Renters Insurance in Utah — Average Cost 2026
Average renters insurance in Utah: $245/year ($20/month). Utah ranks #20 out of 51 states — below the national average.
Average annual
$245
Average monthly
$20
National rank
#20
of 51 states
vs national avg
-6.8%
Utah vs national average
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State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Renters insurance in Utah: wildfire considerations
Renters in Utah pay around $20/month, 7% below the national average. Wildfire exposure in parts of Utah can affect availability and pricing even for renters policies, since insurers price personal property coverage based on regional risk, not just building ownership.
A standard policy still covers smoke and fire damage to your belongings along with $100,000 in personal liability, and additional living expenses if you're temporarily displaced. If you're in a high-risk zone, confirm your policy explicitly covers wildfire before you need to file a claim.