Compare West Valley City, UT Car Insurance Rates (2021)

The cheapest West Valley City, UT car insurance is from GEICO, although rates will vary by driver. Auto insurance in West Valley City must meet the state minimums of 25/65/15 in liability coverage, $3,000 in PIP, and 25/65 in uninsured/underinsured motorist coverage. Compare West Valley City, UT auto insurance rates online to find your best deal.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Founder & CFP®

UPDATED: Mar 26, 2021

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Here's what you need to know...

  • GEICO offers the cheapest average car insurance rates in West Valley City, UT
  • Auto insurance rates in West Valley City are above average
  • Drivers may opt-out of uninsured/underinsured motorist coverage if they choose

West Valley City, UT car insurance is more expensive than both the state and national averages. Although, Utah car insurance average rates are actually cheaper than the national average.

The good news is that you can still find affordable West Valley City, UT car insurance. Shop around and compare quotes from different companies to see who has the cheap car insurance that fits your needs.

Enter your ZIP code now to compare West Valley City, UT car insurance rates from multiple companies for free.

What is the cheapest car insurance company in West Valley City, UT?

Although USAA actually has the cheapest car insurance in West Valley City, it only offers coverage to the military, veterans, and their families. GEICO offers the cheapest car insurance in the city to all drivers.

The top West Valley City, UT car insurance companies listed from least to most expensive are:

  • USAA – $3,213.30
  • GEICO – $3,334.31
  • Nationwide – $3,535.05
  • Farmers – $4,532.57
  • Allstate – $4,533.35
  • American Family – $4,536.24
  • Liberty Mutual – $4,974.05
  • Progressive – $5,257.80
  • State Farm – $5,809.57

Your car insurance rates are affected by many different factors, such as your age, gender, credit history, and driving record.

Where you live and the size of your city affects your rates also. Larger cities with more crime and traffic will pay more for car insurance. For example, Salt Lake City car insurance is more expensive than coverage in West Valley City.

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What car insurance coverage is required in West Valley City, UT?

Like most states, Utah requires drivers to carry at least a minimum amount of car insurance to drive legally. West Valley City drivers must have:

  • $25,000 per person and $65,000 per incident for bodily injury liability
  • $15,000 per incident for property damage
  • $3,000 in personal injury protection (PIP) coverage
  • $25,000 per person and $65,000 per incident for uninsured/underinsured motorist coverage

You can see that this is not a lot of coverage, especially in a serious accident. Consider increasing your limits and adding additional coverages so that any damages to your vehicle and bodily injuries are covered.

Collision insurance will cover any damages to your car if you cause an accident.

Comprehensive covers damages to your car that aren’t the result of an accident, such as theft, vandalism, and acts of nature. This is especially helpful considering West Valley City, UT weather like rain and snow can cause accidents.

It’s also important to note that drivers may opt-out of uninsured/underinsured motorist coverage if they choose.

What affects car insurance rates in West Valley City, UT?

Traffic can also affect your auto insurance rates because more cars on the road equal a higher chance of an accident.

Although INRIX doesn’t have data for West Valley City, it does rank nearby Salt Lake City, UT as the 246th-most congested city in the U.S.

City-Data reports that most drivers in West Valley City commute around 25 minutes. A considerable number of commuters choose to carpool, keeping traffic volume lower.

Auto theft can also raise your car insurance rates. According to the FBI, there were 1,146 motor vehicle thefts in West Valley City in one year.

West Valley City, UT Car Insurance: The Bottom Line

Although West Valley City car insurance is more expensive than average, you can still find a good deal. Before you buy West Valley City, UT car insurance, shop around and compare rates to see who has the cheapest coverage.

Enter your ZIP code now to compare West Valley City, UT car insurance quotes from multiple companies near you.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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