How Much is Jacksonville Auto Insurance for a Jeep Wrangler?

Finding economical insurance for a Jeep Wrangler relies on a lot of rating criteria such as how you use your Wrangler, if you have recent claims, and your policy deductibles. Drivers will pay around $1,223 annually to insure their Wrangler, but that amount is calculated using a 40-year-old married female driver with full coverage and $250 deductibles.

When estimating a car insurance rate like we just did, the issue is that you’re not a 40-year-old female, single instead of married, or maybe you don’t qualify for the same discounts. Insurance is an individual thing, so the way we recommend to find cheap car insurance rates for your Jeep is to just compare rates yourself.

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The trim level of your vehicle will be a contributing factor to the cost of coverage, so the price to insure a Wrangler Sport 4WD 2-Dr will be $314 cheaper than the cost to insure the more expensive Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown in the chart below.

Jeep Wrangler Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $242 $342 $438 $26 $132 $1,180 $98
Wrangler Unlimited Sport 2WD 4-Dr $242 $342 $548 $32 $164 $1,328 $111
Wrangler Sport Islander Package 4WD 2-Dr $242 $438 $438 $26 $132 $1,276 $106
Wrangler Unlimited Sport 4WD 4-Dr $278 $342 $548 $32 $164 $1,364 $114
Wrangler Sahara 4WD 2-Dr $278 $438 $438 $26 $132 $1,312 $109
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $278 $342 $548 $32 $164 $1,364 $114
Wrangler Unlimited Sahara 2WD 4-Dr $278 $342 $548 $32 $164 $1,364 $114
Wrangler Rubicon 4WD 2-Dr $278 $438 $438 $26 $132 $1,312 $109
Wrangler Unlimited Sahara 4WD 4-Dr $278 $438 $548 $32 $164 $1,460 $122
Wrangler Unlimited Rubicon 4WD 4-Dr $312 $438 $548 $32 $164 $1,494 $125
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Prices do not factor in Jacksonville location which can alter prices significantly.

How to find a good Jacksonville car insurance company

Selecting a high-quality insurance provider can be challenging considering how many different companies sell coverage in Jacksonville. The information below could help you pick which coverage providers to look at buying from. The rankings below only include companies with a national presence, so companies that focus mainly on Florida business are not included in the list.

Jacksonville, FL Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
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Data Source: Best Car Insurance Companies

Get discount Jacksonville auto insurance

Car insurance for a Wrangler in Jacksonville, FLCar insurance companies that offer cheap quotes for a Jeep Wrangler may have special discounts that could lower prices by 40% or more if you can meet the requirements. A list of car insurance companies and a partial list of their discounts are shown below.

The information below shows the comparison of auto insurance rates with and without discounts applied to the rates. The premium estimates are based on a female driver, no accidents, no driving violations, Florida state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple vehicle, claim-free, safe-driver, anti-theft, defensive driving course, and accident-free discounts applied. When these discounts are applied, theaverage amount saved on car insurance for a Jeep Wrangler is 28% or $485.

Can you find cheaper Wrangler insurance?

Florida car insurance rates are impacted by many things that can increase the cost of coverage. Improving your credit score, adding a teenager to your policy, or getting a ticket for careless driving can trigger rate changes resulting in some rates now being affordable when they were higher priced.

In addition to those changes, insurers modify pricing as often as every quarter in order to maintain liquidity for claims. A period of increased losses can cause higher rates, while a better loss history may result in lower-priced Wrangler insurance rates.

To illustrate this example, the data below shows rates for the cheapest car insurance in Jacksonville, FL for a 35-year-old female driver with a clean driving record, no accidents, and good financial standing. If we estimate prices based on her personal profile, USAA may offer the most affordable car insurance rates in Jacksonville at $1,117 a year. This is $1,331 less than the average premium paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers round out the rest of the best Jacksonville, FL auto insurance companies.

The chart below compares rates after we give the driver from the first set of rates a chargeable accident, bad credit, and a traffic ticket or two. Since each auto insurance company has a proprietary method to establish rates, analyzing rates may now show a significantly different list of the cheapest companies as shown below.

USAA now has the lowest price in Jacksonville with Allied, Esurance, GEICO, and State Farm also having competitive pricing. This example proves why drivers need to spend some time comparing rates to get affordable auto insurance quotes for a Jeep Wrangler. Rates can be determined by many factors and change dramatically, so the best company the last time you checked may now be quite expensive.

How to find cheaper auto insurance for a Jeep Wrangler

It’s not impossible to find cheaper rates, and here are some of the better thrifty ideas that can help you get cheap coverage.

That last idea is remarkably vital, as we hit on in the article above. Insurance prices can change considerably in a year, so don’t hesitate to change insurance companies if you can find a cheaper rate. Many drivers tend to have loyalty to a certain company, but it’s not recommended if that stubbornness costs you a lot of money. It takes less than five minutes to compare rates to find cheaper auto insurance for a Jeep Wrangler in Jacksonville.