%	0.92%
84050	Morgan	$1,303	23.8%	2.83%	1.12%
84054	North Salt Lake	$1,301	50.5%	4.61%	0.67%
84630	Fayette	$1,300	N/A	N/A	N/A
84757	New Harmony	$1,298	16.0%	1.87%	1.69%
84710	Alton	$1,297	7.0%	0.67%	1.34%
84010	Bountiful	$1,287	53.7%	4.61%	0.97%
84031	Hanna	$1,285	209.5%	3.37%	2.25%
84038	Laketown	$1,266	5.4%	0.77%	N/A
84301	Bear River City	$1,261	44.2%	3.52%	1.17%
84026	Fort Duchesne	$1,254	6.2%	0.96%	0.96%
84105	Salt Lake City	$1,251	48.7%	4.76%	0.77%
84003	American Fork	$1,249	60.5%	5.20%	0.88%
84080	Vernon	$1,248	18.1%	3.23%	N/A
84653	Salem	$1,247	37.0%	3.91%	1.14%
84783	Dammeron Valley	$1,241	2.9%	0.58%	4.03%
84314	Honeyville	$1,238	17.2%	3.11%	1.24%
84762	Duck Creek Village	$1,237	75.7%	1.31%	1.09%
84040	Layton	$1,233	60.4%	4.40%	0.52%
84325	Mendon	$1,230	34.6%	4.12%	0.34%
84746	Leeds	$1,228	23.3%	4.79%	1.60%
84328	Paradise	$1,227	31.9%	3.80%	0.20%
84065	Riverton	$1,225	45.4%	3.85%	0.58%
84062	Pleasant Grove	$1,222	71.9%	5.83%	0.86%
84340	Willard	$1,220	20.8%	1.65%	1.14%
84014	Centerville	$1,215	71.5%	4.98%	0.80%
84028	Garden City	$1,214	68.6%	2.26%	0.51%
84324	Mantua	$1,212	23.0%	2.56%	0.28%
84772	Summit	$1,210	N/A	N/A	1.25%
84403	Ogden	$1,188	54.4%	4.74%	1.23%
84083	Wendover	$1,186	N/A	N/A	N/A
84101	Salt Lake City	$1,172	58.4%	7.20%	0.80%
84309	Deweyville	$1,171	6.9%	1.72%	0.57%
84027	Fruitland	$1,168	51.6%	1.98%	1.48%
84758	Orderville	$1,168	10.7%	2.82%	3.52%
84013	Cedar Valley	$1,168	23.2%	3.82%	0.69%
84414	Ogden	$1,163	49.0%	4.23%	0.51%
84339	Wellsville	$1,157	51.0%	3.84%	0.22%
84643	Mayfield	$1,154	20.7%	3.95%	N/A
84007	Bluebell	$1,153	54.5%	4.65%	N/A
84763	Rockville	$1,149	48.4%	4.26%	2.13%
84311	Fielding	$1,130	21.1%	2.60%	0.87%
84033	Henefer	$1,129	15.0%	2.65%	N/A
84096	Herriman	$1,116	43.7%	3.50%	0.86%
84530	La Sal	$1,112	1.0%	0.75%	N/A
84656	Scipio	$1,111	17.4%	4.49%	3.37%
84765	Santa Clara	$1,111	40.8%	4.02%	0.53%
84315	Hooper	$1,110	54.9%	2.76%	0.46%
84326	Millville	$1,109	36.5%	3.21%	0.51%
84307	Corinne	$1,108	64.2%	4.52%	1.33%
84781	Pine Valley	$1,108	16.4%	2.18%	0.97%
84341	Logan	$1,105	30.8%	2.89%	0.58%
84716	Boulder	$1,102	190.6%	1.85%	N/A
84071	Stockton	$1,101	160.7%	4.41%	1.92%
84058	Orem	$1,100	81.4%	6.30%	0.75%
84742	Kanarraville	$1,099	13.7%	2.08%	1.56%
84337	Tremonton	$1,098	56.7%	3.65%	1.01%
84039	Lapoint	$1,097	42.8%	2.37%	N/A
84782	Veyo	$1,094	44.1%	2.02%	1.61%
84053	Neola	$1,092	119.7%	2.54%	1.02%
84106	Salt Lake City	$1,091	50.6%	4.46%	0.76%
84088	West Jordan	$1,091	47.3%	4.76%	0.62%
84312	Garland	$1,089	40.0%	4.57%	0.81%
84332	Providence	$1,084	37.8%	3.36%	0.40%
84069	Rush Valley	$1,084	225.4%	7.03%	1.56%
84107	Salt Lake City	$1,083	37.1%	3.97%	0.55%
84759	Panguitch	$1,081	23.2%	2.46%	1.54%
84636	Holden	$1,075	5.1%	2.52%	0.84%
84331	Portage	$1,074	41.5%	3.57%	1.19%
