West Valley City Car Insurance

Everything You Need to Know About Car Insurance in West Valley City, UT

We understand that car insurance can seem overly-complicated. Our simple West Valley City, UT car insurance guide helps simplify things.


Many people who work and do business in Salt Lake City have made the suburban West Valley City, UT their home. Because this is a large city within the suburbs of yet another city, the traffic on the roadways, particularly on I-215, can often be quite congested. This leads to an increased risk of a collision, so as a driver in this city, you would be wise to carry an appropriate West Valley City auto insurance policy.

Car insurance is required of vehicle owners in West Valley City, but overpaying for it is not. Independent Insurance Agents in our network can help you compare a selection of affordable West Valley City car insurance quotes for policies that have been customized to fit your coverage and budgetary needs. Find an agent near you to learn more so you can soon start comparing rates from a variety of competing insurers.

  • National average cost per year: $1,311
  • Utah average cost per year: $1,059
  • 40th most expensive auto premium in U.S.

The good news for those looking to buy a West Valley City auto insurance policy is that car insurance is less expensive in Utah than it is throughout most of the country. This is due largely to the low number of fatal collisions in this state. Of course, your actual rates are likely to be different from the numbers shown above because they are calculated based on several different considerations. These include but are not limited to the following:

  • The ZIP code where you live and park your car(s)
  • The make, model and year of the car(s) you are insuring
  • The number of miles driven average per year
  • The history of claims for your car(s) and your credit score
  • The age, sex, marital status and driving records of all drivers in your household
  • The coverage limits you are requesting
  • The deductible you are requesting

Because so many different factors are used to calculate your West Valley City auto insurance rates, you are likely to get different quotes from the insurance companies you contact. That is why comparison shopping can help you find the best price for your policy.

Utah Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): required
  • Uninsured motorist coverage: not required
  • Minimum liability limits: 25/65/15: Coverage up to $65,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $15,000 coverage for property damage

In Utah, failure to carry auto insurance that meets or exceeds the state-required minimums is a Class B misdemeanor. If you are caught driving without coverage, you can face a fine of no less than $400 for your first offense and no less than $1,000 for future offenses that occur within three years of the previous offense. Additionally, you will have your license suspended for a designated period of time. You will not be able to get it back unless you provide proof of insurance and pay a reinstatement fee.


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Number of Uninsured Motorists in Utah

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Utah drivers: 5.8%

If you are in a collision with an uninsured driver who is at fault, that driver is required to cover your property damage and medical treatment if needed. Unfortunately, these funds can be difficult, if not impossible, to collect. The good news is that by adding uninsured motorist coverage to your West Valley City auto insurance policy, you can collect this compensation easily. This is because your insurance company covers your losses and then goes after the uninsured driver on its own. Uninsured motorist insurance also covers collisions with hit-and-run drivers.

Number of Auto Thefts in Utah

  • National number of thefts per 1,000 vehicles: 2.94
  • Utah number of thefts per 1,000 vehicles: 3.13

The rate of car theft in Utah is higher than the national average, and in the Salt Lake City metropolitan area, which includes West Valley City, the rate is much higher at 9.86 reported car thefts for every 1,000 vehicles. That equates to about 5.88 thefts per 1,000 vehicles – nearly twice the national average. These higher rates of car theft can have an influence on your insurance rates. 

When you supplement your West Valley City car insurance policy with comprehensive, or “other than collision,” insurance, you protect yourself against this sort of loss. Comprehensive coverage provides compensation if your car is stolen or vandalized. It also provides coverage if your car is damaged by other noncollision catastrophes such as floods, noncollision fires, and falling objects.

Find a Great West Valley City Car Insurance Policy

When you are shopping for West Valley City auto insurance, you will want to be sure that you are not only purchasing a policy from a reputable insurance company but that you are getting your coverage at a reasonable rate. Comparison shopping can help you find the most affordable policy, but it can be time-consuming and exasperating when you go about it on your own.

That is why it is beneficial to enlist the help of an independent insurance agent in our network. These agents make gathering and comparing policies and rates easy. They have relationships with a number of dependable insurance companies so they can provide you with a selection of suitable West Valley City auto insurance quotes for policies that have been customized to meet your needs. 

Find an agent with an office in the West Valley City area to get started.

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