bestauto insuranceWest JordanCompare the Cheapest Car Insurance Quotes in West Jordan, UT
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Car insurance costs in West Jordan vary based on your coverage amount and driver profile. GEICO has the cheapest full coverage and state minimum policies in the city. It is also the most affordable for drivers with speeding tickets and at-fault accidents. MoneyGeek’s findings also show that State Farm is the best company overall for both affordability and service.
bestauto insuranceWest JordanThe Cheapest and Best Car Insurance in West Jordan
The Cheapest Car Insurance Companies in West Jordan
In West Jordan, the car insurance companies with the cheapest full coverage insurance are:
- GEICO: $633 per year
- Nationwide: $957 per year
If you are a member of the military (or part of a military family), you could be eligible for a USAA policy. That’s the second cheapest car insurance company at an average of $644 per year.
American Family is the city’s most expensive car insurance company. It offers full coverage car insurance at an average of $1,363 per year. This is more than twice the amount charged by GEICO for the same coverage.
Full coverage car insurance has collision and comprehensive insurance with liability. Your choice of liability insurance limits will impact how much you pay.
Cheapest Car Insurance in West Jordan
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$633
- 2.$644
- 3.$931
- 4.$957
- 5.$990
MoneyGeek ranked the best car insurance companies in West Jordan using a sample 40-year-old driver with a full coverage policy, per our methodology.
While full coverage car insurance costs more than state minimum policies, it adds comprehensive and collision insurance to state minimum liability and other required coverages. That extra you’re paying is for the added value of protecting you against the cost of damage to your vehicle.
Apart from liability coverage, full coverage also includes:
- Collision insurance: Pays for damages to your car due to an at-fault accident or hitting a stationary object.
- Comprehensive insurance: Protects you from the cost of damage resulting from non-accident-related incidents like vandalism and theft.
With an older car, your premiums for full coverage can exceed the vehicle’s replacement value. In that case, you may wish to consider a state minimum policy or liability-only insurance for the lowest rate.
Compare Car Insurance Rates in West Jordan
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Cheapest Car Insurance in West Jordan for Minimum Coverage
A state minimum liability-only car insurance policy is the cheapest in West Jordan.
On average, the most affordable state minimum car insurance providers in the city are:
- GEICO: $354 per year
- Farmers: $640 per year
USAA is the cheapest provider for military families in West Jordan. Eligible drivers pay an average of $354 per year for state minimum coverage.
GEICO’s average annual cost for state minimum insurance is $627 less than American Family, the most expensive provider in West Jordan, at approximately $981 per year.
State minimum car insurance is the most affordable but does not include comprehensive and collision coverage. With this coverage, you risk not being fully covered. The table below shows how much higher liability coverage costs.
Cheapest Minimum Liability Car Insurance in West Jordan
State Minimum
- CompanyState Minimumper year
- 1.$354
- 2.$354
- 3.$603
- 4.$640
- 5.$684
In West Jordan, your state minimum car insurance policy must have a limit of 25/65/15 plus $3,000 personal injury protection (PIP). A Utah state minimum car insurance policy is the cheapest you can purchase in West Jordan; however, you might have to cover some costs out of pocket if you cause an accident.
For example, if you’re in an at-fault accident and the other driver incurs $35,000 in medical expenses, you’ll be responsible for paying $10,000 of that.
Utah Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $65,000 per accident and $15,000 for property damage. A more protective level is 100/300/100.
- Personal Injury Protection$3,000 per person.
Cheapest Car Insurance in West Jordan if You Have Driving Violations
Any driving violations will increase your car insurance rates, sometimes significantly. The amount of the increase depends on the violation. At-fault accidents and DUIs may be more than speeding tickets.
On average, the most affordable car insurance companies in West Jordan for a full coverage policy if you have a violation are:
- Cheapest after a ticket: GEICO, $782 per year
- Cheapest after an at-fault accident: GEICO, $1,070 per year
- Cheapest after a DUI: Progressive, $1,344 per year
USAA provides the cheapest coverage for drivers with at-fault accidents and DUIs. However, these policies are limited to military families.
