West Valley City Car Insurance

The Zebra
May 30, 2018

Car Insurance in West Valley City

Premiums in Utah are $315 less than the national average, which is why the state is recognized for its low-cost rates. However, premiums run higher in the city, so if you are insuring a vehicle in West Valley City, cutting costs is vital. Let’s get started on how to save on car insurance in West Valley City.

  • City Average: $1,358
  • State Average: $1,112
  • National Average: $1,427

West Valley City Car Insurance by Credit Rating

Average car insurance premiums in West Valley City for individuals with Very Poor credit (300-579) are 2.5x higher than for those with Exceptional credit (800-850). Drivers can save an average of $304 per year when they raise their credit tier from Very Good (740-799) to Exceptional (800-850).

  • Very Poor: $2,814
  • Fair: $2,246
  • Good: $1,777
  • Very Good: $1,439
  • Exceptional: $1,135

West Valley City Car Insurance by Gender and Marital Status

Car insurance premiums in West Valley City differ depending on your marital status as well as gender. Being married can save you roughly 6% per year compared to being single or divorced. Rates for those who are widowed are a hair cheaper than rates for those who are single. Premiums for men and women tend to deviate by 5%, with women paying more.

  • Female: $1,425
  • Male: $1,358
  • Single: $1,358
  • Married: $1,283
  • Divorced: $1,358
  • Widowed: $1,352

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West Valley City Car Insurance by Accident or Violation History

Do you have an accident or violation on your record? That can cost you in terms of car insurance rates. No one plans on getting into an accident, but things happen, so be aware of how your rates can change after one. You can expect your yearly car insurance premiums to grow by $608 if you are found at-fault in an accident in West Valley City. Typically, a DUI in West Valley City will cost you 41% more in car insurance premiums versus the city average of $1,358. Reckless driving will also drive your premiums up, with average rates of $1,825. That is 34% higher than the city average.

  • DUI: $1,918
  • Reckless Driving: $1,825
  • At-fault Accident (damages less than $1000): $1,966
  • At-fault Accident (damages greater than $2000): $1,966
  • Speeding Ticket (16-20 mph over speed limit): $1,592

West Valley City Car Insurance by Age

In West Valley City, when drivers reach their 20s, therefore moving out of the teenage age range, they pay $3,949 less in premiums, the biggest difference between any age group. Premiums for drivers continue to fall through their 50s, but they can expect a change when they turn 60. Among all age groups, drivers in their 50s have the lowest rates, with rates of $1,238 per year. However, those in their 60s ($1,282) aren’t paying significantly more. Teenage drivers have the largest premiums out of all the age groups, with car insurance payments of $5,874 on average.

  • Teenagers: $5,874
  • 20s: $1,924
  • 30s: $1,338
  • 40s: $1,318
  • 50s: $1,238
  • 60s: $1,282
  • 70s: $1,594