Ogden Insurance Rates:

Ogden, UT home insurance is approximately $414 to $558, about $34-$46/month. Our detailed research indicates shoppers can save upto $194 by getting many quotes

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Ogden, Utah Homeowners share details on the cheapest & most trustworthy home insurance companies for you to compare & get great deals.

Ogden Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $790/6 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $465,000

5 Beds, 5 Bath 4200 sqft Seasonal Residence Constructed In 1964 with Ceramic Tile Flooring, Slate Shingles Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Divorced Male who is a Freelancer with household income of $100-$150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $90/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $295,000

5 Beds, 5 Baths 3070 sqft Seasonal Residence Constructed In 2001 with Ceramic Tile Flooring, Asphalt Shingles Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Smoke Alarm, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

Home Insurance Rate of $260/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Baths 2210 sqft Primary Residence Constructed In 2003 with Ceramic Tile Flooring, Slate Shingles Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Central Air Conditioning, Deadbolt Locks, Smoke Alarm, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Married Male who has a Full Time Job with household income of $100-$150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $470/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $175,000

4 Beds, 4 Baths 2240 sqft Seasonal Residence Constructed In 1978 with Ceramic Tile Flooring, Membrane Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Smoke Alarm, Deadbolt Locks, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

Home Insurance Rate of $60/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $240,000

5 Beds, 5 Baths 2950 sqft Rental Property Constructed In 2010 with Ceramic Tile Flooring, Asphalt Shingles Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $140/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $225,000

3 Beds, 3 Baths 2230 sqft Vacation Property Constructed In 1948 with Carpet over wood flooring, Composition Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Swimming Pool, Copper Water Pipes, Smoke Alarm, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Ogden, UT Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
84414 $220,800 $500
84403 $179,900 $500
84401 $177,600 $490
84405 $172,300 $490
84404 $151,600 $490

Ogden Rates & Quotes Analysis:

Ogden Area Estimated House Insurance
E Lomond View Dr, S 3900 W, N 925 E, S 200 W, S 1615 East St, S Water Tower Way, S 3375 W, N Big Horn Pkwy E, W 4350 S, E 5850 S$508
S Iroquois Way E, S 1035 E, E Quail Cir N, E 3090 N, W Lomond View Dr, 3900 South St, S 2500 W, E 3050 N, 3850 West St, E Aspen Ln N$519
S 4325 W St, W 5550 S, N Fairway Dr, 4425 South St, Eyrie Dr, 5900 South St, Buena Vista Dr, 2950 North St, Grandview Dr, Mountain Orchard Dr$486
E 550 S, S 5000 W St, W 4550 S, 2050 West St, 4525 South St, 700 N, S 3675 W, E 2650 N, E 5015 S, N Monroe Blvd$477
Pennsylvania Ave, N 2875 E St, Cross St, E 5285 S, S 500 W, Bel Mar Dr, E 2300 N, N 525 E, Trappers Ct, Healy St$525
575 East St, 550 North St, 5750 South St, S 250 East St, Spring Way, S 1950 W, S 3550 W St, 2750 West St, E 670 N, 2450 West St$483
W Ridgeline Dr, S 3950 W, Carriage Ln, N 1300 E, S 5300 W, E 2800 N, N Avalon Hills Dr, Westlake Dr, S 1075 E St, S 860 E St$496
Oakwood Ct, 2950 North St, 3950 S, Ridgedale Dr, W 2000 S St, E 5400 South St, D Ave, N Sierra Dr E, Valley View Cir, W Arlington Way N$514
Robins Ave, Edvalson St, 575 W, 2675 W, W 5975 S, S 4050 W, E 625 S, 2900 North St, S 250 E, E 5400 N$486
5500 South St, W 4300 S, S 2475 W, W 3960 S, N 700 E, N Jefferson Ave, 1850 North St, W 4450 S, S 2425 W, N 925 East St$486

Insurance rates are influenced by a number of factors including:

