Utah Renters Insurance

Average Renters Insurance Cost in Utah

Renters in Utah pay an estimated $126 per year ($10/month) for a standard policy, based on 2026 industry average data.

Renters Insurance Rates by City in Utah

What Makes Utah Renters Insurance Unique

Utah limits how insurers can use credit, and its low property crime rate is the main reason the state's renters premiums remain below the national average despite growing wildfire risk in the foothills.

Risk Factors Specific to Utah

Underwriters in Utah weigh wildfire, smoke damage, and evacuation-related loss more heavily than in lower-risk states when pricing renters policies.

Renters Insurance Compared With Rent in Utah

The median gross rent in Utah was $1,593 a month in 2024 (U.S. Census Bureau, American Community Survey), 7% above the national median of $1,487. Against that, our estimated renters premium of $126 a year — about $10 a month — equals roughly 8% of one month’s rent for a full year of coverage, one of the ten lowest share among the 50 states in our estimates.

The Coverage Detail That Matters Most in Utah

In Utah, the wildfire question for renters is usually about displacement rather than the building itself. Additional living expenses coverage pays for temporary housing if a covered fire makes your unit unlivable, and many policies also pay for a limited period when a civil authority bars access. Smoke damage to belongings is generally covered as part of fire. Check the limit on additional living expenses — in high-rent areas, a short displacement can exhaust a low limit.

How to Save on Renters Insurance in Utah

• Utah restricts how insurers use your credit-based insurance score, so coverage limits and claims history weigh more heavily in your premium than in most states.

Frequently Asked Questions

Is renters insurance required in Utah?

No. No U.S. state, including Utah, legally requires tenants to carry renters insurance. That said, individual landlords and property management companies in Utah can — and often do — require proof of a policy as a lease condition, especially for larger apartment complexes.

How much does renters insurance cost in Utah?

Renters in Utah pay an estimated $126 per year ($10/month) for a standard policy, based on 2026 industry average data. Actual premiums vary based on coverage limits, deductible, credit history (where allowed), claims history, and the specific building or neighborhood.

Can insurers use your credit score to set renters insurance rates in Utah?

Only within limits. Utah doesn't ban credit-based insurance scores, but it restricts how insurers use them — for example, credit information generally can't be the sole reason to cancel or non-renew a policy. Coverage limits, claims history, and location still drive most of the premium.

What's the biggest renters insurance risk factor in Utah?

In Utah, wildfire is the top concern. Standard renters policies do cover fire damage, including wildfire, but tenants in high-risk fire zones should confirm their insurer is still writing new policies in that area and consider replacement cost coverage given rising rebuild costs.

How much is renters insurance compared with rent in Utah?

With a median rent of $1,593 a month (2024) and an estimated premium of $126 a year, a full year of renters insurance in Utah costs roughly 8% of one month's rent.

*No U.S. state legally mandates renters insurance, though individual landlords may require it as a lease condition. The information on this page is provided for general informational purposes only and reflects estimated industry averages as of 2026. Insurance rates change periodically; always verify current pricing with a licensed insurance professional. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.