Cheapest and Best Car Insurance in West Jordan, UT (2024)

In West Jordan, Utah, the best car insurance may vary depending on coverage and driver specifics. Nationwide offers the most affordable full coverage insurance for adult and teen drivers, while Farmers Union Insurance provides the cheapest minimum coverage insurance. Auto-Owners Insurance Co has the highest customer service rating and is identified as the best overall, representing the best value between price and service. Selecting the best insurance depends on individual needs and preferences.

MoneyGeek found that Farmers Union Insurance is the cheapest car insurance provider in West Jordan, providing the minimum coverage at the most affordable rate.

• Farmers Union Insurance: $423 per year
• Nationwide: $499 per year

State Farm has the most expensive minimum coverage policy in West Jordan, with an annual premium of $1,327. This price point highlights the difference of over $900 compared to Farmers Union Insurance, underlining the importance of comparing rates to ensure you are getting the best deal on your car insurance.

Across Utah, state law dictates the minimum car insurance coverage required for drivers, and here’s what’s mandated:

• $25,000 bodily injury per person
• $65,000 bodily injury per accident
• $15,000 property damage liability per accident
• $3,000 personal injury protection per person

If you have the minimum coverage insurance and are at fault in an accident that injures another driver, your insurer would cover up to $25,000 for that person's injuries. If their medical expenses exceed that amount, the additional costs would be your responsibility. Similarly, if multiple people are injured, your insurer would only cover up to $65,000 for all injuries combined.

MoneyGeek found that Nationwide offers the cheapest full coverage car insurance in West Jordan.

• Nationwide: $808 per year
• Farmers Union Insurance: $863 per year

State Farm has the priciest policy at $2,446 annually, which is $1,638 more than Nationwide's offer, so compare car insurance providers to get the best deal. Full coverage policies cost more than minimum coverage because they provide comprehensive protection against a variety of incidents.

When opting for a full coverage policy in West Jordan, the expanded liability limits offer enhanced protection

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage liability per accident

This type of coverage is also referred to as a 100/300/100 policy. It also includes additional coverages beyond liability limits:

• Collision Insurance: This portion provides financial support for repairs to your car in the event of a collision, whether it be with another car or an object like a fence or light post. It also covers rollover accidents and pothole damage.
• Comprehensive Insurance: This component underwrites the cost of damage to your vehicle due to non-collision incidents, such as theft, vandalism, natural disasters or being struck by an animal.

Get full coverage insurance if you own a new vehicle to protect your financial assets from unforeseen incidents. With older vehicles, the balance between cost and benefit must be weighed as additional premiums may not offer proportionate value. Determine how much car insurance you need, considering that higher coverage comes at a higher cost while lower costs could leave you inadequately insured.

MoneyGeek found that Nationwide is the most affordable option for drivers in West Jordan seeking coverage after a speeding ticket, while Progressive offers the lowest rates post-DUI. The companies that offer the lowest rates after specific driving offenses vary.

• Speeding Ticket: Nationwide ($953 per year)
• At-Fault Accident: American Family ($1,125 per year)
• DUI: Progressive ($1,287 per year)

The cost disparity between the cheapest company after a speeding ticket and the cheapest after a DUI is $334, underscoring how the gravity of an offense can alter car insurance rates.

In West Jordan, as in many cities, the severity of a driving offense significantly influences auto insurance rates. For example, drivers with a speeding ticket may see their annual premiums average around $2,471, while those with a DUI could face an average of $3,323. Given these rates, drivers with offenses must diligently compare insurance quotes to ensure they secure the most financially advantageous policy.

MoneyGeek determined that Nationwide offers the cheapest car insurance for teens looking for full coverage.

• Nationwide: $1,442 per year for female teens; $1,617 per year for male teens
• Allstate: $2,363 per year for female teens; $2,484 per year for male teens

These rates illustrate the cost of a policy that covers a family comprising two parents with a teen driver. Kemper holds the title for the most expensive policy in West Jordan, with a significant difference of $9,314 annually for female teen drivers when compared to Nationwide. This stark contrast shows the importance of comparing quotes, especially with high-risk teenage drivers on your policy.

In West Jordan, and across many cities, young drivers face higher car insurance rates when purchasing an individual policy. The average individual teen premium stands at $8,453, in contrast to an average of just $3,943 if added to a family policy. This substantial difference is largely because insurers view teens as high-risk due to their inexperience in driving. Moreover, high rates and the associated risks often make it challenging for teens to secure approval for an individual policy, thereby making a family policy not only more economical but also more accessible.

