Utah vs Virginia Car Insurance

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

Quick Verdict

More Affordable

Virginia is $30/yr cheaper on average.

Fewer Uninsured

Utah has a lower uninsured rate (8.2% vs 9.6%).

Rate & Coverage Comparison

Attribute	Utah	Virginia
Avg Annual Premium	$1,610	$1,580
Min Liability	$530	$520
Full Coverage	$1,610	$1,580
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	8.2%	9.6%
Registered Vehicles	2,683,040	7,077,420
Accidents/Year	40,245	106,161
Population	3,272,000	8,631,000

Minimum Coverage Requirements

Utah

25/65 / 15 liability

Virginia

30/60 / 20 liability

Premium Comparison

Utah$530 – $1,610

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

Virginia$520 – $1,580

Liability: $520Avg: $1,580Full: $1,580

UtahFull rates, age breakdown, requirements →VirginiaFull 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, Utah or Virginia?

Virginia has cheaper car insurance, with an average annual premium of $1,580 compared to $1,610 in Utah - a difference of $30 per year.

How do Utah and Virginia compare on fault systems?

Utah uses a no-fault system while Virginia uses a at-fault (tort) system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Utah vs Virginia?

Utah requires 25/65 / 15 liability. Virginia requires 30/60 / 20 liability. Minimum liability costs $530/yr in Utah and $520/yr in Virginia.

Which state has more uninsured drivers, Utah or Virginia?

Virginia has a higher uninsured driver rate at 9.6%, compared to 8.2% in Utah. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Utah vs Virginia 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

Utah

Virginia

Avg Annual Premium

$1,610

$1,580

Min Liability

$530

$520

Full Coverage

$1,610

$1,580

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

8.2%

9.6%

Registered Vehicles

2,683,040

7,077,420

Accidents/Year

40,245

106,161

Population

3,272,000

8,631,000