Best and Cheapest Renters Insurance in Utah for 2025 (Save With These 10 Companies)
USAA, Geico, and Travelers offer the best and cheapest renters insurance in Utah, with rates as low as $72 per month—a practical guide for understanding homeowners insurance can help you see why these providers stand out.
These top companies balance affordability, customer satisfaction, and comprehensive coverage. Whether you need budget-friendly protection or premium benefits, they provide the best value for renters in Utah.
| Company | Rank | $100K Policy | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 |
#1 | $72 | A++ | Military Focus | USAA |
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#2 | $75 | A++ | Affordable Rates | Geico |
 |
#3 | $78 | B | Customer Satisfaction | State Farm |
 |
#4 | $80 | A | Strong Discounts | American Family |
 |
#5 | $83 | A++ | Customizable Plans | Travelers |
 |
#6 | $85 | A+ | Broad Availability | Allstate |
 |
#7 | $88 | A+ | Extensive Coverage | Nationwide |
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#8 | $90 | A | Reliable Service | Farmers |
 |
#9 | $92 | A+ | Flexible Options | Progressive |
 |
#10 | $95 | A | Competitive Pricing | Liberty Mutual |
Keep reading to compare their features and find the right policy for your needs. Don't wait until disaster strikes—secure your home with the right coverage now.
Use our free quote comparison tool to find affordable home insurance that fits your needs.
What You Should Know
- Find the best and cheapest renters insurance in Utah with rates as low as $22 a month
- Compare top providers offering affordable coverage tailored to Utah renters' needs
- USAA stands out for top-rated service, competitive pricing, and excellent coverage
#1 – USAA: Top Overall Pick
Pros
- Affordable Rates: USAA delivers Utah renters coverage for as low as $22 per month, the most affordable option.
- Top Financial Strength: The Utah renters insurance coverage offered by USAA is both secure and reliable. See our USAA review for details.
- Military-Focused Coverage: USAA’s renters insurance in Utah includes exclusive benefits for military members, such as coverage for deployment and shared housing.
Cons
- Limited Eligibility: USAA’s renters insurance in Utah is only available to military members, veterans, and their families.
- No Local Agents: USAA works primarily online and over the phone, unlike some other providers, which can be a drawback for people who want in-person service for renters insurance in Utah.
#2 – Geico: Best for Affordable Rates
Pros
- Great Pricing: Geico keeps renters insurance in Utah affordable at $33 per month, making it a great choice for budget-conscious renters.
- Strong Financial Stability: Geico has an A++ rating from A.M. Best, meaning it can be trusted to pay out your renters insurance claim in Utah. Read our Geico renters insurance review.
- Discount for Bundling: You can save money by bundling Utah renters insurance with Geico’s auto insurance.
Cons
- Third-Party Underwriters: Geico’s renters insurance in Utah is underwritten by partner companies, which can lead to varying customer service experiences.
- Less Customization: If you need highly specific coverage, Geico’s renters insurance in Utah may not have as many options as other providers.
#3 – Travelers: Best for Customizable Plans
Pros
- Flexible Coverage Options: Travelers provides renters insurance in Utah with a variety of add-on options, so you can customize your policy based on your own specifications.
- Strong Financial Stability: Travelers is a trusted renters insurance provider in Utah with an A++ rating.
- Discount Opportunities: Travelers has multiple discounts available on renters insurance in Utah, including bundling and loyalty discounts. Find the full list in our Travelers review.
Cons
- Higher Monthly Cost: Travelers' renters insurance in Utah is pricier than some competitors.
- No Military-Specific Benefits: Travelers renters insurance in Utah doesn’t include military-focused perks like USAA does.
#4 – Nationwide: Best for Extensive Coverage
Pros
- Comprehensive Coverage: Nationwide’s renters insurance in Utah includes protection against theft, fire, and even identity theft.
- Strong Financial Standing: With an A+ rating, Nationwide provides reliable renters insurance in Utah. Learn more in our Nationwide review.
- Customizable Policies: You can add extra protection to tailor renters insurance in Utah to your specific needs.
Cons
- Limited Coverage Customization: Nationwide offers fewer options for tailoring renters insurance policies to individual needs.
- Limited Discount Availability: Not all discounts for renters insurance in Utah are available statewide.
#5 – Progressive: Best for Flexible Options
Pros
- Flexible Coverage: Progressive Utah renters insurance offers options for additional coverage, including personal injury protection and water backup.
