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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.

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2023

Cheapest and Best Car Insurance in West Valley City, UT

Cheapest Minimum Liability Car Insurance in West Valley City

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.

Company
Annual Premium
Monthly Premium

Farmers Union Insurance

$413

$34

Farmers Union Insurance

$433

$36

Nationwide

$502

$42

Nationwide

$525

$44

GEICO

$527

$44

Auto-Owners Insurance Co

$537

$45

Auto-Owners Insurance Co

$567

$47

Progressive

$568

$47

GEICO

$570

$47

GEICO

$584

$49

Progressive

$590

$49

Progressive

$651

$54

Iowa Farm Bureau

$657

$55

Farmers

$660

$55

Nationwide

$671

$56

Iowa Farm Bureau

$676

$56

Farmers Union Insurance

$680

$57

Farmers

$695

$58

State Farm

$697

$58

Iowa Farm Bureau

$709

$59

Auto-Owners Insurance Co

$734

$61

State Farm

$743

$62

American Family

$756

$63

American Family

$764

$64

Nationwide

$786

$66

Farmers

$800

$67

Allstate

$811

$68

Allstate

$813

$68

Nationwide

$851

$71

Farmers Union Insurance

$880

$73

State Farm

$900

$75

Allstate

$903

$75

Farmers Union Insurance

$904

$75

American Family

$927

$77

Auto-Owners Insurance Co

$941

$78

Auto-Owners Insurance Co

$952

$79

GEICO

$959

$80

Kemper

$994

$83

Kemper

$997

$83

GEICO

$1,003

$84

Nationwide

$1,062

$88

GEICO

$1,082

$90

American Family

$1,086

$91

American Family

$1,088

$91

Progressive

$1,114

$93

Farmers

$1,134

$95

Kemper

$1,138

$95

Progressive

$1,147

$96

Farmers

$1,151

$96

Iowa Farm Bureau

$1,156

$96

State Farm

$1,189

$99

Iowa Farm Bureau

$1,193

$99

Allstate

$1,243

$104

Iowa Farm Bureau

$1,272

$106

State Farm

$1,281

$107

Allstate

$1,305

$109

Auto-Owners Insurance Co

$1,315

$110

American Family

$1,358

$113

Allstate

$1,373

$114

Farmers

$1,389

$116

Progressive

$1,411

$118

Farmers Union Insurance

$1,411

$118

State Farm

$1,620

$135

Kemper

$2,022

$169

Kemper

$2,030

$169

Kemper

$2,376

$198

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.

Cheapest Full Coverage Car Insurance in West Valley City

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.