84302	Brigham City	$1,072	49.6%	3.70%	0.59%
84094	Sandy	$1,065	54.7%	4.44%	0.76%
84629	Fairview	$1,063	90.4%	2.15%	2.23%
84738	Ivins	$1,061	51.7%	2.39%	0.72%
84532	Moab	$1,060	54.2%	2.18%	0.39%
84779	Virgin	$1,060	33.3%	5.04%	N/A
84663	Springville	$1,059	71.9%	5.58%	0.58%
84320	Lewiston	$1,058	35.2%	3.07%	0.61%
84731	Greenville	$1,054	N/A	N/A	N/A
84318	Hyde Park	$1,054	33.4%	2.94%	0.37%
84773	Teasdale	$1,054	2.8%	0.53%	1.58%
84087	Woods Cross	$1,051	41.8%	4.04%	0.77%
84075	Syracuse	$1,050	60.0%	4.60%	0.55%
84729	Glendale	$1,049	21.2%	2.73%	2.73%
84665	Sterling	$1,046	20.2%	2.27%	N/A
84521	Elmo	$1,046	36.7%	5.31%	1.77%
84405	Ogden	$1,043	40.1%	4.34%	0.74%
84066	Roosevelt	$1,043	63.8%	5.15%	0.77%
84537	Orangeville	$1,042	41.6%	7.37%	0.29%
84770	Saint George	$1,042	48.4%	3.63%	0.72%
84035	Jensen	$1,041	10.4%	1.80%	2.40%
84081	West Jordan	$1,040	44.2%	3.50%	0.87%
84330	Plymouth	$1,038	15.7%	4.80%	1.60%
84628	Eureka	$1,036	3.5%	0.50%	1.51%
84712	Antimony	$1,035	88.5%	4.82%	N/A
84511	Blanding	$1,033	63.1%	5.30%	0.84%
84667	Wales	$1,032	N/A	N/A	2.11%
84535	Monticello	$1,030	46.6%	3.38%	1.13%
84739	Joseph	$1,030	80.9%	8.93%	0.89%
84043	Lehi	$1,029	58.7%	4.50%	0.67%
84006	Bingham Canyon	$1,029	23.3%	2.76%	1.38%
84660	Spanish Fork	$1,028	57.4%	4.49%	0.93%
84730	Glenwood	$1,028	22.2%	3.83%	N/A
84084	West Jordan	$1,027	50.5%	4.75%	0.96%
84645	Mona	$1,027	22.0%	3.04%	0.72%
84078	Vernal	$1,023	60.3%	3.45%	1.03%
84711	Annabella	$1,021	88.4%	5.51%	N/A
84790	Saint George	$1,021	47.9%	3.41%	0.54%
84401	Ogden	$1,017	50.0%	3.37%	1.04%
84001	Altamont	$1,016	4.8%	1.95%	0.65%
84606	Provo	$1,015	64.8%	4.91%	1.13%
84045	Saratoga Springs	$1,011	31.5%	2.42%	0.88%
84123	Salt Lake City	$1,011	44.0%	3.85%	0.58%
84070	Sandy	$1,010	47.1%	3.91%	0.64%
84662	Spring City	$1,010	22.3%	2.66%	1.45%
84518	Cleveland	$1,009	17.0%	5.45%	1.49%
84074	Tooele	$1,008	65.8%	7.44%	1.01%
84029	Grantsville	$1,004	63.0%	5.31%	0.92%
84086	Woodruff	$1,004	58.0%	2.41%	N/A
84076	Tridell	$1,002	10.0%	1.41%	N/A
84651	Payson	$1,002	73.8%	4.83%	1.06%
84774	Toquerville	$1,001	87.0%	3.02%	1.51%
84726	Escalante	$1,000	45.0%	1.41%	0.35%
84333	Richmond	$999	33.5%	2.63%	0.83%
84713	Beaver	$999	176.3%	11.60%	1.25%
84526	Helper	$998	180.6%	17.07%	2.12%
84057	Orem	$993	68.7%	4.51%	1.00%
84111	Salt Lake City	$991	42.4%	4.28%	0.94%
84128	West Valley City	$990	52.6%	5.07%	0.99%
84334	Riverside	$984	9.2%	1.98%	N/A
84631	Fillmore	$982	53.3%	3.50%	1.61%
84647	Mount Pleasant	$982	26.4%	3.14%	1.57%
84634	Gunnison	$981	28.3%	3.79%	1.12%
84642	Manti	$981	27.5%	2.18%	1.61%
84338	Trenton	$980	57.9%	2.88%	0.96%
84657	Sigurd	$980	43.9%	5.50%	1.83%
84761	Parowan	$977	52.8%	3.54%	0.76%
84021	Duchesne	$976	26.5%	3.05%	0.93%
84722	Central	$975	26.4%	3.46%	1.57%
