Buying competitive car insurance for a Jeep Wrangler is normally pretty easy, but it hinges on a complicated rating formula that uses factors such as whether you use your Wrangler for business use, your geographic location, and your motor vehicle report. California drivers pay on average $934 each year to insure their Wrangler, but that cost is an estimation calculated using a 50-year-old married female driver with full coverage and $1,000 deductibles.
But there is a good chance that you aren’t exactly 50 years old or even a female, single instead of married, or maybe you rent instead of own your home. Even a slight difference in rating variables can make a large difference in the cost of a policy.
There is no perfect policy for every driver, so the way we recommend to find the most affordable coverage for your Jeep is to do the rate comparisons yourself.
Vehicle trim level impacts the cost of coverage, so the price you will be charged to insure a Wrangler Sport 4WD 2-Dr will be $236 cheaper than the insurance cost for 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||$142||$194||$416||$24||$124||$900||$75|
|Wrangler Unlimited Sport 2WD 4-Dr||$142||$194||$520||$30||$156||$1,042||$87|
|Wrangler Sport Islander Package 4WD 2-Dr||$142||$246||$416||$24||$124||$952||$79|
|Wrangler Unlimited Sport 4WD 4-Dr||$162||$194||$520||$30||$156||$1,062||$89|
|Wrangler Sahara 4WD 2-Dr||$162||$246||$416||$24||$124||$972||$81|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$162||$194||$520||$30||$156||$1,062||$89|
|Wrangler Unlimited Sahara 2WD 4-Dr||$162||$194||$520||$30||$156||$1,062||$89|
|Wrangler Rubicon 4WD 2-Dr||$162||$246||$416||$24||$124||$972||$81|
|Wrangler Unlimited Sahara 4WD 4-Dr||$162||$246||$520||$30||$156||$1,114||$93|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$184||$246||$520||$30||$156||$1,136||$95|
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Price information does not factor in specific location which can raise or lower rates significantly.
Buying coverage from a highly-rated insurance company can be difficult considering how many companies there are in Irvine. The rank data below can help you choose which auto insurers you want to consider when shopping car insurance rates for a Jeep Wrangler.
These ratings only include companies with a nationwide focus, so companies that have a smaller presence will not be included in these rankings. To check rates from many more California auto insurance companies, follow this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
The diagram below demonstrates how deductible levels can change annual premium costs when trying to find cheap insurance for a Jeep Wrangler. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.
The chart above illustrates that a 50-year-old driver could reduce rates by $320 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $488 by using a $1,000 deductible. Young drivers, like the Age 20 chart data, could shave $1,020 each year by using a higher deductible.
When raising deductibles, it is important to have enough in a savings account to satisfy the extra out-of-pocket expense, which deters some people from using high deductibles.
Shop around and save
Irvine insurance rates are influenced by many factors that will increase or decrease the price you pay. Improving your credit rating, increasing liability limits, or having a fender bender may prompt premium changes that may make certain companies more affordable than the competition.
In addition to those changes, insurers file new California car insurance rates as needed in order to be able to pay unexpected claims. A period of higher than normal claims may cause additional premium costs, while profitable underwriting may result in cheaper Wrangler insurance rates.
For example, the chart below shows the companies that have the cheapest car insurance in Irvine, CA for a 35-year-old female driver with no violations or accidents, and excellent credit. Based on her personal risk profile, USAA quotes the most affordable car insurance rates in Irvine at $1,154 per year. This is $497 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National round out the rest of the best Irvine, CA auto insurance companies.
Now we will pretend the driver from above an accident claim, a lower credit score, and a speeding ticket. Since each auto insurance company has a different formula to determine rates, getting updated rate quotes could now result in a new list of companies as shown below.
Grange now has the best insurance rate in Irvine with Mercury, Allied, Progressive, and Allstate now being in the top five. This demonstrates why Irvine drivers need to compare many different companies to get the most economical auto insurance quotes for a Jeep Wrangler. Auto insurance prices can be altered by many factors and change substantially, so the best company two years ago may now be costing you a lot of money.
How to find more affordable insurance for a Jeep Wrangler
It is possible to find better rates, and here are many money-saving ideas that can help you find low-cost coverage.
- Get cheaper liability coverage by choosing a safer vehicle
- Save money by insuring your home and auto with the same company
- Do not file small claims
- Do not get into accidents
- Drive safely
- Do not insure for full coverage
- Ensure you have the best deal by shopping around regularly
The last tip in the list is particularly valuable, as was affirmed in the prior article. Insurance rates in Irvine vary greatly, so don’t be unwilling to switch to a new company if a lower-cost policy is available.
Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if it’s costing you a wad of cash every year. It takes less than five minutes to shop around and find cheaper insurance for a Jeep Wrangler.
The agencies below are a good start to help you determine which policy fits your needs best, since many people would rather have some professional guidance when trying to find the best insurance rates for a Wrangler. It can be complicated to find the best coverage on your own, so agents can provide you peace of mind knowing your policy gives you adequate coverage if you have an accident or claim.
To locate an Irvine insurance agent close to where you live, click the button at the bottom.
- Rich Stevens – State Farm Insurance Agent
4482 Barranca Pkwy #224 – Irvine, CA 92604 – (949) 552-6601
- Hodge and Hodge Insurance Inc
10 Hughes # 205 – Irvine, CA 92618 – (949) 458-0442
- Gardner Insurance Orange County
4952 Warner Ave – Huntington Beach, CA 92649 – (714) 846-4231