  • Year Built: 11,560 Homes (15% of total) built between 1990 to 1999 in Ogden are paying home insurance between $701-$708 and varies from West Haven (+$32), Marriott-Slaterville (+$20), Farr West (+$21), Randolph-Woodruff (-$18) and Howell (-$15).
  • Bedrooms: 25,577 3 bedrooms homes (33% of total homes ) in Ogden are paying about $307. Areas near to Ogden such as West Haven, Marriott-Slaterville, Farr West are costlier by $14, $8, $9 respectively whereas Washington Terrace and Garland are more economical by $3, $4 respectively for similar homes.
  • Auto Insurance Bundling: 15,734 Households (30% of all households) in Ogden have 3 or more vehicles available and when it is bundled with home insurance you can save $121. Discounts for similar bundling in close by locations such as West Haven, Riverdale, Marriott-Slaterville come to $127, $121, $125 respectively.
  • Senior Discounts: 20,159 seniors (more than 55 years) occupied housing units (39% of total) in Ogden get discounts between $72 to $74. The comparative concessions in proximate regions such as West Haven, Riverdale and Marriott-Slaterville are $76, $72 and $75 respectively.
  • New Homes discounts: New homes such as the 34,626 homes built between 2000 to 2009 in Ogden can save $97 and similar new home insurance discounts in nearby towns and cities like West Haven, Riverdale and Marriott-Slaterville are $101, $97 and $100 respectively.

Ogden Homeowners insurance Facts

  • Ogden, UT has 50,786 owner occupied houses which is 70.4% of all units whereas West Haven, Riverdale and Marriott-Slaterville have 79.61%, 73.13% and 83.75% respectively.
  • Ogden, UT homeowners yearly insurance price at $486 is 0.29% of the typical house value of $166,000 which is in contrast with 0.19% in West Haven, 0.3% at Riverdale & 0.21% in Marriott-Slaterville.
  • Homeowners in Ogden, UT pay 1.77% of their income ($25,000 to $29,999) in insurance whereas homeowners in West Haven, Riverdale and Marriott-Slaterville pay 1.85%, 1.76% and 1.82% respectively.
  • Ogden, UT’s insurance is 3.1% of monthly housing costs of $1,293/month, for owners with a mortgage compared to 2.38% in West Haven, 3.32% at Riverdale & 2.67% in Marriott-Slaterville. But, for households without a mortgage, insurance is 11.6% of costs ($348 in Ogden, UT) in contrast with 8.8% in West Haven, 12.1% at Riverdale & 10.04% in Marriott-Slaterville.

Ogden, UT Home Values & Insurance rates

For example, insurance for 4,166 Homes (8.0% of total homes ) valued between $250,000 to $299,999 in Ogden, UT is about $801. Rates in nearby areas in such as West Haven, Marriott-Slaterville, South Ogden are cheaper by $288, $216, $40 respectively while Riverdale and Roy are costlier by $33 and $33 respectively for similar homes.

Ogden, UT Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,653 5.0% $72
$60,000 to $69,999 664 1.0% $189
$70,000 to $79,999 931 1.0% $218
$80,000 to $89,999 1,236 2.0% $247
$90,000 to $99,999 1,565 3.0% $277
$100,000 to $124,999 5,668 11.0% $320
$125,000 to $149,999 6,874 14.0% $398
$150,000 to $174,999 8,621 17.0% $471
$175,000 to $199,999 5,028 10.0% $544
$200,000 to $249,999 6,566 13.0% $656
$250,000 to $299,999 4,166 8.0% $801
$300,000 to $399,999 3,713 7.0% $1020

Renters Insurance in Ogden

  • Average Renters Insurance in Ogden :  $166($13/month)

  • Median Gross Rent in Ogden :  $757

  • Ogden Renters Insurance to Median Rent Ratio:  1.72%

  • Average household size of renter-occupied unit :  2.59

Ogden Renters Insurance as a Percentage of Rent

Ogden Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 573 2.0% $341
$200 to $299 530 2.0% $791
$300 to $499 2,016 9.0% $1241
$500 to $749 6,855 33.0% $1916
$750 to $999 5,834 28.0% $2666
$1,000 to $1,499 3,978 19.0% $3791
$1,500 or more 596 2.0% $5441

Rent Affordability in Ogden:

Approximately 38.0% (8,298) of households are spending more than 35% of their income on gross rent in Ogden

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,641 12.0%
15.0 to 19.9 percent 3,233 15.0%
20.0 to 24.9 percent 2,783 13.0%
25.0 to 29.9 percent 2,479 11.0%
30.0 to 34.9 percent 1,960 9.0%
35.0 percent or more 8,298 38.0%

Ogden Renters Insurance Discounts:

Ogden Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Ogden, UT Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 8,929 41.0% $16.6
2 vehicles available 7,536 35.0% $24.9
3 or more vehicles available 2,007 9.0% $33.2

Ogden Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 1,472 6.0% $75
60 to 64 years 832 3.0% $60
65 to 74 years 1,087 5.0% $49
75 years and over 900 4.0% $37

Protective device discount in Ogden Up to :  $24

Claims-free discount in Ogden Up to :  $33