Cheapest and Best Car Insurance Companies in West Jordan, UT


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ByMark Fitzpatrick
Edited byMargarita Barresi
ByMark Fitzpatrick
Edited byMargarita Barresi

Updated: May 20, 2024

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The best and cheapest car insurer in West Jordan will depend on your driver profile, coverage needs and budget. For the average 40-year old driver in Boulder, the cheapest full coverage auto insurance is Nationwide. Teens and families also score best with this insurer. USAA is the cheapest for military-affiliated drivers. For those with traffic offenses, some of the cheapest offers come from Auto-Owners Insurance Co and American Family.

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2024

Cheapest and Best Car Insurance in West Jordan, UT

Why Trust MoneyGeek? MoneyGeek collated numerous insurance quotes in West Jordan, UT, and relied on information from Quadrant Information Services and the Utah Insurance Department.

35,040Quotes Analyzed
 
12Companies Compared

Cheapest Minimum Liability Car Insurance in West Jordan

In West Jordan, the most cost-effective auto insurance providers for a minimum coverage policy are Farmers Union Insurance and Nationwide.

  • Farmers Union Insurance: $414 per year
  • Nationwide: $499 per year

Conversely, Kemper is the priciest option, charging $965 per year. Opting for the cheapest companies can save you around $591 per year on auto insurance premiums. Premiums in West Jordan are significantly higher than the cheapest car insurance rates in Utah from Nationwide at around $309 per year,

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Farmers Union InsuranceAnnual Premium$414Monthly Premium$35
NationwideAnnual Premium$499Monthly Premium$42
Auto-Owners Insurance CoAnnual Premium$503Monthly Premium$42
GEICOAnnual Premium$508Monthly Premium$42
ProgressiveAnnual Premium$535Monthly Premium$45
Iowa Farm BureauAnnual Premium$629Monthly Premium$52
State FarmAnnual Premium$642Monthly Premium$53
FarmersAnnual Premium$684Monthly Premium$57

The minimum liability insurance coverage mandated in Utah includes:

  • $25,000 bodily injury liability per person
  • $65,000 bodily injury liability per accident
  • $15,000 property damage liability per accident
  • $3,000 personal injury protection

When the overall expenses from a car accident surpass your $25,000 bodily injury liability coverage limit, you'll have to pay the rest out of pocket. For example, if the injured driver's medical expenses are $50,000, your insurance will cover the first $25,000, leaving you responsible for the remaining $25,000.

MoneyGeek generally recommends purchasing higher coverage limits than the minimum mandated by law.

Cheapest Full Coverage Car Insurance in West Jordan

The following are the top companies in West Jordan for those seeking inexpensive full coverage auto insurance:

  • Nationwide: $808 per year
  • Farmers Union Insurance: $846 per year

Your choice of car insurance provider can have a significant impact on your finances. On the pricier end of the spectrum, Kemper charges an average annual premium of $1,951.

For comprehensive coverage at a low cost, Nationwide offers affordable auto insurance options in Utah, with an average annual premium of $725, cheaper than its West Jordan rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
NationwideAnnual Premium$808Monthly Premium$67
Farmers Union InsuranceAnnual Premium$846Monthly Premium$70
Auto-Owners Insurance CoAnnual Premium$881Monthly Premium$73
GEICOAnnual Premium$892Monthly Premium$74
ProgressiveAnnual Premium$1,041Monthly Premium$87
American FamilyAnnual Premium$1,081Monthly Premium$90
Iowa Farm BureauAnnual Premium$1,109Monthly Premium$92
State FarmAnnual Premium$1,119Monthly Premium$93

A full coverage policy includes liability, collision and comprehensive coverage.

  • Collision Insurance covers damages to your car if you collide with another vehicle or object.
  • Comprehensive Insurance covers damages caused by other events, such as theft, fire, or natural disasters.

You should choose a minimum policy over a full coverage policy if you want to save money on your premiums or if your car's value is low enough that comprehensive coverage may not be worth the additional cost.

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Cheapest Car Insurance in West Jordan After a Driving Offense

The following companies offer West Jordan drivers with a record of traffic violations the most affordable car insurance rates:

  • Speeding: Auto-Owners Insurance Co ($1,168 per year)
  • Accident: American Family ($1,081 per year)
  • DUI: American Family ($1,326 per year)

Kemper is the priciest option for these violations, with rates ranging from $2,091 to $2,817 per year.

While the above cheap companies may be cost-effective for West Jordan drivers with a history of traffic violations, their rates will still be considerably higher than those for drivers without any violations.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
NationwideAnnual Premium$953Monthly Premium$79
GEICOAnnual Premium$1,102Monthly Premium$92
Farmers Union InsuranceAnnual Premium$1,143Monthly Premium$95
Auto-Owners Insurance CoAnnual Premium$1,168Monthly Premium$97
State FarmAnnual Premium$1,238Monthly Premium$103
AllstateAnnual Premium$1,311Monthly Premium$109
American FamilyAnnual Premium$1,326Monthly Premium$111
Iowa Farm BureauAnnual Premium$1,348Monthly Premium$112

Drivers with DUIs are more likely to cause accidents, have higher claims costs, and therefore pay higher premiums to compensate for the increased risk. That is why shopping for the cheapest car insurance if you have a bad driving record is important.