Company
Annual Premium
Monthly Premium

Farmers Union Insurance

$413

$34

Farmers Union Insurance

$433

$36

Nationwide

$502

$42

Nationwide

$525

$44

GEICO

$527

$44

Auto-Owners Insurance Co

$537

$45

Auto-Owners Insurance Co

$567

$47

Progressive

$568

$47

GEICO

$570

$47

GEICO

$584

$49

Progressive

$590

$49

Progressive

$651

$54

Iowa Farm Bureau

$657

$55

Farmers

$660

$55

Nationwide

$671

$56

Iowa Farm Bureau

$676

$56

Farmers Union Insurance

$680

$57

Farmers

$695

$58

State Farm

$697

$58

Iowa Farm Bureau

$709

$59

Auto-Owners Insurance Co

$734

$61

State Farm

$743

$62

American Family

$756

$63

American Family

$764

$64

Nationwide

$786

$66

Farmers

$800

$67

Allstate

$811

$68

Allstate

$813

$68

Nationwide

$851

$71

Farmers Union Insurance

$880

$73

State Farm

$900

$75

Allstate

$903

$75

Farmers Union Insurance

$904

$75

American Family

$927

$77

Auto-Owners Insurance Co

$941

$78

Auto-Owners Insurance Co

$952

$79

GEICO

$959

$80

Kemper

$994

$83

Kemper

$997

$83

GEICO

$1,003

$84

Nationwide

$1,062

$88

GEICO

$1,082

$90

American Family

$1,086

$91

American Family

$1,088

$91

Progressive

$1,114

$93

Farmers

$1,134

$95

Kemper

$1,138

$95

Progressive

$1,147

$96

Farmers

$1,151

$96

Iowa Farm Bureau

$1,156

$96

State Farm

$1,189

$99

Iowa Farm Bureau

$1,193

$99

Allstate

$1,243

$104

Iowa Farm Bureau

$1,272

$106

State Farm

$1,281

$107

Allstate

$1,305

$109

Auto-Owners Insurance Co

$1,315

$110

American Family

$1,358

$113

Allstate

$1,373

$114

Farmers

$1,389

$116

Progressive

$1,411

$118

Farmers Union Insurance

$1,411

$118

State Farm

$1,620

$135

Kemper

$2,022

$169

Kemper

$2,030

$169

Kemper

$2,376

$198

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.

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Cheapest Car Insurance in West Valley City After a Driving Offense

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.

