West Valley City, UT Car Insurance

Review expert tips on how to save on auto insurance in West Valley City, Utah.

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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 AverageNational Average
$1,576$1,306$1,548
 
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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
CompanyAverage Annual Rate
Bear River$666
GEICO$1,206
AAA$1,312
Iowa Farm Bureau$1,414
State Farm$1,762
 

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 bracketAverage Yearly Rate
Teens$6,419
20s$2,227
30s$1,567
40s$1,547
50s$1,488
60s$1,536
70s$1,953
 

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/GenderAverage Annual Rate
Female$1,660
Male$1,576
Single$1,467
Married$1,467
Divorced$1,540
Widowed$1,511
 

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
IncidentAverage Yearly Rate
DUI/DWI$2,086
Reckless Driving$2,261
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 LevelAverage Annual Rate
Very Poor$3,427
Fair$1,926
Good$1,576
Very Good$1,417
Exceptional$1,243
 

Get additional information on how credit impacts car insurance costs.

 

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Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.