- Strong Financial Standing: Progressive is a strong financial choice among renters insurance in Utah with an A+ rating.
- Bundling Perks: You can save money by bundling renters insurance in Utah with Progressive’s auto insurance. Get a complete view in our Progressive review.
Cons
- Basic Coverage Options: Progressive’s renters insurance in Utah lacks some extra features offered by competitors.
- Limited Standalone Discounts: Most savings on renters insurance in Utah require bundling with another Progressive policy.
#6 – State Farm: Best for Customer Satisfaction
Pros
- Highly Rated Customer Service: State Farm is known for great support, making renters insurance in Utah easier to manage. Read our State Farm review for more.
- Local Agents Available: With a large network of agents, State Farm provides in-person assistance for renters insurance in Utah.
- Comprehensive Protection: State Farm’s renters insurance in Utah covers liability, personal property, and loss-of-use expenses.
Cons
- Limited Coverage Enhancements: State Farm may offer fewer optional features compared to some rivals.
- Potential Coverage Gaps: High-value items might require additional riders for adequate protection.
#7 – American Family: Best for Strong Discounts
Pros
- Great Discount Programs: American Family offers multiple ways to save on renters insurance in Utah, including multi-policy and loyalty discounts.
- Strong Financial Standing: With an A rating, American Family provides reliable coverage for renters insurance in Utah. Explore our American Family review.
- Customizable Coverage: American Family’s renters insurance in Utah includes options like identity theft protection and scheduled personal property coverage.
Cons
- Basic Coverage Options: American Family’s renters insurance may lack some specialized coverage add-ons.
- Restricted Availability: Certain policy features and benefits may not be accessible in all areas of Utah.
#8 – Farmers: Best for Reliable Service
Pros
- Strong Customer Service: Farmers is known for reliable support, making renters insurance in Utah easy to manage. Find more in our Farmers review.
- A-Rated Financial Strength: With an A rating, Farmers is a financially stable provider of renters insurance in Utah.
- Coverage for High-Value Items: Farmers’ renters insurance in Utah offers extra protection for valuables and identity theft.
Cons
- Fewer Customization Options: Farmers’ renters insurance may offer limited add-ons for personalized coverage.
- Lower Savings Potential: Fewer discount opportunities may make it harder to reduce premium costs.
#9 – Allstate: Best for Broad Availability
Pros
- Widespread Availability: Allstate has a strong presence, making it easy to find renters insurance in Utah.
- A+ Financial Stability: With an A+ rating, Allstate is a secure provider for renters insurance in Utah. Discover details in our Allstate review.
- Bundling Discounts: You can lower costs by bundling renters insurance in Utah with Allstate’s auto or home policies.
Cons
- Limited Coverage Flexibility: Allstate's renters insurance in Utah may offer fewer specialized add-ons.
- Fewer Cost-Saving Features: Renters in Utah may have limited options to reduce their premium costs.
#10 – Liberty Mutual: Best for Competitive Pricing
Pros
- Competitive Pricing: Liberty Mutual provides Utah renters insurance with great coverage at comparable prices.
- A-Rated Financial Strength: With an A rating, Liberty Mutual is a financially secure choice for renters insurance in Utah. See our Liberty Mutual review for more.
- Customizable Policies: Liberty Mutual’s renters insurance in Utah includes add-ons like earthquake and identity theft coverage.
Cons
- Limited Affordability: Liberty Mutual’s renters insurance in Utah is one of the costlier options.
- Inconsistent Customer Experience: Some renters in Utah report varying levels of service quality.
Affordable Renters Insurance Options in Utah
Choosing the right home insurance can feel overwhelming, but a quick price comparison can make all the difference. Whether you're looking for a $100K or $300K policy, knowing what top insurers like USAA, Geico, and State Farm charge can help you find the best deal. Check out the table below to compare rates and make a smarter decision for your home.
| Company | $100K Policy | $300K Policy |
|---|---|---|
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$85 | $145 |
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$80 | $140 |
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$90 | $150 |
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$75 | $135 |
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$95 | $155 |
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$88 | $148 |
|
$92 | $152 |
|
$78 | $138 |
|
$83 | $143 |
|
$72 | $130 |
When choosing renters insurance, it's all about finding the right balance between coverage and cost. From USAA's ultra-cheap rates to Geico's affordable full coverage, there's a policy to fit every renter.
