Arizona vs Utah Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Utah is $260/yr cheaper on average.

Fewer Uninsured

Utah has a lower uninsured rate (8.2% vs 11.8%).

Rate & Coverage Comparison

Attribute	Arizona	Utah
Avg Annual Premium	$1,870	$1,610
Min Liability	$620	$530
Full Coverage	$1,870	$1,610
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	11.8%	8.2%
Registered Vehicles	5,968,780	2,683,040
Accidents/Year	89,531	40,245
Population	7,279,000	3,272,000

Minimum Coverage Requirements

Arizona

25/50 / 15 liability

Utah

25/65 / 15 liability

Premium Comparison

Arizona$620 – $1,870

Liability: $620Avg: $1,870Full: $1,870

Utah$530 – $1,610

Liability: $530Avg: $1,610Full: $1,610

ArizonaFull rates, age breakdown, requirements →UtahFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Arizona or Utah?

Utah has cheaper car insurance, with an average annual premium of $1,610 compared to $1,870 in Arizona - a difference of $260 per year.

How do Arizona and Utah compare on fault systems?

Arizona uses a at-fault (tort) system while Utah uses a no-fault system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Arizona vs Utah?

Arizona requires 25/50 / 15 liability. Utah requires 25/65 / 15 liability. Minimum liability costs $620/yr in Arizona and $530/yr in Utah.

Which state has more uninsured drivers, Arizona or Utah?

Arizona has a higher uninsured driver rate at 11.8%, compared to 8.2% in Utah. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Arizona vs Utah insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Arizona

Utah

Avg Annual Premium

$1,870

$1,610

Min Liability

$620

$530

Full Coverage

$1,870

$1,610

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

11.8%

8.2%

Registered Vehicles

5,968,780

2,683,040

Accidents/Year

89,531

40,245

Population

7,279,000

3,272,000