Searching for affordable and reliable auto insurance in West Jordan, UT can feel overwhelming. With so many local insurance agencies to choose from, how do you know which provider is the right fit?
This comprehensive guide will walk you through everything you need to know about getting great car insurance rates in West Jordan. We’ll cover:
- Average insurance costs in West Jordan
- Minimum Utah requirements
- Top local insurers
- Tips for saving money
- And more!
Follow our advice to secure an ideal policy that protects your vehicle at a price you can afford.
Average Car Insurance Rates in West Jordan
The table below shows average annual West Jordan car insurance rates from major companies for sample driver profiles:
| Company | Full Coverage (100/300/100) | Minimum Coverage (25/50/15) |
|---|---|---|
| Geico | $1,015 | $486 |
| State Farm | $1,211 | $582 |
| Allstate | $1,482 | $710 |
| Progressive | $1,201 | $575 |
| Farmers | $1,540 | $737 |
Rates are based on a 2022 Toyota Camry for the following driver types:
- Full coverage: 35-year-old single female with good credit and a clean driving record.
- Minimum coverage: 60-year-old married male with poor credit and previous violation.
Your actual premiums will vary based on your age, gender, driving history, vehicle, coverage selected and other factors.
Utah Minimum Car Insurance Requirements
To legally drive in Utah, you must carry at least:
- $25,000 bodily injury liability per person
- $65,000 bodily injury liability per accident
- $15,000 property damage liability
This provides the minimum 25/65/15 liability coverage. However, experts strongly recommend higher 100/300/100 limits or better.
Collision and comprehensive are optional in Utah. But adding them protects your vehicle from theft, damage, and weather incidents.
Top Car Insurers in West Jordan
Here are some of the top insurers providing coverage to West Jordan drivers:
State Farm
- Over 20 local State Farm agents in West Jordan
- Average rates but good discounts like safe driver and bundling
- Easy claims process with large local network
Geico
- National insurer with good student and multi-policy discounts
- Rates very competitive for high risk drivers
- Quote and buy fully online which is convenient
Allstate
- Usage-based options available to potentially lower premiums
- Large selection of discounts to reduce rates
- Excellent financial strength rating for claims-paying ability
American Family
- Several agents right in West Jordan
- Bundling discount for adding home or life insurance
- Rates rise significantly after an accident
Farmers
- Local Farmers agent offices across West Jordan
- Lots of options to customize your policy
- Rental car reimbursement included which is useful
Tips for Finding Cheaper West Jordan Car Insurance
Want to pay less for coverage? Here are some smart strategies:
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Compare quotes – Get at least three free quotes to find the lowest rate. Rates can vary by hundreds between insurers.
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Increase deductibles – Higher deductibles of $500+, $1,000 or $2,500 can lead to significant savings. Just be sure you have savings to cover the deductible if needed.
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Drop collision/comprehensive – Removing these coverages lowers premiums but leaves you unprotected. Only do this if your vehicle is worth less than 10 years old.
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Ask about discounts – Inquire about all possible discounts like safe driver, good student, anti-theft devices, and more.
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Improve credit – Utah insurers use credit when setting rates. Boosting your score saves money.
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Take a defensive driving course – Many insurers offer lower rates if you complete an approved online or classroom defensive driving class.
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Enroll in telematics program – Insurers monitor driving habits and may adjust your premium based on your safety.
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Increase liability limits – Higher liability limits show you’re less risky. Can possibly lower premiums over time.
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Buy old car liability only – Just carry the minimum liability on older cars. Don’t waste money insuring an old car’s actual value.
Common Coverage Options to Consider
Beyond the minimum requirements, here are some add-ons West Jordan drivers may want to consider:
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Uninsured motorist – Covers injuries if you’re hit by an uninsured driver.
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Comprehensive – Protects against theft, vandalism, weather, fire and more.
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Collision – Pays to repair damage from accidents.
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Rental reimbursement – Provides money for a rental car while yours is in the shop.
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Roadside assistance – Provides towing and other emergency help if stranded.
Review the options above with your agent or insurer to construct a policy customized for your needs.
Final Tips for Finding the Best West Jordan Car Insurance
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Ask family and friends if they recommend a local agent or insurer.
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Verify any agency or company is licensed with Utah’s department of insurance.
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Inquire about discounts even for existing policies as new ones may be available.
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Avoid just going with the cheapest rate. Make sure coverage meets your needs.
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Read all policy documents carefully so you fully understand what is and isn’t covered.
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Pay your bill on time every month and maintain good credit.
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Drive safely and avoid accidents, traffic violations, and claims if possible.
Take your time and shop around for the most affordable rates. But also prioritize having sufficient coverage so you’re protected on Utah roads.
Insurance by car West Jordan, Utah – Cheap Auto insurance West Jordan, Utah 84088
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