New York vs Utah Car Insurance

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

Quick Verdict

More Affordable

Utah is $710/yr cheaper on average.

Fewer Uninsured

New York has a lower uninsured rate (6.1% vs 8.2%).

Rate & Coverage Comparison

Attribute	New York	Utah
Avg Annual Premium	$2,320	$1,610
Min Liability	$760	$530
Full Coverage	$2,320	$1,610
Fault System	No-Fault	No-Fault
Uninsured Rate	6.1%	8.2%
Registered Vehicles	16,564,819	2,683,040
Accidents/Year	248,472	40,245
Population	20,201,000	3,272,000

Minimum Coverage Requirements

New York

25/50 / 10 liability

Utah

25/65 / 15 liability

Premium Comparison

New York$760 – $2,320

Liability: $760Avg: $2,320Full: $2,320

Utah$530 – $1,610

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

New YorkFull 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, New York or Utah?

Utah has cheaper car insurance, with an average annual premium of $1,610 compared to $2,320 in New York - a difference of $710 per year.

How do New York and Utah compare on fault systems?

New York uses a no-fault system while Utah uses a no-fault system. Both states use the same system.

What are the minimum insurance requirements in New York vs Utah?

New York requires 25/50 / 10 liability. Utah requires 25/65 / 15 liability. Minimum liability costs $760/yr in New York and $530/yr in Utah.

Which state has more uninsured drivers, New York or Utah?

Utah has a higher uninsured driver rate at 8.2%, compared to 6.1% in New York. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the New York 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

New York

Utah

Avg Annual Premium

$2,320

$1,610

Min Liability

$760

$530

Full Coverage

$2,320

$1,610

Fault System

No-Fault

Uninsured Rate

6.1%

8.2%

Registered Vehicles

16,564,819

2,683,040

Accidents/Year

248,472

40,245

Population

20,201,000

3,272,000