North Carolina vs Utah Car Insurance

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

Quick Verdict

More Affordable

North Carolina is $260/yr cheaper on average.

Fewer Uninsured

North Carolina has a lower uninsured rate (7.4% vs 8.2%).

Rate & Coverage Comparison

Attribute	North Carolina	Utah
Avg Annual Premium	$1,350	$1,610
Min Liability	$440	$530
Full Coverage	$1,350	$1,610
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	7.4%	8.2%
Registered Vehicles	8,559,980	2,683,040
Accidents/Year	128,399	40,245
Population	10,439,000	3,272,000

Minimum Coverage Requirements

North Carolina

30/60 / 25 liability

Utah

25/65 / 15 liability

Premium Comparison

North Carolina$440 – $1,350

Liability: $440Avg: $1,350Full: $1,350

Utah$530 – $1,610

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

North CarolinaFull 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, North Carolina or Utah?

North Carolina has cheaper car insurance, with an average annual premium of $1,350 compared to $1,610 in Utah - a difference of $260 per year.

How do North Carolina and Utah compare on fault systems?

North Carolina 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 North Carolina vs Utah?

North Carolina requires 30/60 / 25 liability. Utah requires 25/65 / 15 liability. Minimum liability costs $440/yr in North Carolina and $530/yr in Utah.

Which state has more uninsured drivers, North Carolina or Utah?

Utah has a higher uninsured driver rate at 8.2%, compared to 7.4% in North Carolina. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the North Carolina 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

North Carolina

Utah

Avg Annual Premium

$1,350

$1,610

Min Liability

$440

$530

Full Coverage

$1,350

$1,610

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

7.4%

8.2%

Registered Vehicles

8,559,980

2,683,040

Accidents/Year

128,399

40,245

Population

10,439,000

3,272,000