Buying affordable coverage for a Jeep Wrangler relies on many factors such as how far you commute, the condition of your credit, and any prior driving offenses. Drivers pay around $664 a year to insure their Wrangler, but that cost is an estimate calculated using a 50-year-old married male driver with full comprehensive and collision coverage and $1,000 deductibles.
When making auto insurance estimates, the issue arises that you are not 50 years old and maybe not even male, maybe you are single instead of married, or maybe you have a speeding ticket that needs to be factored in. Just a slight change in rating variables or coverage information can make a big difference in the cost of insuring your Wrangler.
Everyone has unique insurance needs, and this illustrates why the way we recommend to find cheap car insurance rates for your Jeep is to compare as many rates as you can.
The trim level of your Wrangler will have an impact price, so the rate you pay to insure a Wrangler Sport 4WD 2-Dr trim level will be $168 less expensive the cost to insure the more costly Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$100||$138||$296||$18||$88||$640||$53|
|Wrangler Unlimited Sport 2WD 4-Dr||$100||$138||$370||$22||$110||$740||$62|
|Wrangler Sport Islander Package 4WD 2-Dr||$100||$176||$296||$18||$88||$678||$57|
|Wrangler Unlimited Sport 4WD 4-Dr||$114||$138||$370||$22||$110||$754||$63|
|Wrangler Sahara 4WD 2-Dr||$114||$176||$296||$18||$88||$692||$58|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$114||$138||$370||$22||$110||$754||$63|
|Wrangler Unlimited Sahara 2WD 4-Dr||$114||$138||$370||$22||$110||$754||$63|
|Wrangler Rubicon 4WD 2-Dr||$114||$176||$296||$18||$88||$692||$58|
|Wrangler Unlimited Sahara 4WD 4-Dr||$114||$176||$370||$22||$110||$792||$66|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$130||$176||$370||$22||$110||$808||$67|
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rate quotes do not factor in garaging location in Nevada which can change insurance rates significantly.
Establishing which companies offer the lowest-priced auto insurance rates for a Jeep Wrangler in Nevada will require more work than just picking a company at random. Each auto insurance company has a proprietary method for setting prices, so let's rank the auto insurance companies that tend to be cheaper in Nevada.
It's a good idea to be aware that Nevada auto insurance rates are based on many factors which can significantly increase or decrease the cost of having a policy. Simply having another birthday, having a teen driver, or getting a couple of tickets may generate price changes that can make some companies cheaper than others.
Best Cheap Insurance Rates for Your Jeep
|Rank||Company||Cost Per Year|
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Allied quotes some of the best car insurance rates in Nevada at around $911 a year. Travelers, Capital, Oregon Mutual, and American Family also rank well as some of the best Nevada insurance companies.
In this example, if you currently have coverage with Oregon Mutual and switched to Allied, you might realize annual savings of in the vicinity of $247. Nevada drivers with American Family might save as much as $271 a year, and Progressive customers might realize rate reductions of up to $279 a year.
To compare your rates to other Nevada insurance companies, click here to start a quote or visit any of the companies below.
Understand that those prices are averaged for all types of drivers and the different vehicles they drive and do not take into consideration a specific rate value for a Jeep Wrangler. So the auto insurance company that fits you best may not even be in the top 20 companies in the list above. That illustrates why you need to get rate quotes using your own personalized driver profile and vehicle information.
The chart below shows how choosing a deductible can influence insurance prices when getting quotes for cheap insurance for a Jeep Wrangler in Nevada. The rate quotes are based on a single female driver, full physical damage coverage, and no policy discounts are applied.
The data above shows that a 50-year-old driver could cut expenses by $218 a year by switching from a $100 deductible up to a $500 deductible, or save $332 by choosing a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could save as much as $536 each year by using a higher deductible. When increasing deductibles, it will be important to have additional savings on hand to enable you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Do you need full coverage?
Saving money when shopping for auto insurance should be important to most people, and one of the quickest ways to pay lower rates for insurance for a Jeep Wrangler in Nevada is to not buy comprehensive and collision coverage. The illustration below shows the comparison of auto insurance costs with full physical damage coverage compared to only buying liability only. The premiums assume a clean driving record, no claims, $1,000 deductibles, single status, and no discounts are applied.
If the expense is averaged for all age categories, physical damage insurance costs $1,581 per year more than just buying liability insurance. That raises the question when is the right time to remove full coverage. There is no written rule for phasing out full coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is about 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.
Why you should compare rates
Nevada auto insurance rates are calculated based on many things which can substantially decrease or increase the cost of having a policy. Simply getting older, buying a home instead of renting, or getting a reckless driving citation may generate price changes that can make some companies cheaper than competitors. Not only that, but car insurance companies amend premium rates multiple times each year to adjust for unexpected claims or profits. Heavy losses may cause price increases, while long-term profits may cause lower-priced Wrangler insurance rates.
The chart below shows a variety of companies that have the cheapest car insurance in Nevada for a 45-year-old male driver with no accidents, a clean driving record, and solid credit. Based on his current rating profile, Allied might offer the cheapest car insurance rates in Nevada at $911 a year. This is $663 less than the average rate paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and GEICO are the rest of the most affordable Nevada auto insurance companies.
The example below compares rates after we give the driver from the above example an accident claim, slightly worse credit, and a few blemishes on his driving record. Since each company has a unique formula to set their prices, analyzing rates may now present a substantially altered list of companies as shown below.
American Family now has the cheapest car insurance in Nevada with USAA, Nationwide, Safeco, and Capital also having competitive pricing. This example proves why it is crucial to compare as many rates as possible when trying to get the best car insurance rates for a Jeep Wrangler. Prices are influenced by many things and can change without notice, so the lowest-price company the last time you shopped around may now be an over-priced policy.
How to find the cheapest auto insurance for a Jeep Wrangler in Nevada
It's not impossible to find cheaper rates, and here are many penny-pinching suggestions that can help Nevada drivers get more affordable coverage.
- If possible, do not file small claims
- Buying home and auto together can help save money
- Vehicles with good safety ratings have lower liability rates
- Save money by only buying liability coverage for older vehicles
- Do not get traffic citations
- Drive attentively and avoid accidents
- Compare rate quotes often
That last tip is highly critical, as was emphasized in this write-up. Auto insurance prices change a lot, so drivers shouldn't be reluctant to switch companies if you can find a cheaper rate. Sticking with a specific company is fine, but is isn't recommended if that stubbornness costs you money that could be used for better things. Take a few minutes and compare rates to find cheaper auto insurance for a Jeep Wrangler.