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How much is car insurance in West Valley City?
|Area||Average Monthly Car Insurance Premium|
|West Valley City||$70|
Car insurance policies across the rest of Utah are about $7 a month cheaper than the rates drivers pay in West Valley City.
On the flip side, the expected monthly payments for an auto insurance policy in West Valley City are below the national average. On average, it's about $11 less to insure your vehicle in West Valley City than it is in the rest of the United States.
Keep in mind that while these are the average car insurance rates for West Valley City, it isn't guaranteed that it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for West Valley City and broken down the different factors to help you understand what your policy's monthly premium will be. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates creep back up in West Valley City.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In West Valley City, however, the difference in monthly policy premiums is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In West Valley City, having a single accident on your record will usually get you rates around $96 a month. In addition, drivers with one ticket can expect to pay around $88 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$83|
|15 Years or Older||$65|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in West Valley City, with drivers paying around $62 per month for insurance.
SUV drivers will see rates of about $69 for auto insurance coverage, while car owners by and large pay around $73 per month.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In West Valley City, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$73|
Generally speaking, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups are about the same in West Valley City.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$93|
Another factor taken into consideration is your living accommodations. In West Valley City, homeowners can expect to pay around $7 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.
Car Insurance Companies in West Valley City, UT
Recent trends in car insurance for West Valley City drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
Auto insurance rates in West Valley City have been mixed as of late, they rose in 2017, fell in 2019, and increased again in 2021, before finishing at $79 in 2022.
How does West Valley City compare to neighboring areas?
Why are car insurance rates in West Valley City different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Amount of off-street parking
- Amount of drivers in the region
- Local laws
- Crime levels
- General road safety (how many accidents each locality has)
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in West Valley City?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer policies in West Valley City.
West Valley City Insurance FAQs
What factors affect car insurance quotes in West Valley City?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in West Valley City different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in West Valley City?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to West Valley City?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to West Valley City or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?