Compare the Cheapest Car Insurance Quotes in West Valley City

Car insurance in West Valley City costs an average of $1,174 per year, slightly higher than the state average. MoneyGeek analyzed the cheapest providers based on the coverage amount and driver’s profile. The cheapest widely-available insurer in the city is GEICO, at approximately $685 per year. MoneyGeek also researched the best companies in West Valley City that balance affordability and service quality.

Compare Auto Insurance Rates

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin
Last Updated: 5/16/2022
Advertising & Editorial Disclosure
By     |  

On average, GEICO is the most affordable car insurance provider in West Valley City. The amount you pay will depend on your driving history and coverage. GEICO also provides the cheapest rates for state minimum coverage and for drivers with speeding tickets. For military members, USAA has the most affordable policies. MoneyGeek found that State Farm is the best company if you’re looking for a balance of affordability and service.

iconribbonbestauto insuranceWest Valley City2022

The Cheapest and Best Car Insurance in West Valley City

The Cheapest Car Insurance Companies in West Valley City

Full coverage car insurance consists of liability insurance plus comprehensive and collision car insurance. It offers more protection after an at-fault accident but has higher premiums than liability-only insurance.

On average, the top car insurance companies in West Valley City with the cheapest full coverage rates are:

  • GEICO: $685 per year
  • Nationwide: $992 per year

Drivers who are military members can obtain the cheapest insurance in West Valley City from USAA at an average of $655 per year.

Metlife is the most expensive insurance provider in the city, at an average rate of $1,405 per year. That’s more than twice that GEICO charges for the same coverage. Note that your rates may vary significantly based on your driving history and coverage limit.

Cheapest Car Insurance in West Valley City
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $655
  • 2.
    GEICO
    $685
  • 3.
    Nationwide
    $992
  • 4.
    Progressive
    $1,065
  • 5.
    Esurance
    $1,080
  • 6.
    Farmers
    $1,092
  • 7.
    Allstate
    $1,162
  • 8.
    State Farm
    $1,296
  • 9.
    American Family
    $1,377
  • 10.
    MetLife
    $1,405
  • 11.
    Progressive
    $1,581

MoneyGeek used a 40-year-old sample driver with a full coverage policy to collect car insurance quotes in West Valley City, per our methodology.

State minimum insurance costs less than full coverage since it does not include comprehensive and collision insurance. Even though it’s more expensive, full coverage is valuable because it protects you against the cost of damage to your vehicle. It offers:

  • Comprehensive insurance: This insurance covers the damage caused by theft, vandalism and other incidents that are not accident-related.
  • Collision insurance: This coverage pays to repair damage to your car from hitting a stationary object or another car.

If you have an older vehicle, MoneyGeek recommends the state minimum coverage or liability-only insurance since the high cost of a full coverage policy could be more than your car’s replacement value.

Compare Car Insurance Rates in West Valley City

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

widget-location-pin
Insurance Rates

Cheapest Car Insurance in West Valley City for Minimum Coverage

The most affordable car insurance in West Valley City is a state minimum policy. While it has the lowest rates, it may not provide adequate coverage in an accident.

On average, the cheapest minimum car insurance policies in West Valley City come from:

  • GEICO: $397 per year
  • Farmers: $616 per year

USAA policies are the cheapest at an average of $361 per year but are only available to military members and their families.

The most expensive insurer in the city is American Family, at $983 per year. Your rates for the state minimum car insurance policy may be higher or lower than the average costs in this study based on the coverage amount you choose. Using the table below can help you compare costs.

Cheapest Minimum Liability Car Insurance in West Valley City
State Minimum

A liability-only car insurance policy must meet the state’s minimum requirements. In West Valley City, your policy must have a limit of at least 25/65/15 plus personal injury protection (PIP) coverage of at least $3,000.

If your expenses after an accident exceed these limits, you will have to pay the extra costs out of pocket. For instance, if you’re in an at-fault accident and the medical expenses for the other driver total $40,000, your insurer will only pay $25,000. You will need to cover the remaining $15,000.

Utah Minimum Liability Requirements

  • Item
    Description
  • 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 Valley City if You Have Driving Violations

The average car insurance rates in West Valley City greatly depend on the driver’s profile. A history of violations like DUIs and speeding tickets can cause your rates to spike significantly.

The cheapest car insurance providers in the city for drivers with severe violations are from:

  • Cheapest after a ticket: GEICO, $848 per year
  • Cheapest after an at-fault accident: GEICO, $1,172 per year
  • Cheapest after a DUI: American Family, $1,396 per year

USAA has the cheapest coverage for drivers with violations. However, its policies are only available to military members and their families.

If you have a history of violations, you can lower your rates over time by improving your record. In the meantime, you should shop around and compare quotes to secure the cheapest coverage.

Cheapest Car Insurance in West Valley City With a Violation
Speeding Ticket

Average Cost of Car Insurance in West Valley City

West Valley City$1,174
Utah$1,154
U.S.$1,424

The average cost of car insurance in West Valley City is higher than the state but lower than the national average. Drivers pay an average of $1,174 per year in West Valley City. That’s 1.7% more than the state average of $1,154 and 17.6% lower than the national average of $1,424.

Personalized Quotes to Get You the Cheapest Car Insurance in West Valley City

Car insurance quotes in West Valley City are affected by several factors. These include your age, gender, the make and model of vehicle, the coverage level you select and even your ZIP code.

When you’re shopping for cheap car insurance in West Valley City, you’ll get the best rates for your needs by comparing quotes across providers. We also recommend that you regularly ask for a personalized quote as your circumstances change.

Compare Car Insurance Rates in West Valley City

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

widget-location-pin
Insurance Rates

The Best Car Insurance Companies in West Valley City

MoneyGeek considered various factors when determining the best car insurance providers in West Valley City, including J.D. Power user satisfaction, affordability and financial stability.

From the research, the best providers in the city that balance customer service and affordability are:

  • State Farm: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

The highest MoneyGeek score is for USAA at 100 out of 100. However, the insurer exclusively serves military members and their families.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
State Farm
Score:90

3/5

Affordability

3/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

3
GEICO
Score:90

5/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
CSAA
Score:82.5

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

6
Liberty Mutual
Score:82.5

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

7
American Family
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

9
Safeco
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
Progressive
Score:77.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

Average Cost of Car Insurance by Postal Code

Your neighborhood can determine how much you pay for auto insurance in West Valley City. If your neighborhood is prone to car thefts and accidents, for example, you will most likely pay higher premiums for your car insurance. In West Valley City, the only ZIP code evaluated by MoneyGeek is 84128, with an average annual cost of $1,174.

  • Zip Code
    State Minimumper year
  • 84128
    $1,174

Factors That Impact Insurance Costs in West Valley City

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 Valley City. How West Valley City ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities83rd/300
handcuffs2 icon
Most Car Thefts238th/300
uninsured icon
Most Uninsured Motorists by State39th/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall221st/300
umbrella icon
Most Rainy Days164th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for West Valley City are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.