84041	Layton	$975	70.5%	3.77%	0.66%
84652	Redmond	$971	6.6%	1.32%	0.44%
84539	Sunnyside	$970	4.7%	2.08%	1.04%
84404	Ogden	$969	57.8%	4.48%	0.98%
84639	Levan	$969	71.6%	6.85%	1.83%
84120	West Valley City	$968	57.3%	4.46%	1.05%
84513	Castle Dale	$968	50.7%	6.78%	1.08%
84015	Clearfield	$964	57.6%	4.12%	0.80%
84720	Cedar City	$962	68.2%	3.27%	0.63%
84118	Salt Lake City	$961	43.3%	4.20%	1.55%
84760	Paragonah	$961	26.8%	2.97%	1.98%
84648	Nephi	$958	38.3%	3.83%	0.51%
84654	Salina	$958	32.3%	3.35%	1.07%
84528	Huntington	$957	44.1%	5.31%	1.33%
84512	Bluff	$956	9.6%	2.94%	N/A
84747	Loa	$956	69.5%	5.94%	N/A
84744	Koosharem	$956	35.1%	3.68%	2.94%
84064	Randolph	$955	37.9%	1.63%	0.81%
84624	Delta	$955	46.9%	3.68%	1.44%
84637	Kanosh	$955	29.5%	3.45%	2.30%
84047	Midvale	$953	39.2%	3.20%	0.67%
84321	Logan	$952	45.8%	3.15%	0.79%
84005	Eagle Mountain	$952	35.6%	2.76%	0.78%
84327	Newton	$952	28.8%	2.50%	0.83%
84116	Salt Lake City	$948	54.0%	5.15%	1.29%
84714	Beryl	$947	11.7%	2.44%	1.22%
84775	Torrey	$947	18.1%	1.50%	1.13%
84620	Aurora	$947	31.9%	2.97%	0.66%
84335	Smithfield	$947	36.7%	2.92%	0.48%
84067	Roy	$946	49.6%	4.13%	0.76%
84633	Goshen	$945	20.4%	2.45%	2.45%
84542	Wellington	$943	81.1%	3.07%	1.40%
84780	Washington	$943	24.4%	2.35%	0.58%
84523	Ferron	$941	43.7%	5.19%	0.58%
84723	Circleville	$940	5.5%	1.41%	1.41%
84119	West Valley City	$939	66.0%	4.77%	1.14%
84072	Tabiona	$937	23.8%	2.53%	1.90%
84305	Clarkston	$937	240.0%	7.24%	0.45%
84044	Magna	$936	75.8%	5.34%	1.00%
84701	Richfield	$936	57.3%	5.20%	1.11%
84750	Marysvale	$931	11.6%	0.92%	1.38%
84520	East Carbon	$930	69.0%	3.16%	1.40%
84501	Price	$930	43.1%	4.54%	0.92%
84725	Enterprise	$925	136.4%	10.98%	1.03%
84737	Hurricane	$925	45.3%	3.31%	0.74%
84632	Fountain Green	$924	21.0%	0.92%	0.92%
84754	Monroe	$924	65.5%	5.45%	1.07%
84741	Kanab	$922	33.0%	2.53%	0.60%
84655	Santaquin	$922	33.0%	2.59%	0.67%
84319	Hyrum	$921	62.4%	2.78%	0.46%
84627	Ephraim	$921	94.1%	3.76%	0.65%
84115	Salt Lake City	$911	67.8%	4.56%	1.36%
84721	Cedar City	$904	217.5%	14.27%	0.76%
84635	Hinckley	$902	84.0%	5.29%	1.76%
84646	Moroni	$901	10.0%	2.18%	2.91%
84104	Salt Lake City	$897	61.1%	4.31%	1.60%
84745	La Verkin	$894	139.6%	2.88%	1.19%
84776	Tropic	$893	9.6%	0.79%	0.79%
84622	Centerfield	$890	38.6%	4.13%	0.29%
84601	Provo	$888	41.4%	4.16%	1.03%
84046	Manila	$887	26.8%	0.52%	1.04%
84649	Oak City	$885	17.4%	2.45%	N/A
84522	Emery	$883	266.6%	19.44%	N/A
84756	Newcastle	$861	1069.3%	14.08%	1.41%
84525	Green River	$860	33.3%	2.62%	1.05%
84715	Bicknell	$854	54.8%	3.82%	0.76%
84751	Milford	$845	147.0%	5.12%	2.05%
84724	Elsinore	$839	19.1%	3.56%	N/A
84052	Myton	$837	19.6%	2.59%	1.55%
84752	Minersville	$815	25.4%	3.03%	N/A
84740	Junction	$810	15.3%	1.72%	N/A
84749	Lyman	$805	73.6%	5.62%	N/A

