Salt Lake City Home Insurance Costs (2026)

How much is homeowners insurance in Salt Lake City?

Homeowners insurance in Salt Lake City averages $174 a month for the house we priced, with rates as of Sept. 30, 2026. The 5 major insurers we compared are Farmers, USAA (military families only), State Farm, Liberty Mutual and Auto-Owners, and each one priced our sample home in all 18 Salt Lake City ZIP codes in our data, in Salt Lake County. For this house, Salt Lake City is the least expensive of the 2 Utah cities in our data with at least 5 ZIP codes, and below the Utah average of $176 a month.

Our figures are for a $300,000 dwelling, which works out to about $6.96 a year for each $1,000 of dwelling coverage in Salt Lake City; insuring a larger or costlier house for more usually costs more, though not always in step with the limit.

For the same insurers and ZIP codes, the Salt Lake City average rose 7.4% since Nov. 2025, from $1,943 a year ($162 a month) on Nov. 30, 2025, to $2,088 ($174) on Sept. 30, 2026, as State Farm’s rose 26.9%, USAA’s (military families only) rose 8.8% and Auto-Owners’ rose 5.7%.

Homeowners insurance averages by insurer in Salt Lake City for our sample home (rates as of Sept. 30, 2026)

Farmers averaged $83 a month ($991 a year), USAA (military families only) $116 ($1,392), State Farm $137 ($1,639), Liberty Mutual $246 ($2,950) and Auto-Owners $289 ($3,469) for our sample home.

By ZIP code: each insurer’s yearly price for the same house changed with the Salt Lake City address:

• Farmers ran from $917 a year in 84102 to $1,104 in 84118.
• USAA (military families only) ran from $1,187 a year in 84109 to $2,171 in 84106.
• State Farm ran from $1,555 a year in 84115 to $1,739 in 84109.
• Liberty Mutual ran from $2,900 a year in 84129 to $3,048 in 84102.
• Auto-Owners ran from $3,211 a year in 84105 to $3,663 in 84118.

Who has the cheapest homeowners insurance in Salt Lake City?

Prices for the same home vary so much by insurer and ZIP code that the lowest one for our sample home may not be lowest for you, so compare a few quotes. The home table above lists every insurer’s average for the same home.

What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Salt Lake City, ZIP code averages for this house ran from $166 to $187 a month, while insurers’ Salt Lake City averages ran from $83 to $289.

If prices stayed where they are today, the $2,478-a-year gap between the lowest and highest averages among the insurers anyone can buy from in Salt Lake City would add up to $12,390 over five years for this house.

Same house, different city: how does Salt Lake City compare?

The same sample home costs $174 a month in Salt Lake City and $178 in Ogden, the 2 Utah cities in our data with at least 5 ZIP codes.

Same sample home: average home insurance prices in Salt Lake City, other Utah cities and the state (rates as of Sept. 30, 2026)

Each city covers the ZIP codes in our rate data with that city as their main mailing address; every row prices the same house.

Salt Lake City has the lowest average of these Utah cities; Ogden, the highest, averages $178 a month, 2.3% more for the same house.

Compared with Ogden, the Utah city with the most ZIP codes in our data after Salt Lake City (5), the same house costs 2.3% less to insure in Salt Lake City.

Across the U.S., 85 of the other 291 cities in our data with at least 5 ZIP codes priced have a lower average for this house than Salt Lake City, and 206 a higher one.

For the statewide picture, see home insurance costs in Utah.

Compare all states: home insurance costs for the same house in all 50 states and D.C.

Is $200 a month a lot for home insurance in Salt Lake City?

$200 a month is more than our sample home averages in Salt Lake City, $174 a month, the least expensive of the 2 Utah cities in our data with at least 5 ZIP codes. 3 of the 5 insurers we compared averaged under $200 for the same house: Farmers ($83), USAA (military families only) ($116) and State Farm ($137). If a quote for your home is near $200, compare its dwelling limit and deductibles with ours ($300,000 and $1,000) before you decide.

What is the 80% rule in homeowners insurance?

A consumer guide from the National Association of Insurance Commissioners, the group of state insurance regulators, explains that many policies reduce a partial-loss payment if you insure for less than 80% of your home’s replacement cost, the cost to rebuild it. For our $300,000 sample house, that’s at least $240,000, so check your limit against a current rebuilding cost, not the home’s market value.

How do wind and hail deductibles work in Salt Lake City?