Rates for a full coverage policy after a DUI in West Jordan will increase by around $745 and by $280 after an at-fault accident.

Cheapest Car Insurance in West Jordan for Teens and Their Families

Car insurance for teen drivers can be costly, but affordable options are available. The following companies are the cheapest for West Jordan teen drivers on a family policy.

  • Female
    • Nationwide: $1,444 per year
    • Allstate: $2,370 per year
  • Male
    • Nationwide: $1,619 per year
    • Allstate: $2,491 per year

Kemper is the priciest option, with rates of $10,804 per year for male teen drivers and $12,437 for female teen drivers.

Insurance rates for teen drivers are typically higher due to their lack of driving experience and increased risk of accidents. Male teens are also considered riskier to insure than female teens and pay higher premiums. The rate discrepancy drops off in early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,442Individual Plan Monthly Premium$6,007
AllstateFamily Plan Annual Premium$2,363Individual Plan Monthly Premium$10,938
ProgressiveFamily Plan Annual Premium$2,617Individual Plan Monthly Premium$15,704
GEICOFamily Plan Annual Premium$2,698Individual Plan Monthly Premium$22,789
State FarmFamily Plan Annual Premium$2,706Individual Plan Monthly Premium$9,566
Auto-Owners Insurance CoFamily Plan Annual Premium$2,832Individual Plan Monthly Premium$10,151
FarmersFamily Plan Annual Premium$2,838Individual Plan Monthly Premium$15,246
KemperFamily Plan Annual Premium$10,756Individual Plan Monthly Premium$17,919

In addition to shopping around for cheap insurance for teens, the best way to save money is to add teens to the family policy versus purchasing a separate insurance plan. On average, insuring a teenager on a family premium costs $3,707 per year, significantly less than the $7,489 per year cost of an individual policy, and a savings of $3,782 annually.

Cheapest Car Insurance in West Jordan for Military Drivers

Those shopping for cheap insurance for military drivers in West Jordan can secure the most affordable full coverage policies from the following insurers:

  • USAA: $713 per year
  • Nationwide: $808 per year

USAA and Farmers Union Insurance offer the cheapest rates for a minimum coverage policy, at $382 per year and $414 per year, respectively.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$713Monthly Premium$59
NationwideAnnual Premium$808Monthly Premium$67
Farmers Union InsuranceAnnual Premium$846Monthly Premium$70
Auto-Owners Insurance CoAnnual Premium$881Monthly Premium$73
GEICOAnnual Premium$892Monthly Premium$74
ProgressiveAnnual Premium$1,041Monthly Premium$87
American FamilyAnnual Premium$1,081Monthly Premium$90
Iowa Farm BureauAnnual Premium$1,109Monthly Premium$92

How to Compare Cheap West Jordan Car Insurance Quotes Online

If you're looking for car insurance in West Jordan, UT, keep in mind that obtaining an online quote can be time-consuming and involves providing a lot of personal information. Instead, consider using MoneyGeek's car insurance calculator. This tool can provide a quick estimate based on basic information such as your age, vehicle type, coverage level and driving record.

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Rates updated:

Jun 17, 2024

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Best Car Insurance in West Jordan: Summary

The best insurance for you will depend on how much you value coverage, cost and service. MoneyGeek found the following insurers outranked others in the following categories:

  • Best overall: Auto-Owners Insurance Co (MoneyGeek score 80 out of 100)
  • Best for service: Auto-Owners Insurance Co (MoneyGeek score 66 out of 100)
  • Best cheap: Auto-Owners Insurance Co (MoneyGeek score 78 out of 100)

A company’s score can vary depending on how factors are weighed in each category. Location can also significantly impact scores. For example, the best auto insurance in Utah is GEICO, not Auto-Owners, as it is in West Jordan. USAA may be the best insurance of choice for veterans and active military members, with a MoneyGeek score of 85 out of 100.

Best Overall Car Insurance in West Jordan

For the average West Jordan driver, Auto-Owners Insurance Co and Nationwide stand out as the best car insurance providers:

  • Auto-Owners Insurance Co: MoneyGeek score 80 out of 100 ($881 per year)
  • Nationwide: MoneyGeek score 73 out of 100 ($808 per year)

Auto-Owners Insurance Co earned the highest rating for claims management and customer satisfaction. Nationwide followed closely with the same customer satisfaction rating but scored higher on affordability.

