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

In West Valley City, Utah, Farmers Union Insurance offers the cheapest minimum coverage, while Nationwide is the most affordable for full coverage and for families with teens. Auto-Owners Insurance Co excels in customer service and is also the best overall for combining price and service quality. Choosing the best insurer depends on your individual preferences and coverage needs.

MoneyGeek found that Farmers Union Insurance is the most affordable option for minimum coverage car insurance in West Valley City. Getting the cheapest car insurance can lead to significant savings.

• Farmers Union Insurance: $442 per year
• Nationwide: $525 per year

State Farm charges the most expensive annual premium for minimum coverage policies at $1,589 per year. The difference of $1,147 between the cheapest and priciest policies shows the importance of comparing car insurance rates to ensure you're getting the best deal.

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 policy would cover up to $25,000 for the medical expenses. If the cost surpasses that amount, you would be financially responsible for the difference. Similarly, if multiple people are injured, your insurance would only cover up to $65,000 for all injuries combined.

MoneyGeek found that Nationwide is the cheapest full coverage car insurance in West Valley City.

• Nationwide: $851 per year
• Farmers Union Insurance: $922 per year

State Farm offers the most expensive full coverage policy at $2,864 per year. The significant gap of $2,013 between the most affordable and most expensive options highlights the importance of shopping around for full coverage insurance, which tends to cost more than minimum coverage insurance due to the comprehensive protection it offers against a range of incidents.

The upgraded West Valley City policy offered by MoneyGeek provides enhanced protection by raising liability coverage limits to:

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

Simplified, this plan is referred to as the 100/300/100 policy. With the transition to full coverage insurance, policyholders gain the inclusion of comprehensive and collision coverage, which are essential for well-rounded protection.

• Collision Insurance: This component is essential as it covers repair costs for your vehicle in the event of a collision, whether it be with another vehicle or a stationary object. It also covers rollover accidents and pothole damage.
• Comprehensive Insurance: This coverage is a catch-all for the unpredictable, reimbursing you for damage to your vehicle caused by incidents outside of collisions, such as theft or natural disasters.

For drivers with new vehicles, investing in full coverage insurance is a strategic choice to protect your assets from unexpected costs. Older vehicle owners may find the additional expense, often amounting to hundreds of dollars, outweigh the benefits. When determining how much car insurance you need, consider the balance between higher coverage costs and the risk of being underinsured.

MoneyGeek found that certain insurance companies in West Valley City offer the most competitive rates for drivers with poor driving records seeking full coverage policies. The cheapest car insurance policies for drivers with violations vary on the type of driving offense:

• Speeding Ticket: Nationwide ($1,006 per year)
• At-Fault Accident: American Family ($1,134 per year)
• DUI: American Family ($1,392 per year)

The most costly rates for these incidents are often significantly higher. For example, State Farm charges $3,473 for an at-fault accident and $3,169 after a speeding ticket.

The severity of a driving offense significantly affects insurance rates, caused by the increased risk and potential cost attributed by insurers. In West Valley City, the price difference between the cheapest premium after a speeding ticket and the cheapest option following a DUI is $386, illustrating how such violations can impact car insurance rates.

MoneyGeek found that Nationwide offers the cheapest full coverage car insurance for male and female teens in West Valley City. This is crucial information for families seeking the cheapest car insurance for teens.

• Nationwide: $1,514 per year for female teens; $1,698 per year for male teens
• State Farm: $3,069 per year for female teens; $3,851 per year for male teens

These rates represent the combined cost for a policy covering two parents and a teen driver. With the most expensive teen family policy offered by Kemper at $11,164 for female teens and $12,851 for male teens, the difference can be as high as $9,650 per year. This considerable difference highlights the importance of comparing rates, especially when adding a higher-risk teen driver to your policy.

MoneyGeek found that Nationwide offers the cheapest full coverage car insurance for military personnel in West Valley City.

• Nationwide: $851 per year
• Farmers Union Insurance: $922 per year

USAA only ranks as the third most affordable at $1,019, but it is known for providing services that are specifically tailored to active-duty military members, making it a great option for eligible drivers.

Saving on car insurance in West Valley City can be significant yet time-consuming, particularly when comparing rates from various companies — a process that may take more than an hour for just a few quotes. However, MoneyGeek's car insurance calculator streamlines this task by focusing on key factors that affect your premium. Simply enter details such as age, driving history, credit score and desired coverage level to receive an instant rate estimate, making the search efficient and effective.

Choosing the right auto insurance involves balancing your needs and preferences for service quality, cost and coverage. MoneyGeek tailored a scoring system to identify West Valley City's finest insurers specific to each category:

• 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 82 out of 100)

With Auto-Owners Insurance Co coming out on top for all categories, it is evidently the best choice for various consumers in West Valley City for overall value, top-tier service and budget-friendliness.

MoneyGeek found that Auto-Owners Insurance Co is the best car insurance option in West Valley City. With a dedication to high-quality offerings and customer satisfaction, it outshines competitors when it comes to insurance policies.

• Auto-Owners Insurance Co: MoneyGeek score of 80 out of 100 ($1,180 per year)
• American Family: MoneyGeek score of 79 out of 100 ($1,134 per year)

Auto-Owners Insurance Co stands out not only for its high overall MoneyGeek score but particularly because it has the highest claims score along with a strong stability score.

MoneyGeek found that Auto-Owners Insurance Co is the best option in West Valley City for top-notch customer service. This assessment stems from a comprehensive analysis prioritizing overall customer satisfaction, claims handling experience and the range of coverages offered to policyholders — all irrespective of the insurance rates.

• Auto-Owners Insurance Co: MoneyGeek score of 78 out of 100 ($1,180 per year)
• American Family: MoneyGeek score of 76 out of 100 ($1,134 per year)

Auto-Owners Insurance Co sets itself apart with a spotless MoneyGeek score for claims handling. The combination of excellent customer feedback and claims responsiveness solidifies its position as a leading car insurance provider in the region.

MoneyGeek found that Auto-Owners Insurance Co is the top pick for drivers seeking the best cheap car insurance in West Valley City. This finding emphasizes that while affordability is a significant factor, the MoneyGeek score also takes into account claims handling and customer satisfaction.

• Auto-Owners Insurance Co: MoneyGeek score of 82 out of 100 ($692 per year)
• American Family: MoneyGeek score of 77 out of 100 ($778 per year)

Auto-Owners Insurance Co stands out not only for its competitive annual premium but also for its excellent claim handling and high customer satisfaction, which are integral aspects of its high MoneyGeek score for a minimum coverage policy.

In West Valley City, the average car insurance cost is $1,459. When contrasted with the average car insurance cost in Utah, which is $1,311, drivers in West Valley City pay more for their automotive insurance coverage. This also indicates that the state average is $470 lower than the national average car insurance cost of $1,781.

Car insurance premiums are determined by a lot of factors, with location being a significant one. Insurers consider regional risk factors, such as accident rates and vehicle theft statistics, which can vary from one area to another. For instance, West Valley City holds the distinction of being the most expensive city for car insurance, with a premium of $1,459 which is $148 higher compared to the state average. Provo is the cheapest in Utah, with a city premium of $1,291, which is $20 lower than the state average. These figures highlight how varying regional factors impact insurance costs, and in non-urban areas with less traffic, rates could be even more favorable.