Cheapest Car Insurance Quotes in West Valley City

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West Valley City Car Insurance

^$ 41

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in West Valley City

The car insurance rate in West Valley City is $1171 for a six-month policy, which is $219 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $526, making it a popular choice for budget-conscious drivers. Rates in West Valley City can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in West Valley City

$1171

Avg. Car Insurance in Utah

$952

National Average

$1140

Cheapest Car Insurance Companies in West Valley City

1st place: Farmers Union Insurance

At $526 for a six month policy, Farmers Union Insurance offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $562 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $723 for six months, making it the third cheapest auto insurance company in West Valley City.

West Valley City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Valley City, UT is Farmers Union Insurance, offering policies at just $526 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $562.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2403 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Valley City drivers find the best deals.

Cheap Car Insurance Companies in West Valley City, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$526	$90
Auto-Owners Insurance Co	$562	$93
Nationwide	$723	$122
USAA	$790	$133
Progressive	$892	$150
American Family	$920	$155
Auto-Owners	$1103	$186
Farm Bureau	$1228	$204
Allstate	$1673	$282
State Farm	$2068	$348
Farmers	$2403	$408

Key Takeaways

Way's key takeaways about car insurance in West Valley City

The auto insurance costs in West Valley City fall around $526 for six months.
The cheapest auto insurance company in West Valley City is Farmers Union Insurance.
Teen drivers pay the highest rate in West Valley City at $1533 per month.

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Cheapest Minimum Liability Car Insurance in West Valley City

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in West Valley City are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in West Valley City. Their Average 6 Month Premium is $241. Farmers is the most expensive at $1213 for the same period.

Cheapest Liability Coverage in West Valley City, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$241	$41
USAA	$285	$48
Auto-Owners Insurance Co	$314	$53
Nationwide	$343	$58
Progressive	$402	$68
Auto-Owners	$445	$75
Farm Bureau	$497	$82
American Family	$519	$87
Allstate	$803	$135
State Farm	$950	$160
Farmers	$1213	$202

Cheapest Full Coverage Car Insurance in West Valley City

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in West Valley City is Farmers Union Insurance at $90 per month and $526 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Valley City, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$526	$90
Auto-Owners Insurance Co	$562	$93
Nationwide	$723	$122
USAA	$790	$133
Progressive	$892	$150
American Family	$920	$155
Auto-Owners	$1103	$186
Farm Bureau	$1228	$204
Allstate	$1673	$282
State Farm	$2068	$348
Farmers	$2403	$408

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Average Car Insurance in West Valley City by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in West Valley City, UT increasing?

Despite maintaining a clean driving record, your car insurance rates in West Valley City, Utah, may be increasing due to several external factors. Utah has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, West Valley City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in West Valley City

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in West Valley City,UT

If you are planning to get a car insurance policy for your teenage dependent, Farmers Union Insurance provides the cheapest car insurance in the West Valley City at $63 per month. At $9198 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$380	$63
Auto-Owners Insurance Co	$431	$74
Iowa Farm Bureau	$453	$75
Utah Farm Bureau	$490	$84
USAA	$1571	$264
Nationwide	$1819	$306
Auto-Owners	$2184	$368
Progressive	$2791	$470
Farm Bureau	$3303	$550
American Family	$3339	$562
Allstate	$5728	$964
State Farm	$7612	$1282
Farmers	$9198	$1533

Teen Car Insurance Rates in UT by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in West Valley City, Nationwide is the cheapest car insurance provider. At $402 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in West Valley City is State Farm, offering rates of around $3397 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$402	$69
Farmers Union Insurance	$445	$74
Kemper	$658	$112
Auto-Owners Insurance Co	$753	$125
Progressive	$1052	$177
American Family	$1264	$213
USAA	$1673	$284
Farmers	$2294	$386
Farm Bureau	$2309	$392
Auto-Owners	$2791	$465
Allstate	$2995	$509
State Farm	$3397	$566

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Car Insurance Rates with An Accident in West Valley City

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In West Valley City, UT, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in West Valley City

The cheapest car insurance companies after an at-fault accident in West Valley City include Farmers Union Insurance and AutoOwners Insurance Co, offering $387 and $519, respectively. Farmers is an expensive provider with an average six-month premium of $3601.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$387	$64
Auto-Owners Insurance Co	$519	$89
Utah Farm Bureau	$614	$102
Encompass	$679	$116
USAA	$782	$132
Nationwide	$855	$144
Progressive	$942	$159
Auto-Owners	$1235	$208
American Family	$1242	$209
Farm Bureau	$1892	$322
Allstate	$2346	$395
State Farm	$2622	$442
Farmers	$3601	$600

West Valley City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Valley City UT. For example, the car insurance in West Valley City after a DUI increases to $1206 for a six month policy. While the rate increases by $314 for a six-month policy in the case of a speeding ticket.

