Pennsylvania vs Utah Car Insurance

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

Quick Verdict

More Affordable

Utah is $150/yr cheaper on average.

Fewer Uninsured

Pennsylvania has a lower uninsured rate (7.6% vs 8.2%).

Rate & Coverage Comparison

Attribute	Pennsylvania	Utah
Avg Annual Premium	$1,760	$1,610
Min Liability	$580	$530
Full Coverage	$1,760	$1,610
Fault System	No-Fault	No-Fault
Uninsured Rate	7.6%	8.2%
Registered Vehicles	10,662,460	2,683,040
Accidents/Year	159,936	40,245
Population	13,003,000	3,272,000

Minimum Coverage Requirements

Pennsylvania

15/30 / 5 liability

Utah

25/65 / 15 liability

Premium Comparison

Pennsylvania$580 – $1,760

Liability: $580Avg: $1,760Full: $1,760

Utah$530 – $1,610

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

PennsylvaniaFull 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, Pennsylvania or Utah?

Utah has cheaper car insurance, with an average annual premium of $1,610 compared to $1,760 in Pennsylvania - a difference of $150 per year.

How do Pennsylvania and Utah compare on fault systems?

Pennsylvania 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 Pennsylvania vs Utah?

Pennsylvania requires 15/30 / 5 liability. Utah requires 25/65 / 15 liability. Minimum liability costs $580/yr in Pennsylvania and $530/yr in Utah.

Which state has more uninsured drivers, Pennsylvania or Utah?

Utah has a higher uninsured driver rate at 8.2%, compared to 7.6% in Pennsylvania. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Pennsylvania 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

Pennsylvania

Utah

Avg Annual Premium

$1,760

$1,610

Min Liability

$580

$530

Full Coverage

$1,760

$1,610

Fault System

No-Fault

Uninsured Rate

7.6%

8.2%

Registered Vehicles

10,662,460

2,683,040

Accidents/Year

159,936

40,245

Population

13,003,000

3,272,000