And if you're also shopping for the best and cheapest homeowners insurance, be sure to explore your options to get the protection you need at a price that works for your budget.
Smart Ways to Save on Renters Insurance in Utah
Renters insurance can seem overwhelming to get in Utah, but if you know where to look for discounts, you can ensure that you get the most coverage for the lowest price. Many insurance providers offer savings opportunities based on factors like bundling policies, installing safety devices, maintaining a claims-free record, owning a new home, and enrolling in AutoPay.
The table below highlights these discounts from top insurers, giving you a clear comparison of how much you could save. That makes it easier to trim costs without sacrificing coverage
| Insurance Company | Bundling | Safety Devices | Claims-free | New Home | AutoPay |
|---|---|---|---|---|---|
|
10% | 5% | 10% | 7% | 3% |
|
8% | 6% | 12% | 5% | 4% |
|
12% | 4% | 8% | 8% | 5% |
|
7% | 5% | 10% | 6% | 3% |
|
9% | 6% | 12% | 5% | 4% |
|
10% | 5% | 9% | 7% | 5% |
|
8% | 4% | 10% | 6% | 4% |
|
12% | 5% | 12% | 8% | 5% |
|
10% | 6% | 10% | 7% | 5% |
|
15% | 8% | 15% | 10% | 6% |
That makes it easier to trim costs without sacrificing coverage. Many of these are consistent with the top ways customers say they've saved money on renters insurance, making it easier to trim costs without losing protection.
Taking advantage of these savings allows you to pay a lower premium while still protecting your belongings. Whether you're prioritizing affordability or comprehensive protection, exploring these options can help you find the best renters insurance policy for your needs.
Best Renters Insurance Coverage Options in Utah
Finding the right renters insurance means balancing affordability with essential protection. Here are five top coverage options from the best providers in Utah:
- Personal Property Protection: With USAA, Geico, and Travelers, you get coverage for theft, fire, and water damage, so your belongings are protected no matter what happens.
- Liability Coverage: State Farm, Farmers, and Allstate provide up to $300,000 in liability protection, covering medical bills and legal expenses if someone gets hurt in your rental.
- Loss of Use Coverage: Nationwide Progressive and Liberty Mutual provide support with temporary housing and living expenses if a covered event forces you to leave your rental.
- Customizable Add-Ons: All three Travelers, American Family, and Farmers offer options for more peace of mind, such as identity theft protection and high-value item coverage.
- Bundling Discounts: Geico, Liberty Mutual, and Allstate provide great savings when you bundle renters insurance with auto or home policies, making coverage more affordable.
In a world where everything is getting pricier, the right policy protects you without breaking the bank, so you can have the peace of mind you deserve ahead. Well, take the time to compare quotes today and find the best and cheapest renters insurance that works for your need and budget.
Renters Insurance Claims & Costs
Renters insurance is there to protect you when the unexpected happens, but knowing the most common claims can help you make sure you have the right coverage.
The table below breaks down the top claim types, how often they happen, and their average costs. Since water damage, theft, and fire are some of the biggest risks, having a solid insurance provider matters. Top companies like USAA, Geico, and Travelers offer coverage that can help keep you protected when it counts.
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Water Damage | 30% | $2,500 |
| Theft | 25% | $1,500 |
| Fire Damage | 20% | $10,000 |
| Vandalism | 15% | $2,000 |
| Liability | 10% | $5,000 |
Looking at the numbers, it’s clear that water damage and theft are the most common claims, while fire and liability tend to be the most expensive. A lot of people wonder, does renters insurance cover water damage? The answer depends on your policy, but understanding your coverage ahead of time can save you from surprises down the road.
Knowing these risks can also help you set the right coverage limits and take steps to protect your home. With reliable providers like USAA, Geico, and Travelers, you can feel confident that your renters insurance has your back when you need it most.
Find the Best Cheap Renters Insurance in Utah
Getting the right renters insurance in Utah doesn’t have to be complicated or expensive. The key is to shop around and compare renters insurance quotes to find the best deal for your needs. If you’ve been wondering how much is renters insurance in Utah, the good news is that it’s pretty affordable—starting as low as $22 per month. Of course, the renters insurance Utah cost depends on factors like coverage, deductibles, and discounts, but there are plenty of ways to save.
