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West Valley City Car Insurance
How much does car insurance cost in West Valley City, UT? Check out the average rates that drivers pay below.
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What Is the Average Cost of Car Insurance in West Valley City?
Monthly Average Rates by Country, State, and City
Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Utah has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in West Valley City typically pay around $150.52 per month compared to the national average of $167.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.
| Area | Average Monthly Rate |
|---|---|
| National | $167.68 |
| Utah | $125.72 |
| West Valley City, Utah | $150.52 |
West Valley City, UT Best Car Insurance Companies
Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Kemper Auto Premium generally has the most affordable car insurance in West Valley City coming in around $51.67 per month. Other companies to consider if you live in West Valley City is Clearcover with an average cost of $68.75 per month and Bear River which typically runs around $69.63 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in West Valley City.
| Rank | Company | Average Monthly Rate | Comparison State Average |
|---|---|---|---|
| 1 | Kemper Auto Premium | $51.67 | -58.90% |
| 2 | Clearcover | $68.75 | -45.32% |
| 3 | Bear River | $69.63 | -44.62% |
| 4 | Dairyland | $77.25 | -38.55% |
| 5 | USAA | $87.92 | -30.07% |
| 6 | Esurance | $96.75 | -23.04% |
| 7 | Kemper Personal Insurance | $98.00 | -22.05% |
| 8 | ACCC Insurance Company | $123.68 | -1.62% |
| 9 | Nationwide | $139.47 | 10.94% |
| 10 | Farm Bureau Mutual (IA Group) | $144.26 | 14.75% |
How Much is Car Insurance in West Valley City, UT?
Rates can vary from city to city. The residents of Bountiful typically pay $121.43 per month while people who live in Cedar City will pay $106.25 per month on average. See what people pay for car insurance in other cities in Utah.
| Utah Cities | Monthly Average Rate |
|---|---|
| Bountiful | $121.43 |
| Cedar City | $106.25 |
| Clearfield | $126.89 |
| Hildale | $122.48 |
| Layton | $127.17 |
| Logan | $114.86 |
| Ogden | $122.83 |
| Orem | $125.42 |
| Park City | $142.08 |
| Provo | $119.00 |
| Saint George | $98.96 |
| Salt Lake City | $134.15 |
| Sandy | $119.87 |
| Vernal | $91.31 |
| West Jordan | $133.77 |
| West Valley City | $150.52 |
Cheap Car Insurance in West Valley City by Zip Codes
Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Utah. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.
| West Valley City, UT ZIP Code | Average Monthly Rate |
|---|---|
| 84119 | $152.52 |
| 84128 | $168.04 |
| 84120 | $142.90 |
| 84081 | $102.62 |
| 84118 | $164.04 |
Car Insurance Rates by Driver's Age Group in West Valley City
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $91.42 per month in West Valley City. Compare that to drivers in their 30’s who typically pay around $398.99 per month drivers in their 40s at $118.81 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.
| Age Group | Average Monthly Rate |
|---|---|
| 60s | $91.42 |
| 20s | $196.90 |
| 16-19 | $398.99 |
| 30s | $118.81 |
| 70+ | $157.91 |
| 50s | $131.52 |
| 40s | $92.49 |
Cheapest Insurance for Teenage Drivers in West Valley City
If you are teen in West Valley City you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, ACCC Insurance Company typically charges around $128.67 per month. This is likely the most affordable option in West Valley City. You might also want to consider Unigard and USAA who also offer good affordable policies for teen drivers.
| Company | Average Monthly Rate |
|---|---|
| ACCC Insurance Company | $128.67 |
| Unigard | $210.00 |
| USAA | $233.54 |
| State Auto | $327.83 |
| Nationwide | $338.73 |
Cheapest Insurance for 20 Year-olds in West Valley City
20 year-olds in West Valley City might want to consider Dairyland who, on average, offers car insurance rates around $77.25 per month. Kemper Personal Insurance , Kemper Auto Premium , Clearcover and USAA are also in the top 5 cheapest rates available.
| Company | Average Monthly Rate |
|---|---|
| Dairyland | $77.25 |
| Kemper Personal Insurance | $98.00 |
| Kemper Auto Premium | $98.33 |
| Clearcover | $104.74 |
| USAA | $109.02 |
Cheapest Insurance for 30 Year-olds in West Valley City
If you are in your 30s in West Valley City our research has found that Clearcover typically has the most affordable coverage coming in around $57.25 per month, followed by Bear River at $61.25 and USAA at $73.63.