Company
Annual Premium
Monthly Premium

Farmers Union Insurance

$556

$46

Nationwide

$603

$50

Nationwide

$627

$52

Progressive

$629

$52

GEICO

$631

$53

Progressive

$691

$58

Farmers Union Insurance

$695

$58

Farmers Union Insurance

$696

$58

Progressive

$700

$58

GEICO

$713

$59

Progressive

$715

$60

Auto-Owners Insurance Co

$725

$60

American Family

$756

$63

American Family

$764

$64

Auto-Owners Insurance Co

$765

$64

Progressive

$771

$64

Nationwide

$773

$64

State Farm

$775

$65

State Farm

$775

$65

GEICO

$779

$65

Progressive

$788

$66

Iowa Farm Bureau

$797

$66

Farmers Union Insurance

$811

$68

Farmers

$815

$68

Iowa Farm Bureau

$823

$69

Farmers Union Insurance

$826

$69

State Farm

$827

$69

State Farm

$827

$69

State Farm

$853

$71

Iowa Farm Bureau

$863

$72

Farmers Union Insurance

$882

$74

Progressive

$883

$74

GEICO

$888

$74

Allstate

$889

$74

Allstate

$894

$74

Auto-Owners Insurance Co

$895

$75

Nationwide

$902

$75

State Farm

$909

$76

Farmers

$915

$76

American Family

$926

$77

American Family

$926

$77

American Family

$927

$77

Nationwide

$935

$78

Farmers

$935

$78

American Family

$938

$78

American Family

$938

$78

Nationwide

$941

$78

Auto-Owners Insurance Co

$945

$79

Farmers

$951

$79

Farmers Union Insurance

$955

$80

GEICO

$979

$82

Progressive

$981

$82

Progressive

$989

$82

Auto-Owners Insurance Co

$991

$83

Allstate

$996

$83

State Farm

$1,001

$83

State Farm

$1,001

$83

Nationwide

$1,006

$84

Iowa Farm Bureau

$1,006

$84

GEICO

$1,011

$84

Iowa Farm Bureau

$1,038

$86

Farmers

$1,054

$88

Farmers

$1,056

$88

Allstate

$1,061

$88

Allstate

$1,062

$88

Kemper

$1,064

$89

Allstate

$1,067

$89

Kemper

$1,067

$89

Allstate

$1,068

$89

Farmers

$1,072

$89

American Family

$1,086

$91

Iowa Farm Bureau

$1,088

$91

American Family

$1,088

$91

State Farm

$1,102

$92

Nationwide

$1,134

$94

GEICO

$1,136

$95

American Family

$1,142

$95

American Family

$1,142

$95

Nationwide

$1,145

$95

Farmers Union Insurance

$1,146

$95

Farmers Union Insurance

$1,154

$96

Nationwide

$1,166

$97

Farmers

$1,175

$98

GEICO

$1,187

$99

GEICO

$1,196

$100

Allstate

$1,200

$100

Allstate

$1,201

$100

Farmers

$1,208

$101

Kemper

$1,213

$101

Nationwide

$1,216

$101

Kemper

$1,216

$101

Kemper

$1,217

$101

Auto-Owners Insurance Co

$1,225

$102

Farmers Union Insurance

$1,226

$102

Auto-Owners Insurance Co

$1,250

$104

Auto-Owners Insurance Co

$1,267

$106

State Farm

$1,316

$110

State Farm

$1,316

$110

Progressive

$1,319

$110

American Family

$1,335

$111

American Family

$1,335

$111

American Family

$1,336

$111

