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.
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.
|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.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Get discount Jacksonville auto insurance
Car 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.
- GEICO has discounts for emergency military deployment, membership and employees, anti-theft, five-year accident-free, and anti-lock brakes.
- USAA discounts include multi-policy, good student, new vehicle, driver training, and annual mileage.
- Progressive may offer discounts for homeowner, online quote discount, online signing, continuous coverage, multi-vehicle, good student, and multi-policy.
- American Family may include discounts for bundled insurance, defensive driver, accident-free, early bird, TimeAway discount, good student, and mySafetyValet.
- Esurance may have discounts that include emergency road assistance, paid-in-full, homeowner, anti-theft, and claim free.
- Farmers Insurance offers premium reductions for switch companies, teen driver, business and professional, homeowner, and distant student.
- State Farm policyholders can earn discounts including Steer Clear safe driver discount, safe vehicle, student away at school, driver’s education, multiple autos, passive restraint, and multiple policy.
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.
- Save money by observing traffic laws and speed limits
- Prevent price hikes by avoiding at-fault accidents
- Claim-free drivers earn discounts
- Save money by insuring your home and auto with the same company
- Lower rates by purchasing a safer vehicle
- Look for cheaper rates once a year by shopping around
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.