Cheap Car Insurance in West Jordan, UT

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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Looking for cheap auto insurance in West Jordan, UT? From, you’ll find the best insurance premiums within your town. To receive free car insurance quotes from the very best providers now, provide your zip code in the quote box in this posting.

Salt Lake City has many well-populated suburbs nearby, and West Jordan is one of them. It was named after the Jordan River, which makes up the western border of the town. Its mixed economy is home to one of the largest copper mines in the world, several major retail centers, and a thriving finance industry.

  • Fun fact: when did it get so crowded in here? Because West Jordan is #10 on the list of “Top 100 fastest growing cities from 2000 to 2008 (pop. 50,000+)”. Read up on West Jordan by clicking here.

Auto Insurance Coverage Requirements in Utah

Driving legally in West Jordan requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/65,000 100,000/300,000
Property Damage Liability 15,000 50,000
Uninsured Motorist Bodily Injury Not required 10,000/20,000
Personal Injury Protection Not required Utah basic plan/ $3,000 medical
Collision Not required 500 deductible
Comprehensive Not required 1000 deductible

Utah's minimum insurance requirements are a little bit higher than most other states, especially when it comes to Bodily Injury Liability. However, unlike some other areas, Liability is the only coverage you must purchase. Unless you're worried about theft, severe weather, or uninsured motorists, that is. Then you should probably buy those additional coverages, too.

Utah auto insurance doesn't cost the average driver very much - there are many motorists in Utah right now who are paying around $99 each month in premiums. But living in West Jordan can help you lower that even further - all the way down to $45/mo* or less!

Average Monthly auto Insurance Premiums Legend: West Jordan Unigard Allied Nationwide State Farm Allstate 5 10 15 20 25 30 35 40 45 50 $35 $38 $46 $54 $54


Unigard and Allied are trying to drum up business by out-bidding their competitors in West Jordan. But even though their prices seem enticing, don't make the big switch just yet. First, take a good, long look at the company and find out if their business practices and their customer service reputation are what you are looking for in an insurance provider.

Companies that provide you with auto insurance plans contemplate different elements when figuring out insurance quotes, like driving experience, zip code, type of vehicle owned, miles driven each year, and business use of the vehicle. Also take into account that premiums differ from one company to another. To make sure you are still receiving the cheapest price, examine cheap West Jordan auto insurance price quotes on the web.

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Major Car Insurance Factors in West Jordan

There are numerous ways your car insurance rate might be determined. But not all of it is out of your control; there are things you can do to be able to control what discounts you are entitled to acquire. Listed here are a few of these factors in greater detail:

Your Zip Code

The place you store your vehicle each night will probably have a major influence on your car insurance rate. Typically, auto insurance cost less in non-urban areas simply because a lower number of automobiles indicates a reduced chance that you’ll get into a wreck with another automobile. The population of West Jordan is 110,077 and the typical family income is $66,264.

Auto Insurance by Zip Code Legend: West Jordan Salt Lake City West Valley City Sandy Provo Unigard Allied Nationwide State Farm Allstate 5 10 15 20 25 30 35 40 45 50 55 $35 $43 $43 $43 $43 $38 $39 $42 $38 $35 $46 $47 $50 $46 $45 $54 $46 $54 $51 $48 $54 $54 $55 $52 $50


Automotive Accidents

West Jordan has a very low rate of deadly accidents, especially for such a large population. This is good news for drivers like you. You see, when serious accidents are uncommon in a given area, local providers will automatically lower their rates - you're probably already enjoying some savings because of this phenomenon.

Fatal Accidents in West Jordan, UT Legend: West Jordan Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 2 4 2 4 2


Auto Thefts in West Jordan

Dwelling in a large metropolis (Particularly any having a high crime rate) raises your risk of being a target of auto thieves. Should your overall locality have higher statistics of claims for theft, you are likely to pay more for car insurance to counterbalance these prices. The actual complete number of thieved automobiles in West Jordan rose to 324 as recently as 2007, really hasn't changed much since. If you are worried about your vehicle getting stolen, you should know that adding Comprehensive coverage to your policy is the only way to make sure you are protected.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Unigard Allied Nationwide State Farm Allstate 10 20 30 40 50 60 70 80 90 $35 $80 $38 $57 $46 $83 $54 $69 $54 $96


Your Credit Score

In 47 out of 50 states, your insurance company is permitted by law to charge different rates between motorists based on their credit score. As a matter of fact, it's one of the most dominating factors companies use. Thankfully for Utah drivers, most companies don't charge the exorbitantly higher rates for poor credit drivers that other states do (with the exception of State Farm, as you can see below).