MoneyGeek found that Nationwide is the cheapest car insurance for military personnel looking for full coverage in West Jordan.

• Nationwide: $808 per year
• Farmers Union Insurance: $863 per year

USAA ranks third with an annual premium of $977. Although not the cheapest, USAA is known for its exceptional service that specifically caters to the needs of active duty military members, making it a valuable consideration for drivers who qualify for its coverage.

Finding the best car insurance rates in West Jordan can lead to significant savings, but the process often requires extensive time investment, potentially an hour to examine rates from just three companies. However, MoneyGeek's car insurance calculator streamlines this process. By simply entering essential information such as your age, driving history, credit score and desired coverage level, you can receive a tailored rate estimate instantly. This efficient tool focuses on the critical elements that influence car insurance costs in West Jordan, facilitating swift and informed decision-making.

Finding the right auto insurance for you depends on weighing factors such as service quality, cost and coverage options. MoneyGeek uses distinct scoring criteria to evaluate West Jordan's best car insurance providers for different priorities:

• Best overall: Auto-Owners Insurance Co (MoneyGeek score of 80 out of 100)
• Best for service: Auto-Owners Insurance Co (MoneyGeek score of 78 out of 100)
• Best cheap: Auto-Owners Insurance Co (MoneyGeek score of 81 out of 100)

With Auto-Owners Insurance Co excelling in all categories, it stands out in West Jordan for offering the best balance of overall value, top-notch service and affordability without significantly compromising the service experience. Customers seeking a well-rounded option can consider this company for comprehensive benefits.

MoneyGeek found that Auto-Owners Insurance Co is the leading provider of best car insurance in West Jordan, ensuring its policyholders receive excellent service and comprehensive coverage.

• Auto-Owners Insurance Co: MoneyGeek score of 80 out of 100 ($1,107 per year)
• American Family: MoneyGeek score of 78 out of 100 ($1,125 per year)

Auto-Owners Insurance Co stands out due to its high satisfaction and affordability scores, which are the predominant contributors to its MoneyGeek score, underlining the company's dedication to customer service and economic value. This score reflects the company's performance for a full coverage policy, highlighting its commitment to offering extensive coverage options and benefits for drivers in West Jordan.

MoneyGeek found that Auto-Owners Insurance Co is the best option in West Jordan for car insurance based strictly on customer service metrics. Its outstanding record in overall satisfaction, claims handling and the breadth of coverages provided place it at the pinnacle, setting a benchmark for other insurers without considering rates.

• Auto-Owners Insurance Co: MoneyGeek score of 78 out of 100 ($1,107 per year)
• American Family: MoneyGeek score of 76 out of 100 ($1,125 per year)

Auto-Owners Insurance Co distinguishes itself primarily through its highest scores in claims handling and an exceptional stability score which reflects a strong financial backbone. Such attributes suggest a reliable and swift resolution of customer claims, ensuring peace of mind and satisfaction for policyholders.

MoneyGeek found that Auto-Owners Insurance Co is the best option in West Jordan for drivers looking for affordable car insurance without compromising on service quality. While affordability is a key consideration, the company also excels in claims handling and general customer satisfaction.

• Auto-Owners Insurance Co: MoneyGeek score of 81 out of 100 ($641 per year)
• American Family: MoneyGeek score of 74 out of 100 ($777 per year)

Auto-Owners Insurance Co emerges as the top provider in this category due to the harmonious balance it maintains between cost efficiency and reliable service. A significant portion of its total score stems from its highest score in affordability, making it a leading contender for minimum coverage policies. This illustrates that while it offers competitive pricing, its dedication to customer satisfaction and claims handling is uncompromised, ensuring that customers receive the best value for their investment.

In West Jordan, the average cost of car insurance per year is listed at $1,365. When compared to the average cost of car insurance in the state of Utah, which stands at $1,311, residents of West Jordan pay approximately $54 more annually. The state average is markedly lower than the national average cost of car insurance, which is $1,781, indicating that Utah residents pay $470 less on average than the national figure.

Car insurance rates are determined by a variety of factors, and while location is just one of them, it can significantly influence premiums. Insurers consider local accident rates, theft statistics and the cost of living in an area when calculating insurance costs. According to MoneyGeek's analysis of Utah cities, West Valley City bears the distinction of having the most expensive average car insurance premium at $1,459, while Provo enjoys the cheapest at $1,291, underscoring a $168 difference that highlights the impact of location on car insurance rates. In less populated non-city areas with lower traffic density, rates can be even more economical.