Below are our picks for the best home and auto insurance bundling companies in Utah:
Best Home and Auto Insurance in Utah
Updated: April 8, 2025
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Key Takeaways
Farmers, USAA and Nationwide are Utah's top home and auto insurance choices.
Farmers offers the best home and car insurance discount, with savings of 15% on auto and 19% on home insurance.
Utah residents pay an average of $2,124 annually for home and auto insurance, 31% less than the national average.
Who Offers the Best Home and Auto Insurance Bundles in Utah?
| USAA | 92 | $2,054 | $203 |
| Auto-Owners | 91 | $2,019 | $239 |
| Nationwide | 86 | $1,749 | $178 |
| State Farm | 84 | $1,752 | $559 |
| Farmers | 75 | $1,696 | $328 |
| Allstate | 67 | $2,675 | $337 |
| Kemper | No Data | $2,920 | $196 |
Farmers: Best Cheap Home and Auto Insurance in Utah
Farmers offers the most affordable home and auto insurance in Utah, with many discounts to help customers save on premiums. Drivers can save up to 15% on car insurance through Signal, Farmers telematics program. Farmers also provides several savings programs for young drivers.
| Auto | $1,308 | $237 | 15% |
| Home | $389 | $91 | 19% |
USAA: Best Home and Auto Insurance in Utah for Military
USAA is the best home and auto insurance company for military members and their families. It offers various discounts and unique coverage options like pay-per-mile insurance that can save you more on auto policies. According to J.D. Power, USAA provides the nation's top customer service for home and auto insurance.
| Auto | $740 | $28 | 4% |
| Home | $1,315 | $176 | 12% |
Nationwide: Best Home and Auto Insurance Coverage in Utah
Nationwide is Utah's second-most affordable option for home and auto insurance. It offers several strong discount opportunities, including one for completing a defensive driving course. Nationwide also offers unique coverage options that other major insurers might not provide, such as accident forgiveness, a vanishing deductible and identity theft coverage.
| Auto | $903 | $88 | 9% |
| Home | $846 | $91 | 10% |
Utah Home and Auto Insurance Cost
Utah's average monthly home and auto insurance cost is $177, about 31% lower than the national average of $258. Depending on the provider, monthly rates range from $141 to $243.
| Utah home and auto insurance bundle | $2,124 | $970 | -31% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Utah Home and Auto Insurance Quotes Without Bundling
While not bundling home and auto insurance in Utah can be cheaper, your quotes might differ. Below are the average costs of all coverage combinations using top providers without bundling, from cheapest to most expensive.
| USAA | Farmers | $1,247 |
| Nationwide | Farmers | $1,470 |
| Auto-Owners | Farmers | $1,523 |
| USAA | Nationwide | $1,703 |
| USAA | State Farm | $1,775 |
| State Farm | Farmers | $1,783 |
| USAA | Kemper | $1,883 |
| Auto-Owners | Nationwide | $1,979 |
| USAA | Auto-Owners | $1,983 |
| Nationwide | State Farm | $1,998 |
| Auto-Owners | State Farm | $2,051 |
| Allstate | Farmers | $2,053 |
| Nationwide | Kemper | $2,106 |
| Auto-Owners | Kemper | $2,159 |
| USAA | Allstate | $2,205 |
| Nationwide | Auto-Owners | $2,206 |
| State Farm | Nationwide | $2,240 |
| State Farm | Kemper | $2,419 |
| Nationwide | Allstate | $2,429 |
| Kemper | Farmers | $2,480 |
| Nationwide | USAA | $2,481 |
| Farmers | Nationwide | $2,481 |
| Auto-Owners | Allstate | $2,481 |
| Allstate | Nationwide | $2,509 |
| State Farm | Auto-Owners | $2,519 |
| Auto-Owners | USAA | $2,533 |
| Farmers | State Farm | $2,553 |
| Allstate | State Farm | $2,581 |
| Farmers | Kemper | $2,661 |
| Allstate | Kemper | $2,689 |
| State Farm | Allstate | $2,742 |
| Farmers | Auto-Owners | $2,761 |
| Allstate | Auto-Owners | $2,789 |
| State Farm | USAA | $2,794 |
| Kemper | Nationwide | $2,937 |
| Farmers | Allstate | $2,983 |
| Kemper | State Farm | $3,008 |
| Farmers | USAA | $3,035 |
| Allstate | USAA | $3,063 |
| Kemper | Auto-Owners | $3,216 |
| Kemper | Allstate | $3,439 |
| Kemper | USAA | $3,491 |
Should I Bundle Home and Auto Insurance in Utah?
Bundling home and auto insurance is typically more expensive for Utah drivers. Evaluate your coverage needs and financial situation to determine your best choice.
Individual policies cost less in Utah
In Utah, buying separate home and auto insurance policies saves you money. The cheapest annual cost without bundling is $1,247, while bundling costs more at $1,696.
Bundling makes policy management convenient
Managing your insurance is easier with bundled policies. You handle everything through a single account.
It might be better not to bundle in Utah
Choosing nonbundled insurance can save you money and offer more flexible coverage options.
Best Auto and Home Insurance in Utah: Bottom Line
Farmers, USAA and Nationwide are Utah's top choices for bundling home and auto insurance in Utah. However, buying separate policies usually costs less. Compare multiple companies and get quotes to find the best deal for your situation.
Home and Auto Insurance in Utah: FAQ
Find expert answers to common Utah home and auto insurance questions here:
Who has the best home and auto insurance in Utah?
Farmers offers the best cheap home and auto insurance in Utah. USAA is best for military members and their families. Nationwide provides the top coverage options in the state.
Who has the cheapest home and auto insurance in Utah?
Farmers offers Utah's cheapest home and auto insurance bundle, with an annual premium of $1,696 — an annual savings of $328 compared to the state average.
How much does home and auto insurance in Utah cost on average?
Utah's average annual premium for home and auto insurance bundle is $2,124, below the national average by about 31%. The most affordable bundling rate is $1,696, while the highest can go up to $2,920.
Is bundling home and auto insurance cheaper in Utah?
In Utah, buying separate home and auto insurance policies costs less than bundling them. While looking for savings, make sure your coverage meets your needs.
Best Auto and Home Insurance Bundle in Utah: Our Methodology
Bundle Scoring System
MoneyGeek calculated home and vehicle insurance rates using data from the Utah Insurance Department and Quadrant Information Services. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual home and auto insurance scores. We also examined each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Utah
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Utah
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.