Cheapest and Best Car Insurance Companies in West Valley City, UT

Personal factors can affect the cost of your car insurance, so the cheapest companies may be different for everyone. If you want a full coverage policy, have a speeding ticket on your record or are a teenage driver, Nationwide is the most affordable option. Other affordable companies are American Family for drivers with an at-fault accident on their records, Progressive for those with DUIs and USAA for members of the military.

The cheapest car insurance companies for a minimum coverage policy in West Valley City are:

• Farmers Union Insurance: $433 per year
• Nationwide: $525 per year

Farmers Union Insurance also offers the cheapest car insurance in Utah but at $396 per year. Meanwhile, the most expensive minimum coverage policy in West Valley City is from Kemper, at $994 per year.

The cost of car insurance from the same company can vary across the state, based on location. You can find the most affordable option by comparing rates across insurers.

A minimum coverage policy only covers bodily injury liability, property damage liability and personal injury protection. In Utah, car insurance laws require the following limits:

• $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

Here, your minimum coverage policy will pay the expenses for one injured person for up to $25,000. If more than one person is injured, your policy will only cover up to $65,000. Any costs over the limits are the policyholder’s responsibility.

The cheapest car insurance companies for a full coverage policy in West Valley City are:

• Nationwide: $851 per year
• Farmers Union Insurance: $904 per year

The most expensive company is Kemper, with an average premium of $2,030 per year. Nationwide also has the cheapest full coverage car insurance in Utah at $725 per year. Average premiums in Utah can be more expensive than those in West Valley City. Even from the same company, rates can vary depending on a location's characteristics.

A full coverage policy includes comprehensive and collision insurance.

• Collision Insurance: Covers to repair or replace your vehicle if it hits another car or an object in an at-fault accident.
• Comprehensive Insurance: Covers repairs and replacements when your vehicle incurs damage from incidents unrelated to a collision.

You might not be getting good value for your money if you insure an old or low-value vehicle with a full coverage policy. The policy’s cost could exceed your car’s value.

The cheapest car insurance companies after driving violations in West Valley City are:

• Speeding ticket: Nationwide ($1,006 per year)
• At-fault accident: American Family ($1,088 per year)
• DUI: Progressive ($1,319 per year)

Kemper is the most expensive after a speeding ticket ($2,486 per year) and after an at-fault accident ($2,930 per year). Iowa Farm Bureau has the highest rates after a DUI ($2,778 per year). Car insurance rates for drivers with violations are typically more expensive than rates for drivers with clean records. Even the most affordable option may still cost more than what safe drivers pay.

After a violation, your rates will increase relative to the seriousness of your infraction. In West Valley City, your annual premium might rise by $750 following a DUI but only by $266 following a speeding violation. As a result, the cheapest car insurance for drivers with bad driving records can vary depending on their violations. Needs and other factors can also affect the cost of your car insurance.

The cheapest car insurance companies for teens on a family policy in West Valley City are:

• Nationwide: $1,514 per year for females and $1,698 per year for males
• Allstate: $2,488 per year for females and $2,615 per year for males

Kemper is the most expensive company, with average premiums of $11,164 per year for females and $12,851 per year for males. Insurers view teen males as high-risk drivers, which translates to higher rates. For instance, Nationwide's rate for males is $184 higher than for females. This rate difference disappears as teenage drivers become young adults.

Individual car insurance policies are more expensive for teenagers. Individual policies for teenagers cost at least $7,489 per year, while it only costs $3,707 per year to add a teen to the family policy.

Adding teenagers to the family policy can be the best way to find the cheapest car insurance for teens. In West Valley City, you can save almost half the cost of an individual policy. You can also take advantage of young driver discounts to make premiums more affordable.

The cheapest car insurance companies for members of the military who want a full coverage policy in West Valley City are:

• USAA: $742 per year
• Nationwide: $851 per year

The cheapest companies for a minimum coverage policy are USAA ($400 per year) and Farmers Union Insurance ($433 per year). USAA provides services specifically geared to active duty members, veterans and their qualifying family members, making it a great option for military drivers.

You can spend 15 minutes or longer getting an online car insurance quote in West Valley City, UT. Insurers also often ask for in-depth personal information to determine your rates.

MoneyGeek’s car insurance calculator can quickly give you an estimate of the cost of your car insurance. It only needs your age, vehicle type, coverage level and driving record to determine your rates.

The best car insurance for you depends on your needs and how much you value customer service, affordability and coverage. MoneyGeek identified the best car insurance companies in West Valley City, UT, as:

• Best overall: Auto-Owners Insurance Co. (MoneyGeek score 79 out of 100)
• Best for service: Auto-Owners Insurance Co. (MoneyGeek score 66 out of 100)
• Best cheap: Auto-Owners Insurance Co. (MoneyGeek score 77 out of 100)

MoneyGeek scores for the same company can vary when we adjust weightings. Generally, the best car insurance in Utah is from GEICO, but not in West Valley City, which illustrates how location can affect affordability. In addition, we recommend USAA (MoneyGeek score of 85 out of 100) for military drivers.

The best companies for car insurance in West Valley City are:

• Auto-Owners Insurance Co.: MoneyGeek score 79 out of 100 ($941 per year)
• American Family: MoneyGeek score 74 out of 100 ($1,088 per year)

Auto-Owners Insurance Co. received the best scores for affordability and coverage. It is one of the cheapest options, yet offers most essential coverages. This company can protect you and your car without burning a hole in your pocket.

For military drivers, the best car insurance is from USAA, which received a MoneyGeek score of 85 out of 100. Its average premium is $742 per year.

When we exclude cost, the best companies for customer service in West Valley City are:

• Auto-Owners Insurance Co.: MoneyGeek score 66 out of 100 ($941 per year)
• American Family: MoneyGeek score 63 out of 100 ($1,088 per year)

Auto-Owners Insurance Co. received good scores for customer satisfaction, claims handling and coverage. In addition to providing quality customer service, this company offers most of the important coverages. It has roadside assistance, rental car reimbursement and gap insurance. The company is also an affordable option, so you don’t need to sacrifice cost for quality.

Based on an analysis of affordability and service quality for policies that only meet Utah’s minimum coverage requirements, the best companies in West Valley City are:

• Auto-Owners Insurance Co.: MoneyGeek score 77 out of 100 ($537 per year)
• GEICO: MoneyGeek score 71 out of 100 ($527 per year)

The most affordable minimum coverage policy in West Valley City may have the lowest rates, but it provides the least protection against liability costs and does not cover damages to your car.

A full coverage policy in West Valley City costs $1,162 per year. A full coverage policy includes $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

The average cost of car insurance in the U.S. is more expensive by $212. The average cost of car insurance in Utah is cheaper by $109.