American Family

$1,336

$111

Progressive

$1,358

$113

American Family

$1,358

$113

GEICO

$1,362

$113

Kemper

$1,373

$114

Nationwide

$1,377

$115

Kemper

$1,380

$115

Nationwide

$1,384

$115

Allstate

$1,385

$115

Kemper

$1,390

$116

GEICO

$1,391

$116

Farmers Union Insurance

$1,393

$116

Iowa Farm Bureau

$1,406

$117

State Farm

$1,417

$118

State Farm

$1,417

$118

State Farm

$1,443

$120

Iowa Farm Bureau

$1,449

$121

GEICO

$1,452

$121

Allstate

$1,456

$121

Farmers

$1,470

$122

Nationwide

$1,476

$123

Farmers Union Insurance

$1,482

$123

Progressive

$1,500

$125

Iowa Farm Bureau

$1,528

$127

Farmers

$1,532

$128

Allstate

$1,536

$128

Iowa Farm Bureau

$1,547

$129

Progressive

$1,549

$129

State Farm

$1,553

$129

Auto-Owners Insurance Co

$1,555

$130

Kemper

$1,571

$131

Auto-Owners Insurance Co

$1,571

$131

Iowa Farm Bureau

$1,575

$131

Progressive

$1,592

$133

Auto-Owners Insurance Co

$1,610

$134

Farmers

$1,619

$135

Farmers Union Insurance

$1,625

$135

Iowa Farm Bureau

$1,652

$138

American Family

$1,673

$139

American Family

$1,673

$139

Allstate

$1,676

$140

Allstate

$1,694

$141

GEICO

$1,701

$142

Auto-Owners Insurance Co

$1,701

$142

Farmers

$1,708

$142

Farmers

$1,709

$142

Nationwide

$1,735

$145

Auto-Owners Insurance Co

$1,751

$146

Allstate

$1,762

$147

Iowa Farm Bureau

$1,775

$148

Nationwide

$1,779

$148

Progressive

$1,781

$148

Allstate

$1,788

$149

Farmers Union Insurance

$1,788

$149

State Farm

$1,793

$149

State Farm

$1,793

$149

Farmers

$1,819

$152

Nationwide

$1,828

$152

Iowa Farm Bureau

$1,830

$152

Farmers

$1,859

$155

GEICO

$1,866

$155

Allstate

$1,873

$156

Progressive

$1,894

$158

Allstate

$1,894

$158

Farmers

$1,911

$159

Farmers Union Insurance

$1,917

$160

GEICO

$1,950

$163

Iowa Farm Bureau

$1,952

$163

State Farm

$1,966

$164

Progressive

$1,991

$166

Farmers Union Insurance

$2,018

$168

Farmers

$2,080

$173

Nationwide

$2,130

$178

GEICO

$2,132

$178

Kemper

$2,168

$181

Kemper

$2,175

$181

Auto-Owners Insurance Co

$2,184

$182

Auto-Owners Insurance Co

$2,201

$183

Progressive

$2,203

$184

GEICO

$2,253

$188

Farmers Union Insurance

$2,313

$193

Farmers Union Insurance

$2,475

$206

Kemper

$2,476

$206

Kemper

$2,486

$207

Kemper

$2,546

$212

GEICO

$2,546

$212

Iowa Farm Bureau

$2,695

$225

Auto-Owners Insurance Co

$2,705

$225

Auto-Owners Insurance Co

$2,754

$229

Iowa Farm Bureau

$2,778

$231

Kemper

$2,912

$243

Kemper

$2,915

$243

Kemper

$2,930

$244

Iowa Farm Bureau

$2,964

$247

Kemper

$3,439

$287

Auto-Owners Insurance Co

$3,807

$317

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.

