Compare average insurance rates in South Ogden for 2026
🏠
Home
$1250
/year
🚗
Auto
$1500
/year
🏥
Health
$480
/month
💰
Life
$20
/month
🏢
Renters
$14
/month
Home Insurance in South Ogden, UT
The average cost of homeowners insurance in South Ogden, Utah is $1,250 per year in 2026. This compares to the state average of $1,250 per year.
$1,250per year (avg in South Ogden)
$800UT avg: $1,250$1800
Factors Affecting Home Insurance in South Ogden
🏠
Home Value Average: $480,000
🌪
Weather Risk medium
🌊
Flood Zone 3% of properties
📈
Cost Index 1.0 (100 = national avg)
📌
Earthquake Zone: South Ogden is in an earthquake-risk area. Standard homeowners policies typically do not cover earthquake damage. Consider adding a separate earthquake insurance policy.
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$384,000
$192,000
$100,000
$937
Standard (HO-3)
$480,000
$240,000
$300,000
$1,250
Premium (HO-5)
$600,000
$360,000
$500,000
$1,687
Auto Insurance in South Ogden, UT
The average annual cost of auto insurance in South Ogden is $1,500, compared to the Utah state average of $1,500.
$1,500per year (avg in South Ogden)
$950UT avg: $1,500$2150
📋
Minimum Coverage in Utah: 25/65/15
⚖️
No-Fault State: Utah is a no-fault insurance state. This means your own insurance pays for your injuries regardless of who caused the accident. Personal Injury Protection (PIP) coverage is required, which can increase premiums.
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$825
Full Coverage
100/300/100
$500 deductible
$500 deductible
$1,500
Premium
250/500/250
$250 deductible
$250 deductible
$1,950
Health Insurance in South Ogden, UT
The average monthly health insurance premium in South Ogden is $480 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$480per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$345
$7,000
$9,100
Healthy, low usage
Silver
$480
$4,500
$9,100
Moderate usage
Gold
$600
$1,650
$8,700
Regular medical needs
Platinum
$720
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in South Ogden
💰 Life Insurance
$20
per month (20-year term, $500K)
Life insurance rates in Utah are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $20/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$14
per month (avg in South Ogden)
Renters insurance in South Ogden covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for South Ogden
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in South Ogden, UT is $1,250 per year for a standard HO-3 policy. Rates range from $800 to $1,800 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in South Ogden is $1,500 per year for full coverage. Liability-only coverage averages around $675 per year. Utah requires minimum coverage of 25/65/15.
Insurance costs in South Ogden are close to the national average (cost index: 1.00). Home insurance averages $1,250/yr and auto insurance $1,500/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 1.00), earthquake vulnerability, average home values ($480,000), your personal claims history, credit score, and no-fault insurance laws in Utah.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. South Ogden residents can potentially save $550+ per year.
Utah requires minimum auto liability coverage of 25/65/15 (bodily injury per person / per accident / property damage in thousands). As a no-fault state, PIP coverage is also required.
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