Utah vs Wyoming Car Insurance

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

Quick Verdict

More Affordable

Wyoming is $180/yr cheaper on average.

Fewer Uninsured

Wyoming has a lower uninsured rate (5.8% vs 8.2%).

Rate & Coverage Comparison

Attribute	Utah	Wyoming
Avg Annual Premium	$1,610	$1,430
Min Liability	$530	$470
Full Coverage	$1,610	$1,430
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	8.2%	5.8%
Registered Vehicles	2,683,040	473,140
Accidents/Year	40,245	7,097
Population	3,272,000	577,000

Minimum Coverage Requirements

Utah

25/65 / 15 liability

Wyoming

25/50 / 20 liability

Premium Comparison

Utah$530 – $1,610

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

Wyoming$470 – $1,430

Liability: $470Avg: $1,430Full: $1,430

UtahFull rates, age breakdown, requirements →WyomingFull 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 Wyoming?

Wyoming has cheaper car insurance, with an average annual premium of $1,430 compared to $1,610 in Utah - a difference of $180 per year.

How do Utah and Wyoming compare on fault systems?

Utah uses a no-fault system while Wyoming 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 Wyoming?

Utah requires 25/65 / 15 liability. Wyoming requires 25/50 / 20 liability. Minimum liability costs $530/yr in Utah and $470/yr in Wyoming.

Which state has more uninsured drivers, Utah or Wyoming?

Utah has a higher uninsured driver rate at 8.2%, compared to 5.8% in Wyoming. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Utah vs Wyoming 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

Wyoming

Avg Annual Premium

$1,610

$1,430

Min Liability

$530

$470

Full Coverage

$1,610

$1,430

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

8.2%

5.8%

Registered Vehicles

2,683,040

473,140

Accidents/Year

40,245

7,097

Population

3,272,000

577,000