If you have a poor driving record, you can find affordable rates by shopping around. You can also improve your driving history to pay lower rates in the future.
Cheapest Car Insurance in West Jordan With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$782
- 2.$814
- 3.$1,110
- 4.$1,237
- 5.$1,241
Average Cost of Car Insurance in West Jordan
West Jordan$1,106
Utah$1,154
U.S.$1,424
The average cost of car insurance in West Jordan is $1,106 per year. That’s 4.2% lower than the state average of $1,154 per year and 22.3% less than the national annual average of $1,424.
Personalized Quotes to Get You the Cheapest Car Insurance in West Jordan
Drivers in West Jordan may want to compare car insurance quotes across insurers regularly to make sure they’re getting the best coverage as their circumstances change. That’s because car insurance rates in West Jordan can change based on factors like your age, driving experience, ZIP code and car model, among other factors. Your rates may be higher or lower depending on how your profile relates to these factors.
Compare Car Insurance Rates in West Jordan
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in West Jordan
MoneyGeek evaluated the best car insurance providers in West Jordan using average rates, claims ratings and user satisfaction scores. Based on these factors, MoneyGeek’s top picks are:
- GEICO: MoneyGeek score of 94 out of 100
- Allstate: MoneyGeek score of 65 out of 100
USAA received a MoneyGeek score of 100 and is the best auto insurance company in West Jordan. But because USAA policies are limited to current and former military members, we excluded them from our analysis.
1
GEICO
Score:94
In West Jordan, GEICO received above-average scores in satisfaction and claims and performed excellently in affordability. GEICO offers full coverage policies at $633 per year, on average. Mechanical breakdown insurance is a rare coverage that GEICO provides.
More About GEICO
With mechanical breakdown insurance, drivers get better rates compared to a dealer’s extended warranty to cover all their car’s parts and systems. One condition is that your car should be less than 15 months old.
GEICO also offers accident forgiveness in West Jordan, where your insurance rates won’t go up after your first at-fault accident. Rental car reimbursement is also available and covers expenses for a car rental if you were involved in a covered accident.
Read MoneyGeek's GEICO auto Insurance Review2
Allstate
Score:65
Allstate earned above-average scores in user satisfaction and claims but didn’t excel in affordability since a full coverage policy costs around $1,121 per year in West Jordan. A unique add-on that Allstate offers is portable electronics and media coverage.
More About Allstate
Allstate offers 10 different coverages in West Jordan — which is noticeably more than other insurance providers. Portable electronics and media covers loss for CDs, tapes and similar items used for your vehicle’s sound system. Another rare coverage that Allstate offers is custom parts coverage, which protects against the damage of custom parts that were caused by a comprehensive loss like vandalism or severe weather.
Allstate policyholders can also add gap insurance, deductible modification and more. Gap insurance helps drivers who need to pay their car loan or lease after a covered loss.
Read MoneyGeek's Allstate auto Insurance Review3
State Farm
Score:65
4
Farmers
Score:62
5
Nationwide
Score:62
6
American Family
Score:56
7
Esurance
Score:48
8
Progressive
Score:47
9
MetLife
Score:27
Average Cost of Car Insurance by Postal Code
Car insurance rates in West Jordan vary based on your ZIP code. If your neighborhood has a lot of car theft, accidents and other vehicle-related incidents, you are more likely to pay higher premiums.
In West Jordan, car insurance rates are very similar in the city’s lowest-priced and highest-priced ZIP codes. The 84081 ZIP code pays an average of $1,087 per year for car insurance, while 84084 pays $1,124 per year. That’s a difference of $34 between the two neighborhoods.
- Zip CodeState Minimumper year
- 84081$1,087
- 84084$1,124
Factors That Impact Insurance Costs in West Jordan
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in West Jordan. How West Jordan ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
