"Compared with nearby states, Utah is one of the most affordable. Nevada homeowners with a mortgage also average $1,000-$1,499, with non-mortgaged owners paying slightly less at $800-$999. Idaho trends similarly, with mortgage holders paying $1,000-$1,499 and non-mortgaged households averaging $800-$999. Colorado is much more expensive, with mortgaged owners typically paying $2,000-$2,499. Arizona also averages $1,000-$1,499, aligning with Utah's affordability levels. This makes Utah one of the lowest-cost insurance states in the Mountain West."
"According to the American Community Survey (ACS) data from the U.S. Census Bureau, Utah homeowners with a mortgage typically pay $1,000-$1,499 annually for homeowners insurance, while those without a mortgage average just $800-$999. Overall statewide costs also fall into the $800-$999 range. Utah has 824,019 insured homeowner households in total-560,729 with a mortgage and 263,290 without. Among mortgaged owners, 53,367 pay less than $100 annually and 19,918 pay $4,000 or more."
Homeowners insurance premiums are rising in climate-vulnerable Gulf Coast and Western states, but Utah remains comparatively affordable. Utah homeowners with a mortgage typically pay $1,000–$1,499 annually, while non-mortgaged owners average $800–$999; statewide costs fall into the $800–$999 range. Utah has 824,019 insured homeowner households: 560,729 with a mortgage and 263,290 without. Among mortgaged owners, 53,367 pay less than $100 annually and 19,918 pay $4,000 or more. Among non-mortgaged owners, 40,041 pay less than $100 and 10,197 pay $4,000 or more. Neighboring Nevada, Idaho, and Arizona show similar ranges; Colorado is notably costlier.
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