Finding economical coverage for a Jeep Wrangler depends on a whole bunch of factors such as whether you are married or single, your geographic location, and any prior driving citations you have received. Drivers pay on average $1,415 each year to insure their Wrangler, but that price is an approximation calculated based on a 30-year-old married female driver with full coverage and $100 deductibles.
There is a good probability you may not be 30 years old (or even female), single instead of married, or maybe you have a teenager that needs to be on your policy. This example demonstrates why the only way to find affordable rates for your Jeep is to compare as many rates as you can. Get your free quotes now and you will receive rate quotes from top-rated companies that insure Jeep vehicles in California.
Your vehicle’s trim level will have an impact the cost of coverage, so the rate you will pay to insure a Wrangler Sport 4WD 2-Dr will cost $370 less than the price to insure the more expensive Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$322||$434||$450||$26||$134||$1,366||$114|
|Wrangler Unlimited Sport 2WD 4-Dr||$322||$434||$564||$34||$168||$1,522||$127|
|Wrangler Sport Islander Package 4WD 2-Dr||$322||$554||$450||$26||$134||$1,486||$124|
|Wrangler Unlimited Sport 4WD 4-Dr||$368||$434||$564||$34||$168||$1,568||$131|
|Wrangler Sahara 4WD 2-Dr||$368||$554||$450||$26||$134||$1,532||$128|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$368||$434||$564||$34||$168||$1,568||$131|
|Wrangler Unlimited Sahara 2WD 4-Dr||$368||$434||$564||$34||$168||$1,568||$131|
|Wrangler Rubicon 4WD 2-Dr||$368||$554||$450||$26||$134||$1,532||$128|
|Wrangler Unlimited Sahara 4WD 4-Dr||$368||$554||$564||$34||$168||$1,688||$141|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$416||$554||$564||$34||$168||$1,736||$145|
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Prices do not factor in specific garaging location which can raise or lower insurance rates noticeably.
Determining which company offers the best car insurance rates for a Jeep Wrangler will require more work in order to find the lowest price. Every car insurance company uses a little different formula to determine rates, so let’s take a look at the most budget-friendly car insurance companies in Sacramento.
Find the Cheapest Auto Insurance for Your Jeep
|Rank||Company||Cost Per Year|
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USAA may have some of the cheapest car insurance rates in Sacramento at around $1,155 annually. Wawanesa, Century National, CSAA, and Nationwide also qualify as some of the best Sacramento, CA car insurance companies.
As the rates illustrate above, if you have coverage with CSAA and switched to USAA, you may see a yearly price reduction of roughly $67. Customers with Nationwide might save as much as $95 a year, and 21st Century insureds might reduce rates by $170 a year.
Bear in mind that those estimates are averaged for all ages of drivers and types of vehicles and are not factoring in an exact vehicle garaging location for a Jeep Wrangler. So the auto insurance company that has the cheapest rates for you may not even be in the top 24 companies in the list above. That underscores the importance of why you need to get auto insurance quotes using your own personal information and vehicle type.
Responsible drivers pay cheaper car insurance rates
The obvious way to score low car insurance prices in Sacramento for a Wrangler is to be an attentive driver and not get tickets or have accidents. The illustration below illustrates how violations and at-fault claims can drive up insurance premiums for different ages of insureds. The data assumes a married female driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
The data above shows the average cost of auto insurance in California per year with no violations or accidents is $2,058. Get written up for two speeding tickets and the average cost hikes up to $2,907, an increase of $848 each year. Then add in two accidents along with the two speeding tickets and the yearly cost of car insurance for a Jeep Wrangler goes up to an average of $6,414. That’s an increase of $4,356, or $363 per month, just for not driving carefully!
Get discounts on Sacramento insurance
Insurers that offer quotes for a Jeep Wrangler may have price discounts that could lower prices by as much as 30% if you are eligible. A few popular companies and some of their more popular discounts are detailed below.
- State Farm has discounts for passive restraint, driver’s education, Drive Safe & Save, safe vehicle, multiple policy, and Steer Clear safe driver discount.
- Farmers Insurance has savings for multi-car, business and professional, mature driver, pay in full, distant student, and switch companies.
- Progressive may offer discounts for continuous coverage, homeowner, multi-policy, online signing, good student, multi-vehicle, and online quote discount.
- GEICO offers discounts including good student, anti-lock brakes, seat belt use, daytime running lights, driver training, and multi-policy.
- Auto-Owners Insurance discounts include mature driver, group or association, anti-theft, multiple vehicles, and company car.
- The Hartford offers premium reductions for vehicle fuel type, bundle, driver training, defensive driver, air bag, and anti-theft.
- Farm Bureau policyholders can earn discounts including multi-vehicle, multi-policy, good student, renewal discount, and safe driver.
- USAA includes discounts for defensive driver, multi-vehicle, driver training, family discount, and loyalty savings.
The illustration below shows the difference between annual premium costs with and without discounts applied. The premiums assume a female driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with multiple vehicle, anti-theft, defensive driving course, vehicle safety, claim-free, and accident-free discounts applied. In this example, the average savings per year on car insurance for a Jeep Wrangler is 28% or $660.
Ideas for finding low-cost insurance for a Jeep Wrangler
The list below details some of the recommended thrifty suggestions that can help California drivers buy cheap auto insurance.
- Accident-free drivers may qualify for discounts
- Full coverage is expensive so only insure older vehicles for liability only
- Increase physical damage deductibles
- Do not get tickets
- Drive vehicles with five-star safety ratings
- Better credit rating means better rates
- Shop around for cheaper rates regularly
The last tip is remarkably vital, as we noted in the prior information. Prices charged by auto insurers in Sacramento change constantly, so don’t hesitate to buy a different policy if a better deal can be had.
Having brand loyalty is commendable, but it’s not a good idea if your bullheadedness ends up costing you money that could be going to better use. Spend a few minutes and shop around to find cheaper insurance for a Jeep Wrangler.