West Valley City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1344	$224
One Med/PIP claim	$1352	$230
Not-at-fault accident	$1381	$230
One comp claim	$1381	$235
Two Med/PIP claims	$1381	$230
Two comp claims	$1396	$237
Failure to show documents	$1526	$255
Child safety restraint	$1571	$267
Driving without lights	$1571	$262
Failure to wear a seat belt	$1571	$267
Driving with expired registration	$1600	$267
Cell phone violation	$1651	$280
Texting while driving	$1651	$276
Wrong way/wrong lane	$1651	$280
Driving too slowly	$1658	$277
Failure to yield	$1658	$282
Following too closely	$1658	$277
Illegal turn	$1658	$282
Speeding 6 - 10 MPH over limit	$1658	$277
Failure to stop at a red light	$1665	$283
Speeding 11 - 15 MPH over limit	$1665	$278
Speeding 16 - 20 MPH over limit	$1665	$283
Speeding in school zone	$1665	$278
Improper passing	$1673	$284
In 65 MPH zone	$1732	$289
Speeding 21 - 25 MPH over limit	$1761	$299
Passing school bus	$1768	$295
At-fault accident - less than $1000	$1863	$317
Operating a vehicle without permission	$1951	$325
At-fault accident - $1000-$2000	$2002	$341
Open container	$2016	$336
At-fault accident - greater than $2000	$2031	$346
Reckless driving	$2513	$419
Driving with a suspended license	$2528	$429
Refusal to submit to a chemical test	$2528	$422
DUI	$2550	$433
Racing	$2550	$426
Leaving scene of an accident/hit and run	$2659	$453

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in West Valley City after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in West Valley City.

The cheapest car insurance premiums in West Valley City are offered by Utah Farm Bureau at $453 for a six-month policy. However, it can be as expensive as $4026 with companies like State Farm.

West Valley City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$453	$77
Farmers Union Insurance	$490	$81
Kemper	$562	$96
Progressive	$811	$137
USAA	$1191	$200
Nationwide	$1337	$225
American Family	$1352	$228
Farm Bureau	$1389	$231
Allstate	$1775	$299
Auto-Owners	$2704	$450
Farmers	$3236	$550
State Farm	$4026	$678

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in West Valley City are offered by Farmers Union Insurance at $306. However, it can be as expensive as $3339 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in West Valley City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$306	$52
Nationwide	$314	$53
Auto-Owners Insurance Co	$424	$73
Progressive	$833	$140
American Family	$950	$160
USAA	$994	$166
Auto-Owners	$1031	$175
Farm Bureau	$1389	$231
State Farm	$1797	$305
Allstate	$1886	$314
Farmers	$3339	$568

Car Insurance Price Trends in West Valley City, Utah

Car insurance rates in West Valley City have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the West Valley City remained steady at $263 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the West Valley City remained steady at $84 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

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Anthony Luu

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Ezra Peterson

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Frequently Asked Questions

How much is car insurance in West Valley City?

The car insurance in West Valley City is $41 per month, which is lower than the national average.

What is the cheapest car insurance in West Valley City?

The cheapest car insurance in West Valley City is $90 per month for full coverage.

How much is car insurance in West Valley City for teenagers?

Car insurance for teenagers costs $380 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in West Valley City?

The average cost of car insurance is $952 for a six-month policy. It will cost around $197 per month to insure your car in West Valley City.

Is car insurance expensive in West Valley City?

Car insurance can be expensive in West Valley City if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in West Valley City can be affordable.

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

The best car insurance company in West Valley City UT is Farmers Union Insurance, offering $526 for a six-month policy.