Cheapest Car Insurance in West Valley City for Teens and Their Families

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Nationwide

$947

$1,953

Nationwide

$955

$2,081

Nationwide

$1,076

$3,087

Nationwide

$1,090

$2,249

Nationwide

$1,137

$3,486

Nationwide

$1,144

$2,495

Nationwide

$1,146

$2,874

Nationwide

$1,154

$2,380

Nationwide

$1,200

$3,234

Nationwide

$1,217

$2,653

Nationwide

$1,382

$4,644

Farmers

$1,382

$2,737

Nationwide

$1,439

$5,695

Auto-Owners Insurance Co

$1,448

$4,183

Nationwide

$1,450

$4,159

Farmers

$1,467

$3,011

Auto-Owners Insurance Co

$1,475

$4,273

Nationwide

$1,502

$5,944

Nationwide

$1,514

$6,335

Nationwide

$1,537

$5,746

State Farm

$1,582

$3,759

GEICO

$1,591

$3,534

GEICO

$1,593

$2,399

Nationwide

$1,600

$4,906

Nationwide

$1,616

$6,979

GEICO

$1,629

$2,516

Allstate

$1,660

$2,479

Nationwide

$1,683

$7,267

Nationwide

$1,698

$7,755

Allstate

$1,700

$3,012

GEICO

$1,734

$3,849

Progressive

$1,744

$2,406

Allstate

$1,750

$2,612

State Farm

$1,764

$4,190

GEICO

$1,769

$2,664

Allstate

$1,770

$2,500

GEICO

$1,773

$10,162

Allstate

$1,789

$2,901

Allstate

$1,789

$6,373

Allstate

$1,800

$2,541

Allstate

$1,802

$2,690

Auto-Owners Insurance Co

$1,806

$7,264

State Farm

$1,808

$4,208

Allstate

$1,811

$3,323

GEICO

$1,827

$2,823

Auto-Owners Insurance Co

$1,832

$5,293

Auto-Owners Insurance Co

$1,841

$5,336

Auto-Owners Insurance Co

$1,854

$6,154

State Farm

$1,856

$5,109

GEICO

$1,857

$3,183

GEICO

$1,871

$2,818

Auto-Owners Insurance Co

$1,878

$6,462

Progressive

$1,880

$2,595

GEICO

$1,886

$3,478

GEICO

$1,887

$10,338

Progressive

$1,900

$3,955

GEICO

$1,911

$2,952

Allstate

$1,924

$3,409

Allstate

$1,925

$3,022

State Farm

$1,928

$4,580

Auto-Owners Insurance Co

$1,975

$5,724

Allstate

$1,991

$2,811

Auto-Owners Insurance Co

$1,998

$5,773

Allstate

$1,999

$4,203

Auto-Owners Insurance Co

$2,000

$6,648

State Farm

$2,001

$5,558

Progressive

$2,017

$4,168

Farmers

$2,024

$2,403

State Farm

$2,044

$4,759

Farmers

$2,065

$2,452

Farmers

$2,072

$2,459

Progressive

$2,085

$2,876

Allstate

$2,088

$7,590

Farmers

$2,089

$2,605

Auto-Owners Insurance Co

$2,103

$8,459

Auto-Owners Insurance Co

$2,112

$9,758

Progressive

$2,116

$2,920

Farmers

$2,118

$2,576

Farmers

$2,146

$2,611

Allstate

$2,161

$4,563

State Farm

$2,170

$5,973

Farmers

$2,180

$5,346

Farmers

$2,183

$2,655

Auto-Owners Insurance Co

$2,184

$7,260

Allstate

$2,187

$4,013

Progressive

$2,192

$3,636

Auto-Owners Insurance Co

$2,202

$8,045

Farmers

$2,203

$2,877

GEICO

$2,235

$6,006

Progressive

$2,239

$3,673

Progressive

$2,241

$5,256

State Farm

$2,262

$5,267

Farmers

$2,266

$5,709

Farmers

$2,275

$10,187

Progressive

$2,298

$4,784

Progressive

$2,299

$3,173

State Farm

$2,302

$6,394

Progressive

$2,303

$3,177

State Farm

$2,305

$7,252

GEICO

$2,305

$6,082

GEICO

$2,313

$12,673

Progressive

$2,357

$11,653

Farmers

$2,396

$10,973

GEICO

$2,410

$5,355

Allstate

$2,423

$8,628

State Farm

$2,439

$6,645

GEICO

$2,441

$5,419

Farmers

$2,457

$4,864

Allstate

$2,488

$11,585

Progressive

$2,493

$5,906

Farmers

$2,549

$5,231

Progressive

$2,593

$12,898

Progressive

$2,604

$5,383

Allstate

$2,615

$11,356

Allstate

$2,635

$9,581

Farmers

$2,654

$11,885

State Farm

$2,665

$8,330

Auto-Owners Insurance Co

$2,737

$9,042

Farmers

$2,740

$14,739

Farmers

$2,816

$12,897

Auto-Owners Insurance Co

$2,822

$11,358

Progressive

$2,833

$14,008

State Farm

$2,869

$7,819

State Farm

$2,870

$8,996

GEICO

$2,898

$24,615

Farmers

$2,909

$16,088

Progressive

$2,918

$17,621

Auto-Owners Insurance Co

$3,027

$10,894

Auto-Owners Insurance Co

$3,045

$10,059

GEICO

$3,050

$22,594

State Farm

$3,054

$9,544

State Farm

$3,069

$10,900

Progressive

$3,069

$15,270

Progressive

$3,169

$19,132

Auto-Owners Insurance Co

$3,172

$14,180

Auto-Owners Insurance Co

$3,173

$12,772

State Farm

$3,340

$10,330

GEICO

$3,435

$19,686

State Farm

$3,834

$11,857

State Farm

$3,851

$13,541

Kemper

$5,059

$3,241

Kemper

$5,255

$3,554

Kemper

$5,886

$4,654

Kemper

$5,949

$4,190

Kemper

$5,978

$3,829

Kemper

$6,219

$3,984

Kemper

$6,432

$4,351

Kemper

$6,484

$5,015

Kemper

$6,565

$5,576

Kemper

$6,836

$4,624

Kemper

$7,019

$5,550

Kemper

$7,487

$7,556

Kemper

$7,822

$6,644

Kemper

$7,893

$9,037

Kemper

$8,340

$9,033

Kemper

$9,033

$10,854

Kemper

$9,354

$10,711

Kemper

$10,753

$12,920

Kemper

$11,164

$18,600

Kemper

$12,851

$22,550

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.

Cheapest Car Insurance in West Valley City for Military Drivers

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.

