Jeep Wrangler insurance rates image courtesy of QuoteInspector.com
Finding economical auto insurance for a Jeep Wrangler in Texas hinges on lots of different factors such as the safety rating for your Wrangler, the condition of your credit, and your choice of physical damage deductibles. Texas drivers will pay on average $995 a year for Wrangler insurance, but that is a projection based upon a 40-year-old married male driver with full comprehensive and collision coverage and $500 deductibles.
Most likely you may not be 40 years old (or even male), you might be single instead of married, or maybe you want different physical damage deductibles. Even a minor difference in rating variables could end up in a significant change in how much insurance for a Jeep Wrangler costs.
Each driver's needs are different, and that demonstrates why the best way to find affordable rates for your Jeep is to compare rates from as many companies as possible.
The trim level of your vehicle will likely have an effect on the coverage cost, so the price to insure a Wrangler Sport 4WD 2-Dr will be $254 less than the cost to insure the more expensive Wrangler Unlimited Rubicon 4WD 4-Dr model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$190||$236||$392||$24||$118||$960||$80|
|Wrangler Unlimited Sport 2WD 4-Dr||$190||$236||$490||$30||$146||$1,092||$91|
|Wrangler Sport Islander Package 4WD 2-Dr||$190||$302||$392||$24||$118||$1,026||$86|
|Wrangler Unlimited Sport 4WD 4-Dr||$218||$236||$490||$30||$146||$1,120||$93|
|Wrangler Sahara 4WD 2-Dr||$218||$302||$392||$24||$118||$1,054||$88|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$218||$236||$490||$30||$146||$1,120||$93|
|Wrangler Unlimited Sahara 2WD 4-Dr||$218||$236||$490||$30||$146||$1,120||$93|
|Wrangler Rubicon 4WD 2-Dr||$218||$302||$392||$24||$118||$1,054||$88|
|Wrangler Unlimited Sahara 4WD 4-Dr||$218||$302||$490||$30||$146||$1,186||$99|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$246||$302||$490||$30||$146||$1,214||$101|
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in garaging location in Austin which can lower or raise coverage rates greatly.
Selecting a highly-rated car insurance company can be difficult considering how many different companies there are to choose from in Texas. The ranking data in the lists below can help you pick which insurers you want to consider shopping your coverage with. The rankings below are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies that have a smaller presence are not taken into consideration for these rankings.
Top 10 Large Auto Insurance Companies in Austin Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Top 10 Large Auto Insurance Companies in Austin Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
Careless driving habits raise auto insurance rates
The ideal way to enjoy affordable auto insurance prices in Texas for a Wrangler is to be a careful driver and avoid accidents and violations. The illustration below demonstrates how speeding tickets and fender-benders influence yearly insurance costs for each different age group. The price estimates are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.
In the chart above, the average cost of auto insurance in Austin per year with no accidents and a clean driving record is $1,491. Add in one speeding ticket and the average cost jumps to $1,748, an increase of $257 each year. Now get two accidents along with the one speeding ticket and the yearly cost of auto insurance for a Jeep Wrangler increases to an average of $4,315. That's an increase of $2,824, or $235 per month, just for not maintaining a clean driving record!
Get discount Austin car insurance
Insurance providers that provide coverage for a Jeep Wrangler may also offer special discounts that can reduce rates by 40% or more if you meet specific criteria. A list of auto insurance companies and their possible discounts are included below.
- Farmers Insurance includes discounts for early shopping, business and professional, bundle discounts, homeowner, and switch companies.
- Esurance may include discounts for good student, DriveSense, homeowner, paid-in-full, online quote, good driver, and anti-lock brakes.
- State Farm policyholders can earn discounts including good driver, good student, safe vehicle, Drive Safe & Save, anti-theft, and accident-free.
- GEICO has savings for multi-vehicle, five-year accident-free, seat belt use, military active duty, and emergency military deployment.
- Allstate discounts include good payer, anti-theft, 55 and retired, good student, eSmart discount, and safe driver.
The example below illustrates the comparison of auto insurance rates with and without some available policy discounts. The rate quotes are based on a female driver, no violations or accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with marriage, multiple vehicle, claim-free, defensive driving course, safe-driver, and anti-theft discounts applied. In this example, theaverage yearly reduction on auto insurance for a Jeep Wrangler is 28% or $521.
Cost of full coverage
Saving on auto insurance is important to the majority of vehicle owners, and a good way to lower the cost of insurance for a Jeep Wrangler is to buy liability only. The diagram below visualizes the comparison of yearly insurance costs with full coverage and liability only. The costs are based on no claims or violations, $250 deductibles, drivers are not married, and no policy discounts are applied.
If we average all the age groups together, full coverage costs $2,206 per year more than just buying liability only. That brings up the question if it's worth it to buy full coverage. There is no definitive formula for dropping comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let's pretend your vehicle's claim settlement value is $10,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $9,000 after you pay the deductible. If it's costing you more than $900 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.