Best Cheap Auto Insurance in West Valley City, UT (2021)

The average West Valley City, UT auto insurance rates are $367 per month or $4,414 annually. However, your rates depend on your driving record, age, and coverage needs. The cheapest West Valley City, UT auto insurance company is USAA, followed by GEICO. All Utah residents must carry at least 25/65/15 in liability coverage plus $3,000 worth of personal injury protection (PIP) to drive on the roads legally.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 20, 2021

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Things to Remember

  • On average, West Valley City, UT auto insurance costs $367 per month or $4,414 annually
  • USAA sells the cheapest auto insurance in your town, followed by GEICO
  • West Valley City premiums are average for the state of Utah

West Valley City, Utah auto insurance rates are typical compared to the rest of the state. The average West Valley City, UT auto insurance quotes are $367 per month or $4,414 annually.

Below, compare actual rates from the leading insurance companies in West Valley City and discover how to secure the cheapest rates in your city.

Compare affordable West Valley City, UT auto insurance rates right now by entering your ZIP code into our quote tool above.

What is the cheapest auto insurance company in West Valley City, UT?

USAA offers the lowest average rates in West Valley City. However, only military personnel are eligible to purchase policies from this company.

The next cheapest West Valley City, UT auto insurance company is GEICO.

Below, compare actual annual rates from the top providers in West Valley City:

  • USAA – $3,213.30
  • GEICO – $3,334.31
  • Nationwide – $3,535.05
  • Farmers – $4,532.57
  • Allstate – $4,533.35
  • American Family – $4,536.24
  • Liberty Mutual – $4,974.05
  • Progressive – $5,257.80
  • State Farm – $5,809.57

It’s important to note that there are many different factors that affect auto insurance rates, like your age, driving record, coverage needs, and even gender.

Therefore, to secure cheap auto insurance, compare quotes from multiple providers before choosing your coverage.

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What auto insurance coverage is required in West Valley City, UT?

Auto insurance laws vary by state. Therefore, West Valley City residents must carry the Utah minimum level of coverage to drive on the roads legally.

Currently, all Utah drivers must purchase at least:

  • $25,000 per person and $60,000 per incident in bodily injury liability insurance
  • $15,000 per incident in property damage liability coverage
  • $3,000 in personal injury protection (PIP)

Utah is a no-fault state. Your PIP insurance covers your medical bills and lost wages as a result of an accident, regardless of fault.

What affects auto insurance rates in West Valley City, UT?

Little to no traffic congestion helps keep insurance rates down in your city.

While traffic data is not available for West Valley City, Salt Lake City is located only eleven miles away.

According to a data report from INRIX, Salt Lake City is the 246th most congested city in the country.

City-Data reports that the average commute length for West Valley City residents is only 20.3 minutes, less than the national average of 26 minutes.

Unfortunately, the auto theft rate in your town is high for a city of its size. The Federal Bureau of Investigation (FBI) recorded 1,146 car thefts in West Valley City in 2017.

Often, data like this can drive up regional insurance rates. Expect comprehensive insurance, which replaces stolen vehicles, to be more expensive than average as a result.

West Valley City, UT Auto Insurance: The Bottom Line

Ultimately, West Valley City auto insurance is average compared to the rest of Utah.

By comparing quotes online ahead of time, you’ll quickly secure low rates. Remember to ask about auto insurance discounts for even more excellent savings opportunities.

Now that you’re ready to buy West Valley City, UT auto insurance, enter your ZIP code into our free quote tool below to start shopping.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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