Company
Annual Premium
Monthly Premium

USAA

$400

$33

Farmers Union Insurance

$413

$34

USAA

$414

$34

Farmers Union Insurance

$433

$36

USAA

$497

$41

Nationwide

$502

$42

Nationwide

$525

$44

GEICO

$527

$44

Auto-Owners Insurance Co

$537

$45

Auto-Owners Insurance Co

$567

$47

Progressive

$568

$47

GEICO

$570

$47

GEICO

$584

$49

Progressive

$590

$49

Progressive

$651

$54

Iowa Farm Bureau

$657

$55

Farmers

$660

$55

Nationwide

$671

$56

Iowa Farm Bureau

$676

$56

Farmers Union Insurance

$680

$57

Farmers

$695

$58

State Farm

$697

$58

Iowa Farm Bureau

$709

$59

Auto-Owners Insurance Co

$734

$61

USAA

$739

$62

USAA

$742

$62

State Farm

$743

$62

American Family

$756

$63

American Family

$764

$64

Nationwide

$786

$66

Farmers

$800

$67

Allstate

$811

$68

Allstate

$813

$68

Nationwide

$851

$71

Farmers Union Insurance

$880

$73

State Farm

$900

$75

Allstate

$903

$75

Farmers Union Insurance

$904

$75

American Family

$927

$77

USAA

$935

$78

Auto-Owners Insurance Co

$941

$78

Auto-Owners Insurance Co

$952

$79

GEICO

$959

$80

Kemper

$994

$83

Kemper

$997

$83

GEICO

$1,003

$84

Nationwide

$1,062

$88

GEICO

$1,082

$90

American Family

$1,086

$91

American Family

$1,088

$91

Progressive

$1,114

$93

Farmers

$1,134

$95

Kemper

$1,138

$95

Progressive

$1,147

$96

Farmers

$1,151

$96

Iowa Farm Bureau

$1,156

$96

State Farm

$1,189

$99

Iowa Farm Bureau

$1,193

$99

Allstate

$1,243

$104

Iowa Farm Bureau

$1,272

$106

State Farm

$1,281

$107

Allstate

$1,305

$109

Auto-Owners Insurance Co

$1,315

$110

American Family

$1,358

$113

Allstate

$1,373

$114

Farmers

$1,389

$116

Farmers Union Insurance

$1,411

$118

Progressive

$1,411

$118

State Farm

$1,620

$135

Kemper

$2,022

$169

Kemper

$2,030

$169

Kemper

$2,376

$198

How to Compare Cheap West Valley City Car Insurance Quotes Online

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.

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Best Car Insurance in West Valley City: Summary

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.

Best Overall Car Insurance in West Valley City

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.

How was this MoneyGeek score calculated?

Auto-Owners Insurance

pros

Affordable premiums

Has most essential coverages

Has diminished value coverage and accident forgiveness

cons

Doesn’t have the best customer service

Received a low claims management rating

Doesn’t offer new car replacement coverage

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co. can help you recover financially after an accident. Through diminished value coverage, this insurer will compensate you for the decreased value of your damaged vehicle. The value of a car can decrease after an accident. Diminished value coverage reimburses you for the difference in your car’s worth before and after an accident.

You can also prevent your rates from increasing if you have Accident Forgiveness on your policy. You can also qualify for this add-on if you remain claim-free for 36 months. Although it comes with an extra fee, this coverage can help you save by preventing a premium increase after a driving offense.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Best Car Insurance in West Valley City for Customer Service

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.

How was this MoneyGeek score calculated?

Auto-Owners Insurance

pros

Good customer service

Offers most of the essential coverages

Has diminished value coverage and gap insurance

cons

Low claims satisfaction ratings

Doesn’t have new car replacement

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co. offers diminished value coverage and gap insurance to protect you from depreciation. An accident can take a toll on the value of your car. Diminished value coverage compensates you for the difference in the value of your vehicle before and after an accident, allowing you to limit your losses.

Even without an accident, the value of your car depreciates the moment it leaves the dealer's lot. As a result, the value of your vehicle will always be less than the value of your loan. In case of a covered accident, gap insurance pays the difference between the current value of your vehicle and the balance on your loan.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Best Cheap Car Insurance in West Valley City

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.

How was this MoneyGeek score calculated?

Auto-Owners Insurance

pros

An affordable option, at $537 per year

Discounts include bundling, safe driving and Life Multi-Policy

Has roadside assistance, rental car reimbursement and gap insurance

cons

No defensive driving and driver’s education discounts

Has a low score for claims management

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co. received good scores for affordability and coverage. It’s one of the cheapest companies, with an average premium of $537 per year. It also offers roadside assistance, rental car reimbursement and gap insurance. This company gives you adequate protection on the road without a huge price tag.

It offers several discounts, like bundling, good students, multiple-car and safe driving. You can save money if you have two insurance policies with Auto-Owners Insurance Co. and if you insure multiple cars with this company. If you're a student, you can get a discount by maintaining a B or better grade point average.

Auto-Owners Insurance Co. also provides a Life Multi-Policy Discount in addition to its regular bundling discount. You can save money if you have a qualified life insurance policy with your car insurance policy.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Average Cost of Car Insurance in West Valley City

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.