Utah Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Utah compares to other states

Related Data for Utah

Natural Disaster Risk

FEMA disaster & NOAA storm data for Utah

Wildfire Risk Data

USDA wildfire risk assessments for Utah

Rental Market Data

HUD fair market rents in Utah

Cost of Living

BEA regional price parities across metros

Property Taxes

County property tax rates in Utah

Climate Data

NOAA climate normals for Utah

Frequently Asked Questions

What is the average homeowners insurance cost in Utah? ▼

The average homeowners insurance premium in Utah is $1,132 per year, based on U.S. Treasury FIO data covering 243 ZIP codes. This is 36% below the national average of $1,776.

How have insurance premiums changed in Utah? ▼

Utah homeowners insurance premiums changed by +18.1% between 2018 and 2022. The average loss ratio is 53.5%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Utah? ▼

The most expensive ZIP code for homeowners insurance in Utah is 84060, with an average premium of $5,246/yr. The most affordable is 84749 at $805/yr.

What is the nonrenewal rate for Utah homeowners insurance? ▼

The average nonrenewal rate in Utah is 1.11%. This rate has changed by +29.8% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 84783 has the highest nonrenewal rate in the state at 4.03%.

What is a loss ratio and what does Utah's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Utah's average loss ratio is 53.5%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Utah? ▼

The average claim frequency in Utah is 3.91%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $15,113. Higher claim frequency and severity typically correlate with higher premiums.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

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Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainInsure Editorial

Reviewed byPlaininsure Editorial, Homeowners Insurance Transparency Editorial Team · June 4, 2026

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