Buying the best cheap coverage for a Jeep Wrangler is dependent upon lots of different rating factors such as whether you use your Wrangler for business use, the likelihood of your vehicle being stolen, and whether or not you are a good driver. Texas drivers pay around $893 each year for Wrangler insurance, but that amount is based on a 50-year-old married female driver with full coverage and $500 deductibles.
The problem with using this number is the good chance you are not 50 and maybe not even a female, possibly single instead of married, or maybe you don’t qualify for the same discounts. Even a minor difference in rating criteria or coverage limits could end up in a significant change in the cost of insurance.
The different assumptions illustrate why the best method for finding cheap insurance prices for your Jeep is to compare rates from as many companies as possible. It’s really quite easy you will receive prices from the cheapest companies available.
Vehicle trim level tends to impact price, so the price to insure a Wrangler Sport 4WD 2-Dr will be $226 less expensive the insurance cost for the more well-appointed Wrangler Unlimited Rubicon 4WD 4-Dr version, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$160||$214||$358||$22||$108||$862||$72|
|Wrangler Unlimited Sport 2WD 4-Dr||$160||$214||$448||$26||$134||$982||$82|
|Wrangler Sport Islander Package 4WD 2-Dr||$160||$272||$358||$22||$108||$920||$77|
|Wrangler Unlimited Sport 4WD 4-Dr||$184||$214||$448||$26||$134||$1,006||$84|
|Wrangler Sahara 4WD 2-Dr||$184||$272||$358||$22||$108||$944||$79|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$184||$214||$448||$26||$134||$1,006||$84|
|Wrangler Unlimited Sahara 2WD 4-Dr||$184||$214||$448||$26||$134||$1,006||$84|
|Wrangler Rubicon 4WD 2-Dr||$184||$272||$358||$22||$108||$944||$79|
|Wrangler Unlimited Sahara 4WD 4-Dr||$184||$272||$448||$26||$134||$1,064||$89|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$208||$272||$448||$26||$134||$1,088||$91|
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price information does not factor in vehicle garaging location which can alter coverage rates considerably.
Picking the right insurance provider can be difficult considering how many companies there are to choose from in Fort Worth. The company ratings listed below can help you decide which auto insurance companies to look at when buying insurance for a Jeep Wrangler. The ratings below only include companies that insure vehicles across America, so companies that focus mainly on Texas business are not factored into this list.
Top 10 Large Auto Insurance Providers Overall in Fort Worth
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
Get discounts on Fort Worth car insurance rates
Insurance providers that offer cheap quotes for a Jeep Wrangler may also give you discounts that can lower rates by as much as 40% or more if you can meet the requirements. Popular insurance companies and their possible discounts can be found below.
- Progressive offers discounts including continuous coverage, multi-policy, online quote discount, homeowner, good student, and online signing.
- SAFECO may offer discounts for anti-lock brakes, multi-car, bundle discounts, teen safety rewards, and teen safe driver.
- American Family discounts include good driver, accident-free, mySafetyValet, TimeAway discount, defensive driver, and good student.
- MetLife policyholders can earn discounts including defensive driver, accident-free, claim-free, multi-policy, and good driver.
- GEICO offers discounts for multi-vehicle, daytime running lights, air bags, good student, defensive driver, and driver training.
- The Hartford has discounts for defensive driver, air bag, good student, anti-theft, bundle, and driver training.
The diagram below visualizes the comparison of yearly insurance costs with and without discounts applied to the policy rates. The price estimates are based on a male driver, no violations or accidents, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with homeowner, passive restraint, safe-driver, multiple vehicle, defensive driving course, and multiple policy discounts applied. When drivers qualify for the discounts, theamount saved on insurance for a Jeep Wrangler is 28% or $700.
Do you need full coverage?
Saving money on insurance is important to the majority of drivers, and one easy way to buy cheaper insurance for a Jeep Wrangler is to only pay for liability coverage. The diagram below shows the difference between car insurance costs with full coverage and liability only. The premiums assume no tickets, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are applied.
On average, comprehensive and collision coverage on your policy costs an additional $2,294 per year over and above liability coverage. Lot’s of drivers question if full coverage is worth the money. There is no specific rule to stop paying for physical damage coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
There are a few cases where eliminating full coverage is not recommended. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
Drive responsibly or pay higher rates
In a perfect world, the ideal way to earn cheap insurance prices in Fort Worth for a Wrangler is to pay attention while driving and avoid at-fault accidents and violations. The illustration below illustrates how speeding tickets and at-fault claims can influence auto insurance rates for each different age category. The costs are based on a married female driver, comp and collision included, $250 deductibles, and no discounts are factored in.
The data in the chart shows the average cost of an auto insurance policy in Fort Worth per year with no violations or accidents is $1,704. Factor in one speeding ticket and the average cost increases to $1,983, an increase of $279 each year. Now add two accidents along with the one speeding ticket and the yearly cost of insurance for a Jeep Wrangler goes up to an average of $4,446. That’s an increase of $2,743, or $229 per month, just for not being attentive to the road!