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.
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
- Company100/300/100per year
- 1.$655
- 2.$685
- 3.$992
- 4.$1,065
- 5.$1,080
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.

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
- CompanyState Minimumper year
- 1.$361
- 2.$397
- 3.$616
- 4.$648
- 5.$699
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
- 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 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
- CompanySpeeding Ticketper year
- 1.$830
- 2.$848
- 3.$1,151
- 4.$1,287
- 5.$1,377
Average Cost of Car Insurance in West Valley City
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.

The Best Car Insurance Companies in West Valley City
MoneyGeek scored the best car insurance companies in West Valley City based on average rates, claims ratings and user satisfaction. According to these factors, the top auto insurance companies are:
- GEICO: MoneyGeek score of 90 out of 100
- Farmers: MoneyGeek score of 66 out of 100
USAA received a perfect score of 100, making it the best car insurance company in West Valley City. However, it was excluded from our rankings because it’s only available for military members and their families.

Priced at approximately $685 per year, GEICO is the best auto insurance company in West Valley City. It earned high ratings for affordability, customer satisfaction and claims. The company offers mechanical breakdown insurance.
GEICO’s mechanical breakdown insurance is available to its policyholders in West Valley City whose car is less than 15 months old and with less than 15,000 miles. It offers better coverage than a typical extended warranty at a more affordable rate. Plus, the coverage includes all parts and systems.
The company also has accident forgiveness, which ensures your first at-fault accident won’t impact your insurance rates. You can also get roadside assistance to cover the cost of flat tires, towing and more.
Read MoneyGeek's GEICO auto Insurance Review
Farmers received high scores on claims and customer satisfaction, but it scored lower on affordability. The company offers full coverage policies at an average cost of $1,092 per year in West Valley City. It also has a unique original equipment manufacturer (OEM) coverage.
Farmers policyholders in West Valley City can customize their auto insurance with add-on coverages that are rarely offered by other companies. Among them is original equipment manufacturer coverage, which pays for the cost of using factory-original parts in covered repairs in vehicles up to 10 years old.
Additionally, custom parts coverage covers the cost of repairing or replacing aftermarket equipment, while glass deductible modification lets you lower your comprehensive deductible to $100 if the loss is restricted to glass.
Read MoneyGeek's Farmers auto Insurance Review






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 CodeState 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.
About Mark Fitzpatrick
