Cheap Car Insurance in West Valley City, 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: Sep 13, 2021

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In the market for cheap auto insurance in West Valley City, UT? From, you will discover the lowest priced insurance rates in your city. In order to obtain free car insurance quotes available from the top rated providers now, key your local zip code in the quote box here.

West Valley City is the second largest city in the state of Utah, and also a suburb of Salt Lake City. The first century of West Valley was marked with a significant amount of agricultural activity. The land area which is now known as the City of West Valley was actually four separate communities which merged in 1980 when the city finally incorporated itself. In recent years, city officials have announced a plan to construct a downtown area for the city while it continues to grow.

  • Fun fact: grab the SPF, because West Valley City is #7 on the list of “Top 101 counties with the highest percentage of residents that had a sunburn in the past 12 months”. Read up on West Valley City by clicking here.

Auto Insurance Coverage Requirements in Utah

Driving legally in West Valley City 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

Keep in mind that these state minimums rarely ever provide sufficient coverage when it comes to your average driver. This is because most motorists are driving relatively younger vehicles, are still making loan payments, or may even be leasing their vehicle. And in most of those cases, you’re going to need a comprehensive policy in order to protect your investment.

There are some drivers riding around in Utah right now with payments as high as $99 per month, which is the reported state average. However, there are deals going on right now in West Valley city which make it possible to get good coverage for as low as $49/mo* – and we can prove it to you if you let us help you compare rates today.

Average Monthly Auto Insurance PremiumsLegend: West Valley City Unigard Allied Nationwide State Farm Allstate 510152025303540455055$43$42$50$54$55


Unigard and Allied are all on the cheaper side of the automotive insurance spectrum right now, if you happen to be the average driver. However, a poor credit score or several DUIs on your record might make it impossible to get low rates from any company, regardless of who you ask.

Those who offer auto insurance plans contemplate many factors while calculating insurance rates, particularly driving experience, where you live, your credit history, miles driven each year, and current insurance coverage and limits. Furthermore, premiums differ from carrier to carrier. To make sure you are still getting the best price, look at cheap Utah auto insurance quotes online.

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Major Car Insurance Factors in West Valley City

There are lots of ways in which your car insurance rate might be estimated. But not all of it is out of your control; there are steps you can take to be able to impact which discounts you are eligible to acquire. Listed below are a few of these components in greater detail:

Your Zip Code

In many cases, the least expensive auto insurance is generally present in towns with a lesser population density. Because there are a lesser number of vehicles traveling the road, you will find a lesser number of possibilities to get involved in a significant auto accident with another motorist. The populace of West Valley City is 133,579 plus the average family earnings are $51,027.

Auto Insurance by Zip CodeLegend: West Jordan Salt Lake City West Valley City Sandy Provo Unigard Allied Nationwide State Farm Allstate 510152025303540455055$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

For having such a large population, accident rates in West Valley City are thankfully quite low, especially when compared to other Utah cities of a similar size. And this is also great news because it makes it very likely that your insurance carrier is automatically lowering premiums in your area.

Fatal Accidents in West Valley City, UTLegend: West Valley City Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 123456562562


Auto Thefts in West Valley City

Obtaining low-cost auto insurance can be tough should you be vulnerable to auto theft. Certain trendy vehicle models usually are appealing to thieves, in addition to cars or trucks that are parked often in huge metropolitan areas. The full quantity of stolen motor vehicles in West Valley City was 613 in 2010, with an average of 5 cars stolen per 1,000 people. But just because auto theft is unlikely in your town doesn’t mean you shouldn’t at least think about adding Comprehensive coverage to your policy.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Unigard Allied Nationwide State Farm Allstate 102030405060708090100110$43$91$42$63$50$90$54$95$55$116


Your Credit Score

If you’re a driver with poor credit in West Valley City, most providers will significantly increase the cost of your monthly premium compared to other drivers. Some companies may even come close to doubling or tripling it.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Unigard Allied Nationwide State Farm Allstate 102030405060708090100110120130$36$57$39$58$44$67$37$130$50$75


Your Age

If you’re trying to find cheap insurance for a student or a teenage driver, you’re going to have a difficult time. Yes, Good Student and Driver’s Ed discounts will help, but at the end of the day they will still have to pay much more expensive rates than adults or seniors.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Unigard Allied Nationwide State Farm Allstate 255075100125150175200$43$175$42$179$50$191$54$220$55$154


Your Driving Record

Serious driving violations can send your premiums through the roof, or may even get your coverage dropped completely. But for the lesser violation(s) on your record, you might want to ask about an Accident Forgiveness discount. This lowers your rate by making sure at least one of those minor violations aren’t calculated in the overall cost of your premium.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Unigard Allied Nationwide State Farm Allstate 102030405060708090100$43$56$74$67$42$50$86$63$50$59$101$75$54$59$59$65$55$60$70$74


Your Vehicle

With car insurance, you’re essentially wasting money and leaving yourself vulnerable to economic hardship if you don’t purchase enough coverage for your vehicle. For older, cheaper vehicles, sometimes the state minimum is enough. But for a luxury vehicle, you’re going to want to purchase multiple types of coverage, and in very high amounts, just in case the worst happens.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Unigard Allied Nationwide State Farm Allstate 153045607590105120$43$109$42$64$50$96$54$123$55$128


Minor Car Insurance Factors in West Valley City

Also, don’t forget to consider these factors:

Your Marital Status

Have you and your spouse started bundling your policies together? Well, you should! It’s a great way to reduce your household bills. And single people can bundle too, especially if they have renter’s or motorcycle insurance with the same company.

Your Gender

In truth, there’s really no significant difference between how women and men drive. And because of this, most companies don’t even charge different rates based on gender anymore. Some still do, but the overcharged gender varies from one company to the other.

Your Driving Distance to Work

Commute times in West Valley City aren’t bad, and most drivers can expect to spend anywhere from 15 to 20 minutes driving to or from work each day. About 76% of those who drive do so alone with their own motor vehicle, while around 19% will likely be carpooling.

Did you know that slashing your annual mileage by 5,000 miles each year will only get you a 4-6% discount on your premium? That means you’ll have to give up driving at least 14 miles each day. Most people are only on the road when they have to be to start with, so 14 miles a day is a pretty big sacrifice for such a small discount.

Your Coverage and Deductibles

Raising your deductible is a great way to lower your monthly premium. But make sure you protect yourself financially by setting aside at least the cost of that deductible into a savings account, and don’t touch it unless it’s an absolute emergency. After all, how devastating would it be if your car was stuck in the shop, and you didn’t have the money to file a claim and get it repaired?

Education in West Valley City, UT

While just over 31% of West Valley City residents have finished their high school education, another 21% of the population has not yet made it through all four years of their secondary schooling. For many, this lack of higher education may cost them more than a better job opportunity – it could also yield them a higher rate on their car insurance policy.

While many West Valley City residents may prefer to commute to nearby Salt Lake City for their higher education, there are a few opportunities within the city limits worth considering. Everest College helps prepare students for rewarding careers in the medical, business, and technological industries. Also, aspiring aestheticians can always enroll at the Premier Hair Academy.

You shouldn’t allow an unsatisfactory car insurance agency persuade you into purchasing an auto insurance policy that is not right for you. Yes, the sum of related information needed in order to calculate your individual risk profile might be mind-boggling, but comparison web sites similar to this may also help make things a lot easier. Simply just enter in a couple of specifics below, and then let us do the rest.

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

Begin comparing rates today. It will only take a couple of minutes, and you could save a lot of money!

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