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What is the average cost of car insurance in West Valley City?
Car insurance costs an average of $1,576 per year in West Valley City. That's more expensive than the average across Utah ($1,306) and more costly than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in West Valley City.
AUTO INSURANCE: WEST VALLEY CITY RATES VS. STATE + NATIONAL AVERAGES
|West Valley City Average (annual)||Utah Average||National Average|
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West Valley City car insurance rates by insurer
One of the most important determinants of your car insurance rates is the insurance company you work with. In West Valley City, Bear River offers the cheapest premiums for the typical insurance buyer. We've listed the best cheap car insurance companies in West Valley City below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
WEST VALLEY CITY AUTO INSURANCE PREMIUMS BY COMPANY
|Company||Average Annual Rate|
|Iowa Farm Bureau||$1,414|
Check out our guide to learn how to find the best cheap car insurance.
Car insurance rates by age bracket in West Valley City
The age bracket that pays the least for auto insurance in West Valley City consists of drivers in their 50s, who pay an average of $1,488. Drivers in their 60s pay marginally higher rates — $1,536 per year.
The West Valley City drivers who face the priciest insurance rates are teenagers. When drivers hit their 20s in West Valley City and move out of the teenage age bracket, they reduce their premiums substantially. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in West Valley City is $4,191, the largest such difference between any two age brackets.
WEST VALLEY CITY CAR INSURANCE RATES BY DRIVER AGE
|Age bracket||Average Yearly Rate|
Learn more about the impact of age on car insurance premiums.
West Valley City auto insurance premiums by gender and marital status
Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers in West Valley City pay $110 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. In West Valley City, insurance rates for those who are widowed are less expensive than rates for those who are single.
Gender is another factor that can affect car insurance rates. In West Valley City, female drivers pay more for auto insurance than do male drivers: $84 per year, to be precise.
INSURANCE RATES IN WEST VALLEY CITY BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Annual Rate|
Learn more about the impact gender and marital status have on insurance rates.
West Valley City car insurance rates by accident and violation history
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most costly citations to receive are DUI and reckless driving. West Valley City drivers found guilty of reckless driving face insurance rate increases of $686 per year, compared to the citywide average. A DUI violation may lead to a $511 increase, while a citation for speeding leads to a $239 rate hike.
AVERAGE WEST VALLEY CITY INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$2,098|
|At-fault Accident (damages > $2,000)||$2,180|
|Speeding Ticket (16-20 mph over speed limit)||$1,814|
Learn more about citations' impact on your auto insurance rates.
West Valley City auto insurance costs by credit tier
One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. In fact, West Valley City drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 64% decrease in their auto insurance costs. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In West Valley City, moving into the "Fair" credit tier corresponds to an average of $1,502 in savings on insurance each year.
WEST VALLEY CITY AUTO INSURANCE RATES BY CREDIT SCORE
|Credit Level||Average Annual Rate|
Get additional information on how credit impacts car insurance costs.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.