Maine vs Utah Car Insurance

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

Quick Verdict

More Affordable

Maine is $710/yr cheaper on average.

Fewer Uninsured

Maine has a lower uninsured rate (4.5% vs 8.2%).

Rate & Coverage Comparison

Attribute	Maine	Utah
Avg Annual Premium	$900	$1,610
Min Liability	$300	$530
Full Coverage	$900	$1,610
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	4.5%	8.2%
Registered Vehicles	1,116,840	2,683,040
Accidents/Year	16,752	40,245
Population	1,362,000	3,272,000

Minimum Coverage Requirements

Maine

50/100 / 25 liability

Utah

25/65 / 15 liability

Premium Comparison

Maine$300 – $900

Liability: $300Avg: $900Full: $900

Utah$530 – $1,610

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

MaineFull 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, Maine or Utah?

Maine has cheaper car insurance, with an average annual premium of $900 compared to $1,610 in Utah - a difference of $710 per year.

How do Maine and Utah compare on fault systems?

Maine 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 Maine vs Utah?

Maine requires 50/100 / 25 liability. Utah requires 25/65 / 15 liability. Minimum liability costs $300/yr in Maine and $530/yr in Utah.

Which state has more uninsured drivers, Maine or Utah?

Utah has a higher uninsured driver rate at 8.2%, compared to 4.5% in Maine. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Maine 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

Maine

Utah

Avg Annual Premium

$900

$1,610

Min Liability

$300

$530

Full Coverage

$900

$1,610

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

4.5%

8.2%

Registered Vehicles

1,116,840

2,683,040

Accidents/Year

16,752

40,245

Population

1,362,000

3,272,000