Jeep Wrangler Insurance
Every penny counts, so when looking for cheap car insurance quotes, knowing what factors raise or lower your car insurance rates will help your bottom line.
Getting your first car is exciting, but before you begin your search for a new or used Wrangler, you should check into the cost of a Jeep Wrangler insurance policy.
Although auto insurance rates are based upon many variables, including some personal information like your age, gender, geographical location, credit score, and driving habits–the make and model of your vehicle is the prime factor that determines your car insurance premiums.
By using a licensed insurance agent, you can find all the information on insurance coverage the best car insurance premium for your budget, particularly Jeep Wrangler car insurance. Let’s talk about what auto insurance companies are using to determine premium rates, finding the best deal for you.
Jeep Wrangler Insurance Rates
Unless you have an extreme amount of add-ons that inflate the market value of your car, your Jeep Wrangler insurance prices should be about average for this type of vehicle.
Jeep Wranglers don’t come with the cheapest rates, but we can make sure you find the insurance coverage you need for the best price.
How Much Does Jeep Wrangler Insurance Cost?
According to Finder.com, the average cost or car insurance for a Jeep Wrangler will cost you around $154 per month, or about $1,850 annually, which is higher than the national average.
Let’s look at the factors that may influence the cost of your Jeep Wrangler insurance. With this overview of how insurance companies look at vehicle models, you should be able to negotiate a better price for your Jeep Wrangler insurance.
Safety Rating & Damage Threshold
Insurance providers use a variety of governmental and private organizations to come up with individual risk assessments.
The National Highway Traffic Administration performs crash tests on a variety of vehicles every year to determine their overall safety rating.
Tests are performed in the following categories: frontal crash, side crash, and rollover potential.
The Jeep Wrangler was only tested across a few categories, mainly its rollover potential, as this is a prime concern with SUVs and off-road vehicles.
In the test, the 2019-2020 Wrangler came out slightly better than average, earning 4 stars.
Discounts for Jeep Safety Features
Most car insurance companies offer insurance discounts for some safety features and other add-ons which may reduce claim amounts.
Most modern vehicles are equipped with passive restraint systems and anti-lock brakes, but newer Jeep models also have an array of driver-assist equipment from which you can choose. Look around at the different trim levels offered, some of which offer all the newest safety technology available.
If you have any of these on your Jeep, make sure you mention them to your provider for possible rate deductions.
Make and Model
Jeep Wranglers vary in price thanks in part to model year, trim level, and extra features. The Jeep Wrangler offers several trim packages available including the Wrangler Sport 4wd, Sport 2wd, Sport S, the Sahara, the Rubicon, and MOAB. The Wrangler also comes with a 2 door or 4 door option.
In turn, this may cause a corresponding fluctuation in insurance rates.
Kelley Blue Book provides examples of the fair purchase price for a Jeep Wrangler located in the 85001 ZIP code of Phoenix, Arizona.
We have also taken into account the hefty sales tax, document fees, and DMV fees for this area and created a Target Out-The-Door Price.
Wranglers are priced high, and even the used models tend to keep their value, which may increase insurance rates.
|Vehicle Name||Fair Purchase Price||Out-the-door Target Price|
|2017 Jeep Wrangler Unlimited Saraha Sports 4DR 4WD||$33,124||$37,795|
|2016 Jeep Wrangler Unlimited Sports 4DR 4WD||$31,319||$35,788|
|2013 Jeep Wrangler Unlimited Sports 4DR 4WD||$30,267||$34,618|
Comprehensive & Collision Coverage
The cash value of your vehicle contributes heavily to the price of your Jeep Wrangler insurance since the provider must be prepared to pay this sum in the event of a total-loss accident or theft. There are different types of insurance coverage including full coverage and liability insurance.
Liability insurance offers coverage for your car if you collide with another car or object. Full coverage includes liability and uninsured motorist coverage, but also coverage against hail, theft, fire, or vandalism.
Claims Frequency & Potential to Cause Damage
Insurance companies also look at statistics that account for the specific dollar amount lost for specific vehicles when calculating your annual premium.
The Insurance Institute for Highway Safety divides cars into classes and measures them against an average of 100 in categories such as comprehensive, collision, and bodily injuries dollars spent.
The IIHS also ran a crash test on the 2020 Jeep Wrangler 4 door SUV earning a “G” (the highest rating) for all crash tests except for the small front overlap on the front driver’s side. This particular crash area received an “M” for Marginal. Overall, the Jeep Wrangler received great ratings. The one “P” for poor it received was for the headlights.
The Jeep Wrangler scored “substantially better” in personal injury, collision, and medical payments, and “better than average” for comprehensive in the midsize SUV class.
Of interest though, is its “substantially worse” score in property damage which measures the damage you inflict on other drivers’ vehicles and property.
This seems to indicate the Jeep Wrangler itself holds up well in crash situations but may cause excessive damage to other vehicles during the collision.
Overall, the good scores should outweigh this one category and may help keep your insurance rates down.
Your driving record also comes into play. If you tend to rack up speeding tickets, there is a high likelihood your rates will be higher. Companies like Allstate offer a “Safe Driving” discount, lowering your premiums the longer you avoid speeding tickets or auto claims.
Also, if you have a teen driver in your home, know that auto insurance companies automatically hand younger drivers the higher rates.
The best driver age for cheaper rates is around forty years old. However, most insurance companies will offer driving discounts to good students. If you can qualify for that discount, it may help offset the higher teen driver rates. Also, companies like Progressive offer a multi-car discount. The more cars you insure with them, the lower your overall rates will be.
The National Insurance Crime Bureau keeps a listing of the most stolen vehicles for each year.
The Jeep Wrangler is not in the top 10. However, another Jeep model, the Jeep Cherokee, resides in the 10th spot.
Even though the Wrangler is not included in the list, theft is increasingly on the rise, and many insurance providers offer a discount if you install an anti-theft system in your car.
Location can play a role in theft. You may pay more for car insurance in New York than say, Mississippi.
Make sure to question your carrier about this possibility.
What’s the Best Company for Jeep Wrangler Insurance?
There are several companies to choose from when looking for car insurance. It is a great idea to gather at least three quotes to compare rates.
Larger companies like State Farm and Geico can be very competitive, but don’t forget to check out your smaller, local insurance companies as well. Most companies will give you free quotes as well.
One of the best ways to compare insurance providers is to gather several quotes based on your personal information and vehicle data.
Also, ask detailed questions regarding discounts offered such as:
- Are there discounts for multi-vehicle and multi-policies with the same insurer?
- Do you have safe driver discounts and rate reductions for driver’s education?
- Is there a payment-in-full discount or offer savings for paperless billing?
- Are there discounts for good students and students residing away from home?
Take the time to check out results from customer satisfaction studies and complaint data published by the National Institute of Insurance Commissioners.
Finally, make sure to check your potential insurer’s financial health via independent rating agencies.
All the above information can help you feel confident that you have chosen the best car insurance carrier for your needs.
Interesting Facts About the Jeep Wrangler
The Jeep brand markets itself to adventurers and travelers.
The brand began after the war in the 1940s and was quickly picked up by soldiers who liked the looks of this rugged vehicle.
The Wrangler has been updated several times over the years with a new look in 1987 (YJ), 1997 (TJ), and 2007 (JK).
Whether it’s an open-air design or hardtop, two or four doors, all models feature go-anywhere capability and four-wheel drive.
The Jeep Wrangler appeals to off-road enthusiasts and city dwellers alike with its rugged good looks and above-average collision damage scores.
Make sure you provide a full listing of safety features and take the time to ask about offered discounts before you sign on the dotted line.