Your deductible is the amount you pay out of pocket on each claim before your insurer pays. The house we priced has a $1,000 deductible for covered losses other than a hurricane, including wind and hail. Our sample home request also includes a 2% hurricane deductible, a setting we use in every state; real Salt Lake City policies may use a separate wind and hail deductible, so ask for yours.

Your wind and hail deductible in dollars (illustration only)

The table shows deductibles, not premiums. At 2%, the deductible on our sample home’s $300,000 dwelling is $6,000, more than the $2,088 a year that house averages in Salt Lake City.

A higher deductible usually lowers your premium, so weigh the lower price against the bigger bill you’d face after a storm.

What if an insurer won’t renew your Salt Lake City home?

Read the notice and your policy’s own cancellation and nonrenewal terms, then start shopping right away. If a notice doesn’t make sense to you, or you need help with a claim, call the Utah Insurance Department at 801-957-9200.

In our data, every insurer we compared priced our sample home in all 18 Salt Lake City ZIP codes.

How much is condo insurance in Salt Lake City?

Condo insurance for our sample condo averages $51 a month ($606 a year) in Salt Lake City. For our sample condo, prices among the 4 insurers we compared ranged from $13 to $118 a month, a $105-a-month gap for the same coverage.

Condo insurance averages by insurer in Salt Lake City for our sample condo (rates as of Sept. 30, 2026)

Farm Bureau Financial Services averaged $13 a month ($160 a year), State Farm $30 ($364), USAA (military families only) $40 ($485) and Auto-Owners $118 ($1,416) for our sample condo.

We don’t name a lowest condo insurer in Salt Lake City (the methodology explains when we do); the condo table above lists every insurer’s average for the same condo, from $13 to $118 a month.

Auto-Owners’ condo average is about 4.2 times the other insurers’ average; without it, Salt Lake City’s condo average would be $28 a month ($336 a year).

For condo insurance, Salt Lake City is the most expensive of the 2 Utah cities in our data with at least 5 ZIP codes: its average is about the same as the Utah condo average of $606 a year ($51 a month) and 26.0% above the average of the 50 states and D.C., $481 a year ($40 a month). Among the 292 U.S. cities in our data with at least 5 ZIP codes priced, 163 have a lower condo average for our sample condo than Salt Lake City, 128 a higher one. Our sample condo’s policy costs about 29% of what our sample home costs to insure in Salt Lake City.

For the same insurers and ZIP codes, the Salt Lake City condo average fell 1.3% since Nov. 2025, from $614 to $606 a year, as Farm Bureau Financial Services’ fell 7.7%, USAA’s (military families only) rose 5.1% and Auto-Owners’ fell 2.8%.

By ZIP code, the Salt Lake City condo average for our sample condo ran from $49 a month in 84129 to $52 in 84115. Of the 18 ZIP codes, 4 averaged more than the city’s $51 a month for our sample condo, 8 less and 6 the same.

Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. The owner is 40, single, has good credit and no claims in 10 years.

• $60K unit coverage
• $60K belongings
• $1,000 deductible
• Built 2005

Which part of a Salt Lake City condo is yours to insure?

The association’s master policy covers the building, and your condo policy covers what the declaration and master policy leave to you. In our sample policy, $60,000 covers the inside of the unit and $60,000 your belongings, and that package averages $51 a month in Salt Lake City.

What to check with your HOA before you buy condo insurance

• The master policy: ask the association or manager for its certificate of insurance and declarations page.
• Bare walls or more: find out whether it stops at the bare walls or also covers fixtures and finishes; that sets your unit coverage.
• The master deductible: ask how large it is and whether the association can pass part of it to owners after a storm.
• Loss assessment: ask your insurer how much loss assessment coverage your policy includes (it can pay your share if the association bills owners for a covered loss to shared parts of the building).

Official resources for Salt Lake City homeowners

• Utah is Earthquake Country, Salt Lake City Emergency Management Earthquake insurance reminders, retrofit help for older brick homes through Fix the Bricks, and home safety steps.
• Utah Earthquakes, State of Utah Utah’s earthquake handbook, Wasatch fault scenario and earthquake probability publications.
• Utah Insurance Department Consumer help, complaints and licensed insurers. Consumer line: 801-957-9200.
• National Association of Insurance Commissioners: homeowners guide Coverage basics and the 80% rule.
• FEMA Flood Map Service Center The official source for FEMA flood maps.
• FloodSmart FEMA’s site for the National Flood Insurance Program.