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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

How to get affordable renters insurance in Utah

Renters insurance is an optional but important insurance coverage. It keeps your stuff safe in the event your rental property suffers damage from a common incident. A renters policy defends your items in the event of fire, smoke damage, a wind storm, theft, vandalism and a collection of other calamities.

Unlike auto insurance, renters insurance isn't priced based on state-level legislation. Even so, there are sometimes substantial variations in renters insurance pricing by state. Renters insurance rates by state diverge based on the number and cost renters policy claims filed statewide, and also on the value of the belongings you're covering.

Getting a renters policy in Utah is cheaper than the US average. The typical annual renters insurance rate in Utah is $135, $49 less expensive than in other states.

The easiest way to acquire a cheap renters insurance policy in Utah is to view prices from multiple insurance companies. Get an idea of typical renters insurance rates in Utah via the below data. Your rates may vary, depending on your coverage details and the value of your belongings.

Jump to:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Bundling discounts
  5. Frequently asked questions

Renters insurance prices in Utah by company

Prices for renters insurance in Utah differ based on the insurance company you select. Allstate provides the most affordable renters insurance policies in Utah — $105 each year. This compares favorably to Utah's average price of $135, offering a 23% discount on average statewide renters insurance costs.

Start your search for a renters insurance policy by reviewing the cheapest Utah carriers, listed below.

Insurance Company Average 12-Month Rate in Utah
Allstate $105
AAA $110
MetLife $117
State Farm $121
Travelers $125

Utah renters insurance costs by city

Not every city in Utah has equal renters insurance costs. Prices depend on city-specific variables, such as the number of local claims filed, meaning your ZIP code could have a major impact on how much you pay.

The best renters insurance in Utah is available in Logan. The average renters insurance policy in Logan costs only $130 per year — $5 less than the average policy in other Utah cities. The below cities have the most affordable renters insurance in Utah.

City Average Annual Renters Insurance Rate
Logan $130
Bountiful $138
Layton $138
Clearfield $138
Draper $139

Renters insurance in UT by coverage tier

The cost of your renters insurance depends on the amount of coverage you opt to carry. The most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In Utah, the annual cost differential between these levels is approximately $35. If you can afford to insure your personal property at this additional expense, it's worth considering.

Coverage Level Average Annual Renters Insurance Rate in Utah
$25K Property $117
$50K Property $152


Tip: bundle auto and renters insurance in Utah

If you're trying to save, consider purchasing your renters and car insurance policies from the same company. A renters and car insurance bundle in Utah can save you a substantial sum each month on your auto insurance policy. In fact, bundling policies in Utah leads to an a yearly discount of $64.

Avg. Annual Rate (No Bundle) Avg. Annual Rate (w/ Bundle) Annual Savings ($) Annual Savings (%)
$1,209 $1,144 $65 6%

Utah renters insurance FAQs


Is renters insurance required in Utah?

While it is not required by the state of Utah, renters insurance is highly recommended as it provides coverage to your possessions as well as liability coverage should you accidentally cause property damage or bodily injury. A landlord may require renters insurance as part of the rental agreement.

What does Utah renters insurance cover?

Utah renters insurance will most often cover your personal belongings should they be damaged, stolen, lost, or destroyed. Some of the perils covered include fire, windstorms, theft, and explosions, among others. The specifics of your coverage can vary depending on which company you choose.

Need renters insurance? Talk to an expert today.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.