Whether you’re looking for cheap renters insurance in Utah or a more comprehensive policy, the right coverage is out there. Just take a little time to compare your options, take advantage of discounts, and lock in a policy that gives you peace of mind without breaking the bank. And if you're thinking about long-term protection for your home, it's also worth checking out 5 things to know about home insurance—getting a handle on the basics now can save you both money and stress down the road.
Don’t wait until something happens—protect your belongings today enter your zip code now.
Frequently Asked Questions
Who has the best and cheapest renters insurance in Utah?
USAA offers the best and cheapest renters insurance in Utah with a monthly rate of $22. It has an A++ rating from A.M. Best and is best suited for military members and their families.
Do you need renters insurance in Utah?
In Utah, renters insurance is not mandatory. But many landlords still require tenants to carry a policy. It has the provisions to protect personal belongings, liability, and cover additional living expenses for unforeseen events. Use our free tool to compare quotes from the cheapest home insurance companies by entering your ZIP code.
What is a good minimum for renters insurance?
A good minimum renters insurance policy should include at least $15,000 to $30,000 in personal property coverage and $100,000 in liability coverage. This ensures protection against theft, fire, and other common risks, so if you are wondering, does renters insurance cover theft? The answer is yes, most policies do, whether the theft occurs inside your rental or elsewhere.
Who is most likely to purchase renters insurance?
Renters insurance is commonly purchased by tenants living in apartments, condos, or rental homes. It is especially popular among young professionals, students, and military personnel who need affordable protection.
How much is renters insurance in Utah?
The cost of renters insurance in Utah varies by provider. USAA offers the lowest rate at $22 per month. Geico costs $33 per month, Travelers costs $39 per month, and Nationwide and Progressive both cost $42 per month. More expensive options include State Farm, American Family, Farmers, Allstate, and Liberty Mutual, with rates up to $53 per month.
What insurance is required in Utah?
Utah requires drivers to carry auto insurance with minimum liability coverage. Renters insurance is not required by state law, but some landlords may require it as part of a lease agreement. It is important to understand landlord insurance vs. renters insurance, as landlord insurance covers the building itself, while renters insurance protects the tenant’s personal belongings and liability.
Does Utah require homeowners insurance?
Homeowners insurance is not legally required in Utah. However, most mortgage lenders require homeowners to carry insurance to protect the property from damages and liability risks.
What is the deductible for renters insurance?
For renters insurance, the deductible is usually between $500 and $1,000. A higher deductible decreases the monthly premium but raises out-of-pocket expenses when a claim is filed.
What is the most important part of renters insurance?
Renters insurance helps protect personal belongings, offers liability coverage, and covers additional living expenses. It provides financial security against losses from theft, fire, accidents, and temporary housing costs if your rental becomes uninhabitable. If you are renting out your home, you may also need to consider how does renting my home affect my homeowners insurance? Standard policies may not cover tenant-related risks, so landlord insurance could be necessary.
How much is insurance in Utah?
Renters insurance in Utah starts at $22 per month with USAA. Homeowners insurance averages between $600 and $1,200 per year. Auto insurance typically costs between $40 and $80 per month for minimum coverage.
What is the cheapest insurance in Utah?
For renters insurance, USAA offers the cheapest rate at $22 per month, followed by Geico at $33 per month. For auto insurance, Geico and State Farm often provide the lowest rates.
What happens if you do not have insurance in Utah?
If you do not have renters insurance, you would be responsible for replacing stolen or damaged belongings and covering liability claims. The good news is that how long does it take to get renters insurance? Not long at all. Most providers offer quick online applications, allowing you to get coverage instantly or within a few hours.
What is the minimum insurance required?
The state requires $25,000 in bodily injury coverage per person, $65,000 per accident, and $15,000 in property damage coverage. Rental and homeowners insurance have no legal minimums, but landlords and lenders may require coverage. Get today's cheapest home insurance by entering your ZIP code into our free comparison tool.
What is the minimum home insurance required?
There is no legally required minimum home insurance in Utah. However, mortgage lenders usually require homeowners to have enough coverage to match the loan amount or the cost of replacing the home.
What is the most common amount for renters insurance?
Most renters insurance policies include $30,000 to $50,000 in personal property coverage and $100,000 to $300,000 in liability coverage, with deductibles ranging from $500 to $1,000. Compared to homeowners insurance vs. renters insurance, renters insurance covers belongings and liability, while homeowners insurance also includes the home’s structure. This coverage offers a balance of affordability and protection.