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Utah Home Insurance Estimator โ€” Updated 2026

State abbreviation: UT

Homeowners insurance in Utah averages $1,320/year, depending on home value, location (wildfire/flood zones), age, and coverage limits. For a home valued at $535,000, you should budget 0.25% of its value annually for insurance. Insurance costs here are near or below the national average.

Utah Financial Data (2026)

State Tax Rate
4.95%
Property Tax Rate
0.6%
Median Home Price
$535,000
Avg Insurance Cost
$1,320/year
Cost of Living Index
108
State Abbreviation
UT