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Unigard Allied Nationwide State Farm Allstate 15 30 45 60 75 90 105 120 $40 $52 $41 $57 $50 $67 $54 $130 $52 $70


Your Age

If you are a parent trying to find affordable insurance for your child, we have some bad news. Even if you encourage them to get good grades and take driving classes, your young driver is still going to be paying some pretty hefty premiums. But with time and experience, their rates will eventually go down.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Unigard Allied Nationwide State Farm Allstate 25 50 75 100 125 150 175 200 $35 $136 $38 $162 $46 $176 $54 $220 $54 $167


Your Driving Record

Most insurance companies operate on the principal that once you have violations on your driving record, more are likely to follow (along with you filing an expensive claim). That's why your rates go up with each violation, even for minor speeding tickets. But if you are a relatively safe driver with only a minor violation or two in the past few years, talk to your insurance agent about Accident Forgiveness discounts.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Unigard Allied Nationwide State Farm Allstate 10 20 30 40 50 60 70 80 90 100 $35 $52 $68 $62 $38 $50 $85 $62 $46 $59 $102 $75 $54 $59 $59 $65 $54 $57 $67 $72


Your Vehicle

If your vehicle is expensive, then your monthly insurance premiums are going to be expensive, too. But, in the long run, they probably won't be as expensive as having to buy a brand new vehicle, especially if we're still talking about luxury vehicles.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Unigard Allied Nationwide State Farm Allstate 15 30 45 60 75 90 105 120 $35 $108 $38 $60 $46 $90 $54 $123 $54 $127


Minor Car Insurance Factors in West Jordan

Take a look at these minor factors below for better insight on how your monthly premium is calculated:

Your Marital Status

Anyone with more than one insurance policy (auto, RV, motorcycle, and more) can bundle their policies together for some pretty sweet savings. But married couples have the extra advantage. This is because, for the most part, they have two of almost everything to bundle.

Your Gender

Are women the better drivers of both genders? What about men? Well, no matter which insurance company you ask, you'll get a different answer almost every time. Some companies realize that gender is such an unimportant factor when it comes to accident risk that they don't even bother including it in the overall premium calculations anymore.

Your Driving Distance to Work

Commuters may have a hard time in West Jordan. The average driving time spans from 19 to 24 minutes usually, although spending up to 30 or 35 minutes getting from one place to another is unfortunately common. Nearly 80% of residents will drive alone with their own means of transportation, which means you are probably in for some traffic congestion. Around 6-15% will try to carpool.

Do you have your vehicle insured as a business vehicle? If so, then you might be paying anywhere from 11-13% more for your premiums each month. If possible, consider insuring it as a personal vehicle instead, and you'll save that much more in monthly premiums.

Your Coverage and Deductibles

If you’re thinking about raising your deductible in order to pay less in premiums each month, that isn't a bad plan. However, it's going to take some prep work on your part first. Call your agent, and get a feel for how much your new deductible will be once you raise it for the desired monthly savings on your premium payments. Then, put that exact dollar amount into a savings account. That way, if the worst happens, being able to pay your deductible won't be a huge obstacle towards getting back on the road.

Education in West Jordan, UT

About 28% of the West Jordan populace has managed to earn a high school diploma (or an equivalent thereof), while more than 21% have gone on to experience at least one year of college. The more college you have, of course, the more money you will save on your auto insurance!

Locals of West Jordan have a couple of different choices when it comes to higher education within their city limits. Broadview University (once known as the Utah Career College) is a private institution helping students earn a master’s, bachelor’s, or associate’s degree in several fields, including business, health science, and the entertainment arts. West Jordan is also home to a Satellite Campus of the Salt Lake Community College network and specializes in university preparation and technical/vocational degrees.

You should not let an undesirable car insurance company persuade you into choosing a car insurance policy that’s not good for you. Yes, the actual quantity of data required in order to determine your own risk profile may be overwhelming, however comparison web sites similar to this may help make things less complicated. Simply just provide a few factors below, and we can take it from there.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Utah Insurance Department

Utah Department of Financial Institutions

Department of Highway Safety and Motor Vehicles

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