For a 40-year-old driver with a clean record, West Valley City car insurance averages about $280 a month ($3,365 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 16% above the Utah average of $242 a month. Auto-Owners has the lowest full-coverage average among the six major insurers we compared (Allstate, Auto-Owners, Farmers, GEICO, Progressive and State Farm), at about $191 a month.
West Valley City is the most expensive of the nine Utah cities we publish guides for, and of all 68 Utah cities and towns we price. Our benchmark driver pays about $38 a month more here than the state average and about $19 a month more than in Salt Lake City.
Our data covers three ZIP codes with a West Valley City mailing address, priced within a few dollars of each other, from about $278 a month in 84128 to $282 in 84119.
Cost data comes from the auto rates insurers file with state regulators, priced across all three West Valley City ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in West Valley City averages $3,365 a year, or about $280 a month, for our benchmark driver. Liability-only coverage at 25/70/15 limits averages $1,638 a year ($137 a month), and 50/100/50 liability with comprehensive and collision averages $3,133 ($261 a month).
Auto-Owners has the lowest full-coverage average among the six insurers in our West Valley City rate data. The published 2026 statewide Utah rate studies we reviewed disagree on which insurer is cheapest for full coverage: four of the eight put GEICO first, two Nationwide and two Auto-Owners, apart from USAA, which sells only to military families. For liability-only coverage at 25/70/15 limits, Auto-Owners has the lowest average among these six insurers, at about $82 a month, followed by GEICO at $102.
Full-coverage averages by insurer in West Valley City
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/70/15 (Yearly): | Liability Only 25/70/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Auto-Owners | $982 | $82 | $2,288 | $191 |
| GEICO | $1,226 | $102 | $2,374 | $198 |
| Progressive | $1,349 | $112 | $2,612 | $218 |
| Allstate | $1,303 | $109 | $3,577 | $298 |
| Farmers | $1,972 | $164 | $3,630 | $303 |
| State Farm | $2,998 | $250 | $5,709 | $476 |
| USAA (military families)* | $788 | $66 | $1,664 | $139 |
| Nationwide* | $1,093 | $91 | $1,839 | $153 |
| American Family* | $1,773 | $148 | $2,712 | $226 |
| Farm Bureau Financial Services* | $1,304 | $109 | $3,822 | $319 |
| West Valley City average | $1,638 | $137 | $3,365 | $280 |
This table uses West Valley City ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the three West Valley City ZIP codes we price, full coverage for our driver ranges from about $278 a month in 84128 to $282 in 84119, a gap of $38 a year. 84128, on the city’s west side, is the least expensive West Valley City ZIP code in our data, and 84119, on the east side toward Salt Lake City, the most expensive.
Lowest-priced West Valley City ZIP code
Highest-priced West Valley City ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below West Valley City’s average.
| ZIP Code: | Liability Only 25/70/15 (Yearly): | Liability Only 25/70/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 84119 | $1,643 | $137 | $3,378 | $282 | +1% |
| 84120 | $1,643 | $137 | $3,377 | $281 | About average |
| 84128 | $1,629 | $136 | $3,340 | $278 | -1% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $232 a year on average in our West Valley City data, with the same $500 deductibles. That’s about $19 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Auto-Owners charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Slightly, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same West Valley City ZIP codes, their full-coverage average rose from $3,534 a year nine months earlier to $3,581 in rates as of Aug. 31, 2026, a 1.3% increase. Farmers raised its average 5.6% and State Farm 1.0%, while Allstate’s, GEICO’s and Progressive’s averages were about unchanged. Auto-Owners is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the West Valley City average above. Liability-only coverage at 25/70/15 limits rose 2.3%, led by Farmers, which raised its liability-only average 14.7%.
Salt Lake County averages about $260 a month for full coverage, the most expensive of the 21 Utah counties we price, and the west side of the Salt Lake Valley is its highest-priced area in our data.
Magna, to the west, averages about $270 a month, and West Jordan, to the south, $259. Two neighboring ZIP codes with a Salt Lake City mailing address cost even more or nearly as much: 84104, just north of the city, averages about $283 a month, and 84118, which includes Kearns, to the south, $277. Prices depend on where in Utah you live, not just on your car and driving record.
More Utah cities and towns are in the Utah rates by city table, and you can compare states on our car insurance rates by state page.
Salt Lake City, about six miles northeast, averages $261 a month, and Sandy, about nine miles southeast, $249. Orem, about 30 miles southeast, averages $258.
Drivers in West Valley City follow Utah’s rules. Every policy issued or renewed since Jan. 1, 2025, must include at least:
Our Utah requirements guide covers the no-fault rules and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Utah law and the Utah Insurance Department. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in West Valley City averages about $280 a month ($3,365 a year) and liability-only coverage at 25/70/15 limits about $137 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 16% above the Utah average of $242 a month.
Auto-Owners has the lowest full-coverage average in our West Valley City rate data, at about $191 a month, with GEICO close behind at $198. For liability-only coverage at 25/70/15 limits, Auto-Owners has the lowest average among the six major insurers we compared, at about $82 a month. The published 2026 statewide Utah rate studies we reviewed disagree on which insurer is cheapest for full coverage: four of the eight put GEICO first, two Nationwide and two Auto-Owners, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
In our data, West Valley City full coverage averages about $280 a month, 16% above the Utah average and the highest of the 68 Utah cities and towns we price. Salt Lake County is the most expensive of the 21 counties we price, and its west-side ZIP codes cost the most in our data.
In our data, 84128 has the lowest full-coverage average in West Valley City, at about $278 a month, and 84119 the highest, at about $282. The ZIP code table on this page lists all three.
In our West Valley City data, full coverage (100/300/100 with $500 deductibles) averages about $280 a month and liability-only coverage at 25/70/15 limits about $137, a difference of about $143 a month ($1,727 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Utah law doesn’t require full coverage, but a lender or leasing company may.
Slightly, for our benchmark driver. Comparing the five insurers in both sets of rates (Auto-Owners is new over the past nine months), their West Valley City full-coverage average rose 1.3%, from about $3,534 to $3,581 a year. That’s higher than the West Valley City average of $3,365 because it leaves out Auto-Owners. Farmers raised its average 5.6% and State Farm 1.0%. Liability-only coverage at 25/70/15 limits rose 2.3%.
For our benchmark driver, full coverage in West Valley City averages about $280 a month. Nearby, Salt Lake City averages about $261, Sandy about $249 and Orem about $258. Salt Lake City, Sandy and Orem are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