USAA is the top auto insurance company for military members, scoring 85 out of 100 on MoneyGeek. It provides exclusive coverage and discounts that cater to the needs of those in the military.

How was this MoneyGeek score calculated?

Auto-Owners

pros

checkmark

Received low number of complaints

checkmark

Decent range of standard coverages

checkmark

High customer satisfaction ratings

cons

close

No New Car Replacement

close

Getting a quote is not available online

COMPANY HIGHLIGHTS

With a MoneyGeek score of 80 out of 100, Auto-Owners Insurance Co ranked as the best of 10 insurers we reviewed in West Jordan. It is for those looking for a decent range of standard coverages at an affordable price.

Auto-Owners Insurance Co is an excellent choice for drivers in West Jordan seeking reliable and comprehensive insurance coverage. The company receives a low number of complaints and has an overall high customer satisfaction rating.

A policy from this insurer costs around $881 per year or approximately $73 per month. It offers two widely-offered coverage options: roadside assistance and rental car/travel reimbursement. Roadside assistance helps if you're stranded because you ran out of gas, or locked yourself out of the car, had a mechanical malfunction, flat tire, or dead battery. Rental car and/or travel insurance pays for a rental if you can’t use your vehicle after a covered incident.

Read MoneyGeek's Auto-Owners Auto Insurance Review

Best Car Insurance in West Jordan for Customer Service

The following insurance providers in West Jordan offer the best customer service regardless of cost:

  • Auto-Owners Insurance Co: MoneyGeek score 66 out of 100 ($881 per year)
  • American Family: MoneyGeek score 63 out of 100 ($1,081 per year)

Both companies have the highest scores for claims management, and American Family earned a perfect score for its range of coverages. Auto-Owners Insurance Co scored 4.68 out of 5 on affordability, which means you get the best customer service at a bargain. Although American Family is more expensive, its range of coverages makes it a great option.

How was this MoneyGeek score calculated?

Auto-Owners

pros

checkmark

Strong record of customer satisfaction

checkmark

Received a low number of complaints

checkmark

High customer satisfaction ratings

cons

close

Does not offer new car replacement

close

Getting a quote online is not currently available

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co offers reliable and comprehensive coverage at an affordable $881 annually or approximately $73 per month. The company received a MoneyGeek score of 66 out of 100, which ranks it as the best among the 10 other insurers we reviewed in the area.

A key indicator of the company’s excellent service is the low number of complaints it receives, which reflects its commitment to providing quality customer service. In addition, the range of standard coverage options available offers customers the protection they need.

Auto-Owners Insurance Co has a strong customer satisfaction record and offers a decent range of coverage options, starting with the most widely offered coverages like rental car and/or travel reimbursement, roadside assistance, gap insurance and deductible modification. It also offers diminished value coverage, which compensates for the car’s diminished value after a covered loss.

Read MoneyGeek's Auto-Owners Auto Insurance Review

Best Cheap Car Insurance in West Jordan

The following insurers offer the best minimum coverage policies for West Jordan drivers:

  • Auto-Owner Insurance Co: MoneyGeek score of 78 out of 100 ($503 per year)
  • GEICO: MoneyGeek score of 71 out of 100 ($508 per year)

In addition to offering minimum coverage at a reasonable price, these insurers also have exceptional ratings for claims handling and customer satisfaction.

The minimum coverage policies in West Jordan offer the lowest rates but provide the least liability protection. In addition, they do not cover damage to your vehicle in an accident, making them the cheapest but riskiest option.

How was this MoneyGeek score calculated?

Auto-Owners

pros

checkmark

Solid reputation for customer satisfaction

checkmark

Low number of customer complaints

checkmark

Offers essential coverages and a generous list of discounts

cons

close

No new car replacement coverage

close

Does not offer online quotes

COMPANY HIGHLIGHTS

Earning an overall MoneyGeek score of 78 out of 100 and costing around $508 per year, Auto-Owners Insurance Co offers drivers looking for minimum coverage the best deal. The company also provides various discount opportunities to help drivers save on premiums.

By bundling multiple types of coverage, customers can save money while still receiving the necessary protection. Auto-Owners Insurance Co offers a package deal that offers multiple coverages for your vehicle and your health, life, home and other insurance needs.

In addition, Auto-Owners Insurance Co offers discounts for drivers who install safety features such as honing devices, anti-lock brakes and airbags. These features reduce the risk of accidents and lower insurance premiums, making it a win-win situation for customers.

Read MoneyGeek's Auto-Owners Auto Insurance Review

Average Cost of Car Insurance in West Jordan

The average annual car insurance cost in West Jordan is $1,100. Comparing this rate with the cost of insurance across the state and country can help you understand where insurance premiums for West Jordan drivers sit in the affordability range.

The national average cost of car insurance is $1,265 per year, whereas the average cost of auto insurance in Utah is $212 less expensive at $1,053 per year.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.