The Best Cheap Renters Insurance in Utah (2025)
State Farm has the lowest prices for renters insurance in Utah, with an average of $12 per month.
Compare Cheap Renters Insurance in Utah
Best Cheap Utah Renters Insurance
ValuePenguin researched insurance quotes from six top insurance companies in Utah to find the best company for you. When choosing a renters insurance company, you should weigh coverage options and customer service along with cost.
Quotes include $30,000 of personal property coverage with a $500 deductible and $100,000 in liability protection.
Cheapest renters insurance companies in Utah
State Farm has the cheapest renters insurance in Utah.
A policy from State Farm costs $12 per month, or $140 per year, on average. That's half the average cost of renters insurance in Utah, which is $24 per month.
Compare Cheap Renters Insurance in Utah
Utah renters insurance is about $1 per month more expensive than the national average. In the United States, renters insurance costs about $23 per month.
Cheap Utah renters insurance quotes
Company | Monthly cost | ||
|---|---|---|---|
| State Farm | $12 | |
| Progressive | $22 | |
| Amica | $24 | |
| Assurant | $26 | |
| American Family | $30 | |
| Farmers | $33 | |
Best renters insurance in Utah overall: State Farm
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Cost$12/moThis analysis used renters insurance quotes for 24 cities across Utah. Read our methodology.
Best-rated renters insurance in Utah: Amica
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Cost$24/moThis analysis used renters insurance quotes for 24 cities across Utah. Read our methodology.
Best for bundling renters and auto insurance: Progressive
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Cost$22/moThis analysis used renters insurance quotes for 24 cities across Utah. Read our methodology.
Best cheap renters insurance in Salt Lake City
State Farm has the cheapest renters insurance in Salt Lake City, at just $12 per month.
That's half the citywide average of $25 per month.
Company | Monthly cost | ||
|---|---|---|---|
|
| State Farm | $12 | |
|
| Progressive | $23 | |
|
| Amica | $24 | |
|
| Assurant | $26 | |
|
| American Family | $31 | |
|
| Farmers | $37 | |
Renters insurance in Utah: Cost by city
Kearns, a suburb of Salt Lake City, has the most expensive renters insurance in Utah.
The average cost of renters insurance in Kearns is $26 per month, which is $2 per month more than the state average.
Riverton, another suburb of Salt Lake City, has the cheapest rates among the largest cities in the state. Renters in Riverton typically pay around $20 per month. That's $6 per month less than Kearns, despite their proximity to one another.
Renters insurance costs can change based on where you live. You may pay more for insurance if your neighborhood has frequent break-ins, or less if you live near a fire station.
Average cost of renters insurance in Utah by city
City | Monthly rate | % from average |
|---|---|---|
| Bountiful | $24 | -2% |
| Draper | $24 | 0% |
| Eagle Mountain | $25 | 1% |
| Herriman | $25 | 2% |
| Kearns | $26 | 5% |
How to find the cheapest renters insurance in Utah
To find the cheapest renters insurance, start by figuring out how much coverage you need. Then, you can shop around for quotes and ask about discounts.
Figure out how much renters insurance you need. The amount and types of coverage you choose greatly impact how much you pay for insurance. While you don't want to pay for coverage you don't need, it's important to have enough protection to replace your stuff after a disaster.
Compare quotes from multiple companies. In Utah, there's a difference of about $21 per month between the most and least expensive renters insurance companies. That means you could save up to $259 per year just by comparing quotes.
In addition, each company determines renters insurance rates differently. Some companies prioritize your insurance history, while others may focus more on your credit score. For that reason, the cheapest company for you may be different from that of your neighbors, friends or family.
Ask about discounts. Bundling your renters and car insurance with one company is typically the best way to lower your insurance bill. Most companies also offer a discount for installing a burglary or fire alarm.
You should also ask about discounts if you:
- Pay your annual bill up front
- Sign up to make automatic payments
- Get bills and policy documents via email
- Haven't filed a claim in two to three years
- Live in a gated community
- Are retired or a nonsmoker
What types of renters insurance coverage do I need in Utah?
Utah renters need to protect their belongings from wildfires, earthquakes and flooding.
Renters insurance typically covers fire damage, which includes wildfires. However, some insurance companies may not offer fire coverage if you live in a high-risk area.
If you can't find a company that offers fire protection, you can buy a separate fire insurance policy. The best way to find stand-alone fire insurance is by calling a local, independent insurance agent.
Renters insurance doesn't cover earthquake damage. You can protect your belongings from earthquake damage by buying a separate earthquake policy.
Some renters insurance companies also offer earthquake coverage as an optional add-on. This includes State Farm, Progressive, Assurant, American Family and Farmers.
Renters insurance doesn't pay for weather-related flood damage. This includes damage from heavy rains, snowmelt or rising lakes and rivers. The only way to protect your belongings from flood damage is to buy a flood insurance policy.
Unlike earthquake insurance, you typically can't add flood coverage onto your renters policy. Some renters insurance companies, like Amica and Progressive, sell flood insurance.
It can be helpful to have your renters and flood insurance policies with the same company.
For example, say a severe thunderstorm floods your home insurance and causes a power surge that damages your laptop. Having both policies with the same company means you'll only need to work with one company for both claims. That could save you a lot of time.
Utah renters insurance trends
Renters insurance prices have gone up 18.7% in Utah over the last six years.
Utah renters insurance rates went up between 0.5% and 75.7% over the last six years, depending on the company.
Renters insurance prices in Utah, on average, stayed relatively level from 2020 to 2022, but then saw a steep jump of 14.9% across 2023 and 2024.
Among the major UT insurers, the biggest increases have been at Auto-Owners Group (75.7%), Farmers (68.1%) and Nationwide (64.4%).
Renters insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
Frequently asked questions
How much is renters insurance in Utah?
The average cost of renters insurance in Utah is $24 per month for $30,000 in personal property coverage. However, Utah renters can get coverage for as little as $12 from State Farm, the cheapest company in the state.
Can a landlord require renters insurance in Utah?
Yes, your landlord can require you to buy a renters insurance policy in Utah. It's important that you check your lease agreement to make sure you're buying enough coverage to meet your requirements.
How much is renters insurance in Salt Lake City, UT?
Renters insurance in SLC costs an average of $25 per month. That's only $1 per month more than the Utah state average. In comparison, renters living in Provo pay $22 per month for coverage.
Methodology
To find the best cheap renters insurance in Utah, ValuePenguin evaluated six major insurance companies in 24 major cities in Utah. Quotes are for an unmarried 30-year-old renter who lives alone and has no recent renters insurance claims. Rates include the following coverage limits:
- Personal property: $30,000
- Personal liability: $100,000
- Medical payments: $1,000
- Loss of use: $9,000
- Deductible: $500
ValuePenguin editors determine the top picks by analyzing rates, customer service and coverage options.
Renters insurance star ratings are based on the National Association of Insurance Commissioners (NAIC) complaint index, the J.D. Power customer service satisfaction survey and ValuePenguin's editors' ratings.
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
