The Best Cheap Renters Insurance in Utah

The average cost of renters insurance in Utah is $21 per month. Nationwide's lower prices can save you 21% compared to the state average.

Cheapest renters insurance companies in Utah

The average price of coverage in Utah is $14 per month — most insurance companies are not much more or less expensive than that rate. Amica is the exception, where the average price of coverage is $20 per month.

Utah renters insurance is about $4 cheaper per month than in the country as a whole. In the United States, renters insurance costs about $18 per month, on average.

Cheapest renters insurance companies in Utah

Best renters insurance for most people: Nationwide

We recommend Nationwide for most renters insurance customers in Utah, as it has the best overall combination of affordable prices, coverage options, and good customer service.

Nationwide has an average rate of just $11 per month, making it slightly cheaper than Allstate, and $36 less than the average annual price in Utah.

What sets Nationwide apart is its range of appealing coverage options. While many other companies offer identity theft, replacement cost, or valuable items coverage, Nationwide is the only one we found that has all three. And no other company we considered offered water backup coverage.

Nationwide's customer service is good but not perfect. It received a Complaint Index of 0.66 from the National Association of Insurance Commissioners, meaning it received one-third fewer complaints than an average company its size. However, J.D. Power didn't like it as much.

If you're willing to spend more for top-rated customer service, we recommend Amica instead.

Best rated: Amica

For Utah renters willing to pay extra for a strong customer experience, we recommend Amica. It's the top-rated insurer we considered in Utah, but its rates are on the high side.

The average price for Amica in Utah was about $20 per month, or $243 per year. That's more than any other insurer we looked at, and nearly double the price of the least expensive option.

Amica received a top score in our service ratings for renters insurance, reflecting the positive experiences customers tend to report while buying a policy or making a claim. Amica receives one-eighth as many complaints as an average U.S. home insurance company according to the NAIC — suggesting customers are very likely to be satisfied with their experience.

Unfortunately, Amica is also not a great choice if you need renters insurance coverage that goes beyond the basics. While it does offer a few add-ons like replacement cost coverage , it lacks options like water backup or equipment breakdown coverage.

Best for discounts: Farmers

For renters who are focused on finding the lowest rates and can do the legwork to qualify for discounts, we recommend Farmers. It has the best array of discounts available, combined with an already-affordable rate.

Discounts at Farmers include a nonsmoking discount, savings when you switch insurers, and a reduced rate when you bundle your insurance policy, among others.

Farmers' rates are also on the low side. Its average price of $12 per month is only $1 more than our top pick, Nationwide.

If you don't have many belongings, you can reduce your rates even more by lowering your coverage limits. Farmers offers renters insurance policies with limits as low as $4,000 — and that means your rates will be lower, too. But you should always make sure to buy enough coverage to pay for everything you own.

However, Farmers doesn't have very strong customer service or coverage options, so people focused on the best overall experience will likely want to look elsewhere.

Utah renters insurance: Cost by city

Among the 25 largest cities in the state, the cheapest city is Provo, where we found a rate of just $152 annually. That's $25 per year less than in Eagle Mountain, despite their proximity to one another.

Renters insurance costs can change based on where you live. Your bill might be more expensive if break-ins occur frequently in your neighborhood, or cheaper if you live close to a fire station.

Top-rated renters insurance companies in Utah

Both companies are strongly reviewed by ValuePenguin's editors, and USAA is J.D. Power's top overall pick for customer satisfaction. In addition, both received very few complaints according to the NAIC — suggesting customers are usually happy with their service.

Frequently asked questions

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Methodology

We evaluated renters insurance prices from five major insurance companies in 25 major cities in Utah. All our sample quotes are for an unmarried 25-year-old renter who lives alone and has no recent renters insurance claims.

Top picks are determined by our experts, who analyze rates, customer service and coverage options.

Renters insurance star ratings are based on the National Association of Insurance Commissioners (NAIC) complaint index, the J.D. Power customer service satisfaction index and ValuePenguin's editors' ratings.