| Company | Average Monthly Rate |
|---|---|
| Clearcover | $57.25 |
| Bear River | $61.25 |
| USAA | $73.63 |
| Esurance | $82.17 |
| Nationwide | $112.78 |
Cheapest Insurance for 40 Year-olds in West Valley City
On average, Kemper Auto Premium offers car insurance for 40 year-olds in West Valley City for around $5.00 per month. If you are looking for affordable coverage, you may also want to consider Clearcover or USAA. The full list of top companies is below.
| Company | Average Monthly Rate |
|---|---|
| Kemper Auto Premium | $5.00 |
| Clearcover | $51.91 |
| USAA | $59.31 |
| ACCC Insurance Company | $83.91 |
| Auto-Owners Insurance Co | $92.51 |
Cheapest Insurance for 50 Year-olds in West Valley City
Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In West Valley City we found that USAA generally offers the most affordable coverage at $67.58 per month.
| Company | Average Monthly Rate |
|---|---|
| USAA | $67.58 |
| Clearcover | $69.89 |
| Bear River | $78.00 |
| ACCC Insurance Company | $91.00 |
| Nationwide | $98.02 |
Cheapest Insurance for 60 Year-olds in West Valley City
If you live in West Valley City and you’re in your 60s, our data indicates that Clearcover usually has the best rates at $47.20 per month. The top 5 list of car insurance companies is below.
| Company | Average Monthly Rate |
|---|---|
| Clearcover | $47.20 |
| USAA | $58.33 |
| Nationwide | $76.94 |
| Auto-Owners Insurance Co | $81.95 |
| State Farm | $91.33 |
Driver's Coverage Auto Insurance Rates in West Valley City, UT
Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In West Valley City, the average monthly rate for a driver who is currently insured is $148.84 while drivers who are not currently covered will pay around $151.39.
| Coverage | Average Monthly Rate |
|---|---|
| Currently Insured | $151.39 |
| Not Currently Insured | $148.84 |
Compare Recent Car Insurance Quotes in West Valley City
Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In West Valley City a driver of a 2013 Bmw 750 can expect to pay around $635.62 per month while someone that owns a 2002 Honda Accord may pay around $58.78 per month. Check out the list of recent quotes in West Valley City below.
| Vehicle | Average Monthly Rate |
|---|---|
| 2013 Bmw 750 | $635.62 |
| 2002 Honda Accord | $58.78 |
| 2010 Chevrolet Traverse | $112.19 |
| 2017 Nissan Sentra | $239.60 |
| 2004 Chevrolet Silverado | $93.52 |
FAQ's for Drivers in West Valley City, UT
What Is the Minimum Liability Coverage Requirement in West Valley City, UT?
Every state requires drivers to have a minimum amount of liability coverage. Utah drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.
- $25,000; Bodily injury coverage per person; Maximum payment for serious injury or death to a single person
- $65,000; Bodily injury coverage per accident; Maximum payment for serious injury or death to more than one person
- $15,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you
Drivers in Utah must carry at least $25,000 of bodily injury liability per person and $65,000 of coverage per accident. Also, $15,000 of property damage liability is required, as is $30,000 of personal injury protection to cover your medical expenses in the event of an accident.
Utah has a no-fault insurance system. This means you’re covered no matter who is at fault and you don’t need to wait for fault to be determined before being compensated. You can begin repairs on your vehicle, pay your doctors, and return to your life right away.
What Is the Blood Alcohol Concentration (BAC) limit in West Valley City, UT?
It’s against the law to drive in Utah at the following BAC percentages:
- .08%+ at 21 years old or older
- .04%+ for commercial vehicle drivers
- .02%+ at under 21 years old
When it comes to drunk driving, Utah has the strictest laws in the nation. In early 2017, the State voted to lower the legal driving BAC from 0.08 to 0.05 percent. The lower limit also applies to anyone carrying a dangerous weapon, such as a gun. The new law takes effect on December 30, 2018.
What happens if my coverage lapses?
You cannot allow your coverage to lapse in Utah. If you’re convicted of driving without insurance, your license and vehicle registration may be suspended and you’ll be required to pay hefty reinstatement fees. Failure to provide insurance or operator’s security in Utah is a class B misdemeanor, requiring a minimum fine of $400 for a first offense and $1,000 for a second or subsequent offense within three years of a previous conviction.
Check Out Other Rates in West Valley City, UT Nearby Cities:
Commute Time in West Valley City, UT
22 MilesCommute Time in United States
26.4 Miles
Number of Nearest Insurance Agents in West Valley City, UT
186 Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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