Finding competitive auto insurance for a Jeep Wrangler in California hinges on a lot of things such as your marital status, where you live, and driving violations and tickets. Drivers in California will pay around $1,223 each year to insure their Wrangler, but that figure is an approximation calculated based on a 50-year-old single female driver with full physical damage coverage and $500 deductibles.
There’s a high likelihood you are not 50 and maybe not even a female, maybe you are married instead of single, or you just want cheap liability insurance instead of full coverage. Even a minor difference in the factors used in pricing a policy may result in a big change in the price of a policy.
Each driver’s needs are different, and that demonstrates why the best method for finding cheap auto insurance rates for your Jeep is to compare as many rates as you can.
Vehicle trim level tends to have a direct effect on the coverage cost, so the cost to insure a Wrangler Sport 4WD 2-Dr model will be $310 cheaper than the insurance cost for the more costly Wrangler Unlimited Rubicon 4WD 4-Dr version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$208||$292||$500||$30||$150||$1,180||$98|
|Wrangler Unlimited Sport 2WD 4-Dr||$208||$292||$624||$36||$186||$1,346||$112|
|Wrangler Sport Islander Package 4WD 2-Dr||$208||$374||$500||$30||$150||$1,262||$105|
|Wrangler Unlimited Sport 4WD 4-Dr||$238||$292||$624||$36||$186||$1,376||$115|
|Wrangler Sahara 4WD 2-Dr||$238||$374||$500||$30||$150||$1,292||$108|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$238||$292||$624||$36||$186||$1,376||$115|
|Wrangler Unlimited Sahara 2WD 4-Dr||$238||$292||$624||$36||$186||$1,376||$115|
|Wrangler Rubicon 4WD 2-Dr||$238||$374||$500||$30||$150||$1,292||$108|
|Wrangler Unlimited Sahara 4WD 4-Dr||$238||$374||$624||$36||$186||$1,458||$122|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$270||$374||$624||$36||$186||$1,490||$124|
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Estimates do not factor in vehicle garaging location which can change prices noticeably.
Buying coverage from the highest-rated car insurance company can be challenging considering how many companies provide coverage in California. The company information shown below may help you analyze which insurers to look at to insure your vehicles. These ratings include the largest auto insurers in America, so companies that only write business in California or surrounding areas are not factored into these rankings.
Top 10 Large Car Insurance Companies in Fresno Ranked by Customer Service
- AAA of Southern California
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Top 10 Large Car Insurance Companies in Fresno Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
The information below shows how different deductible levels can impact insurance costs when quoting cheap insurance for a Jeep Wrangler. The prices are based on a married female driver, full physical damage coverage, and no policy discounts are applied.
The data above shows that a 30-year-old driver could cut expenses by $312 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $474 by changing to a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could roll back prices $670 every year by choosing a larger deductible amount.
If you do raise deductibles, it is essential to have additional funds squirreled away to allow you to pay the extra out-of-pocket expense associated with higher deductibles.
Does full coverage make sense?
Saving on auto insurance is probably important to most drivers, and one great way to pay less for insurance for a Jeep Wrangler is to not insure for full coverage. The chart below visualizes the comparison of insurance prices when comparing full coverage to liability only. The data assumes no tickets, no at-fault accidents, $1,000 deductibles, single marital status, and no other discounts are factored in.
If averaged for all ages, comprehensive and collision coverage on your policy costs an extra $2,376 per year more than just insuring for liability. That proposes the question when is the right time to remove full coverage. There is no clear-cut rule of when to exclude full coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.
There are some cases where eliminating full coverage is not financially feasible. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage in place.
Discount Fresno auto insurance rates
Auto insurance companies that provide coverage for a Jeep Wrangler may have premium discounts that can lower rates by as much as 30% if you qualify for them. A list of companies and some of the discounts are included below.
- 21st Century offers discounts for driver training, automatic seat belts, good student, defensive driver, air bags, and 55 and older.
- State Farm has discounts for good driver, defensive driving training, passive restraint, Steer Clear safe driver discount, good student, and accident-free.
- AAA may have discounts that include multi-car, AAA membership discount, good student, anti-theft, good driver, and multi-policy.
- Liberty Mutual offers premium reductions for hybrid vehicle, preferred payment discount, multi-policy, newly retired, and safety features.
- Progressive has savings for online signing, homeowner, good student, multi-policy, online quote discount, and continuous coverage.
The chart below compares car insurance costs with and without discounts applied to the policy premium. The costs are based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with anti-theft, claim-free, marriage, multiple vehicle, vehicle safety, and accident-free discounts applied. With discounts applied, the average amount saved each year on auto insurance for a Jeep Wrangler is 28% or $710.