Homeowners insurance in Utah: premium by ZIP code
Utah's median ZIP code paid $1,041 per policy in 2022, second lowest of any state, after a rise of +18.2% after inflation.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Utah (median ZIP code)
$1,041
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $1,387.
| Change from 2018 to 2022, after inflation | +18.3% |
| Premium per policy in 2018 | $880 |
| Premium per policy in 2022 | $1,041 |
| 2022 premium carried to September 2026 (BLS index) | $1,387 |
| Policies not renewed by the insurer, 2022 | 0.90% |
| Claims paid per 100 policies, yearly average | 3.3 |
| Average claim paid, 2018 to 2022 (adjusted) | $13,236 |
| Cancelled for nonpayment, 2022 | 1.07% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 248 ZIP codes in 29 counties of Utah in the Treasury file · not a quote
Utah is one of the cheapest states for homeowners insurance in the Treasury file and one of the fastest rising. The median ZIP code paid $880 per policy in 2018 and $1,041 in 2022, a rise of +18.2% after inflation, ranked 4 of 51, while its level ranked 50. Every large county rose by about a sixth or more: Salt Lake +16.9% to $1,082, Utah County +17.0%, Washington County around St. George +17.3%, Cache County +22.0%. Rapid growth, rising construction costs and a climbing loss ratio, from 32% in 2018 to 44% in 2022, went with it. Park City's 84060 was the dearest ZIP code, $5,246. Claims were few and modest, $13,236 on average. Utah has no FAIR plan for homes. Earthquake is a separate policy. The data stop in 2022.
The Wasatch Front
Salt Lake County had 36 ZIP codes in the file and a median of $1,082 in 2022; Utah County, Provo and Orem, paid $1,044. Both sit along the Wasatch Fault, and earthquake is excluded from standard homeowners policies; a separate endorsement or policy, usually with a deductible of 10 percent or more of the dwelling limit, adds it. Few Utah households carry it. Brick and unreinforced masonry houses in older Salt Lake neighborhoods are the most exposed, and Salt Lake City has run a program to help owners retrofit them.
A Utah premium carried from 2022 to today
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The 2022 premium at September 2026 homeowners insurance prices
$1,441
| Same premium carried with general inflation (CPI-U) instead | $1,246 |
| Index rise 2018 to 2022, for comparison | 6.9% |
| Consumer prices 2018 to 2022 | 16.5% |
St. George, Logan and the resort towns
Washington County paid $1,061 after a rise of +17.3%, and Cache County, Logan, $1,054 after +22.0%, the fastest of the large counties. Summit County holds both of the dearest ZIP codes, 84060, Park City, at $5,246 and 84098 at $3,043, with high-value homes and wildfire exposure on the mountain slopes. The cheapest were rural ZIP codes in the south, 84749 in Wayne County and 84740 in Piute County, around $805.
Why a cheap state rose fast
Utah's paid claims per 100 policies went 2.6, 3, 3.5, 3.4, 3.6 from 2018 to 2022, and the paid loss ratio 32%, 36%, 45%, 45%, 44%. More frequent claims raise rates, and a growing stock of new houses, built when labor and materials were expensive, raises dwelling limits; both lift the premium per policy. The national index added more after 2022. The page on rising premiums explains the mechanics.
Renewals and the regulator
The median nonrenewal rate went 0.53%, 0.56%, 0.55%, 0.69%, 0.90% from 2018 to 2022, ranked 24 of 51. Utah has no residual market plan for homes listed in the Treasury report. The Utah Insurance Department handles complaints. Winter pipe freezes and water damage are the common Utah claims; the claim calculator helps decide whether a small one is worth filing.
Utah, year by year
| Year | Utah median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $880 | $1,445 | 0.53% | 2.6 | 32% |
| 2019 | $910 | $1,469 | 0.56% | 3 | 36% |
| 2020 | $950 | $1,491 | 0.55% | 3.5 | 45% |
| 2021 | $995 | $1,521 | 0.69% | 3.4 | 45% |
| 2022 | $1,041 | $1,551 | 0.90% | 3.6 | 44% |
The Utah counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Salt Lake County | 36 | $922 | $1,082 | +16.9% | 0.89% | $12,986 |
| Utah County | 22 | $893 | $1,044 | +17.0% | 0.87% | $13,436 |
| Washington County | 18 | $903 | $1,061 | +17.3% | 1.11% | $15,600 |
| Cache County | 15 | $854 | $1,054 | +22.0% | 0.48% | $14,718 |
| Box Elder County | 14 | $872 | $1,119 | +28.9% | 0.94% | $13,081 |
| Sanpete County | 13 | $867 | $982 | +12.9% | 1.12% | $12,825 |
| Sevier County | 11 | $797 | $958 | +21.2% | 0.89% | $8,459 |
| Davis County | 10 | $1,040 | $1,224 | +21.2% | 0.66% | $13,775 |
Highest and lowest premiums per policy, Utah ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 84060 | Summit County | $5,246 | +26.9% | 0.51% |
| 84098 | Summit County | $3,043 | +28.3% | 1.67% |
| 84004 | Utah County | $2,264 | +24.7% | 0.98% |
| 84061 | Summit County | $2,010 | +21.2% | 2.42% |
| 84103 | Salt Lake County | $1,967 | +14.1% | 0.85% |
| 84749 | Wayne County | $805 | -2.8% | 0.00% |
| 84740 | Piute County | $810 | +0.9% | 0.00% |
| 84752 | Beaver County | $815 | +2.4% | 0.00% |
| 84052 | Duchesne County | $837 | -6.6% | 1.55% |
| 84724 | Sevier County | $839 | +17.5% | 0.00% |