Ohio vs Utah Car Insurance

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

Quick Verdict

More Affordable

Ohio is $320/yr cheaper on average.

Fewer Uninsured

Utah has a lower uninsured rate (8.2% vs 12.4%).

Rate & Coverage Comparison

Attribute	Ohio	Utah
Avg Annual Premium	$1,290	$1,610
Min Liability	$420	$530
Full Coverage	$1,290	$1,610
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	12.4%	8.2%
Registered Vehicles	9,675,180	2,683,040
Accidents/Year	145,127	40,245
Population	11,799,000	3,272,000

Minimum Coverage Requirements

Ohio

25/50 / 25 liability

Utah

25/65 / 15 liability

Premium Comparison

Ohio$420 – $1,290

Liability: $420Avg: $1,290Full: $1,290

Utah$530 – $1,610

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

OhioFull 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, Ohio or Utah?

Ohio has cheaper car insurance, with an average annual premium of $1,290 compared to $1,610 in Utah - a difference of $320 per year.

How do Ohio and Utah compare on fault systems?

Ohio 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 Ohio vs Utah?

Ohio requires 25/50 / 25 liability. Utah requires 25/65 / 15 liability. Minimum liability costs $420/yr in Ohio and $530/yr in Utah.

Which state has more uninsured drivers, Ohio or Utah?

Ohio has a higher uninsured driver rate at 12.4%, compared to 8.2% in Utah. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Ohio 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

Ohio

Utah

Avg Annual Premium

$1,290

$1,610

Min Liability

$420

$530

Full Coverage

$1,290

$1,610

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

12.4%

8.2%

Registered Vehicles

9,675,180

2,683,040

Accidents/Year

145,127

40,245

Population

11,799,000

3,272,000