Before you begin your search for a new or used car, you should check into Jeep Wrangler insurance costs.
Although rates are based upon many variables, including age, gender, location, and driving habits, the make and model of your vehicle is the prime factor that determines your premium.
Insurance providers use a variety of governmental and private organizations to come up with individual risk assessments.
How Much Does Jeep Wrangler Insurance Cost?
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.
Let’s look at the factors that may influence the cost of your Jeep Wrangler insurance.
Safety Rating & Damage Threshold
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 Wrangler came out slightly better than average.
|Vehicle Name||Overall Rating||Frontal Crash Rating||Side Crash Rating||Rollover Rating|
|2017 Jeep Wrangler Unlimited 4DR 4WD||Not Rated||3 out of 5 Stars||Not Rated||3 out of 5 Stars|
|2016 Jeep Wrangler 4DR 4WD||Not Rated||Not Rated||Not Rated||3 out of 5 Stars|
|2013 Jeep Wrangler SUV 4WD||Not Rated||Not Rated||Not Rated||3 out of 5 Stars|
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.
Jeep Wranglers vary in price thanks in part to age, trim style, and extra features.
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|
Claims Frequency & Potential to Cause Damage
Insurance companies also look at statistics that account for the specific dollar amount lost for specific vehicles.
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 Jeep Wrangler scored “substantially better” in personal injury, collision, and medical payments, and “better than average” for comprehensive in the mid-sized 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.
Most car insurance companies offer 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.
If you have any of these on your Jeep, make sure you mention them to your provider for possible rate deductions.
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 on your car.
Make sure to question your carrier about this possibility.
Getting a Quote: What Are the Best Companies for Jeep Wrangler Insurance?
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:
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 insurance carrier for your needs.
What to Know About 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 its an open-air design or hard top, 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.
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.
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.*While we make every effort to keep our site updated, please be aware that "timely" information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.