Finding cheap insurance for a Jeep Wrangler hinges on a lot of things such as how you use your vehicle, your occupation, and violations on your driving record. Texas drivers will pay on average $1,005 each year to insure their Wrangler, but that figure is an approximation calculated using a 50-year-old married male driver with full comprehensive and collision coverage and $250 deductibles.
The issue that arises when projecting rates is that it’s very likely that you are not 50 years old and maybe not even male, you might be single instead of married, and you may just want the cheapest liability coverage you can find. Auto insurance requires individual risk assessment, so the only real way to find the cheapest rates for your Jeep is to compare as many rates as possible. Price quotes are quick and you can get prices from the cheapest companies that insure Jeep vehicles in Texas.
Your Jeep’s trim level impacts price, so the cost to insure a Wrangler Sport 4WD 2-Dr will be $258 cheaper than the insurance cost for the more costly Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$200||$272||$366||$22||$110||$970||$81|
|Wrangler Unlimited Sport 2WD 4-Dr||$200||$272||$458||$28||$136||$1,094||$91|
|Wrangler Sport Islander Package 4WD 2-Dr||$200||$346||$366||$22||$110||$1,044||$87|
|Wrangler Unlimited Sport 4WD 4-Dr||$230||$272||$458||$28||$136||$1,124||$94|
|Wrangler Sahara 4WD 2-Dr||$230||$346||$366||$22||$110||$1,074||$90|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$230||$272||$458||$28||$136||$1,124||$94|
|Wrangler Unlimited Sahara 2WD 4-Dr||$230||$272||$458||$28||$136||$1,124||$94|
|Wrangler Rubicon 4WD 2-Dr||$230||$346||$366||$22||$110||$1,074||$90|
|Wrangler Unlimited Sahara 4WD 4-Dr||$230||$346||$458||$28||$136||$1,198||$100|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$260||$346||$458||$28||$136||$1,228||$102|
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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price information does not factor in Plano location which can decrease or increase price quotes significantly.
Choosing a good quality company can be challenging considering how many companies sell coverage in Plano. The information listed below can help you select which insurers to look at comparing prices from.
These ratings include large insurance companies, so companies that only write business in Texas or surrounding areas are not factored into these rankings. To get price quotes from these top insurers and more, just click here.
Top 10 Large Auto Insurers in Plano Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Insurance rate increases from tickets or accidents
The common sense way to enjoy cheap car insurance premiums in Texas for a Wrangler is to drive attentively and not get tickets or have accidents. The chart below highlights how traffic violations and at-fault collisions raise annual premium costs for different age groups. The premiums are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.
The data charted above shows the average cost of auto insurance in Texas per year with no accidents and a clean driving record is $1,491. Add in one speeding ticket and the average cost swells to $1,748, an increase of $257 each year. Then throw in two accidents along with the one speeding ticket and the yearly cost of car insurance for a Jeep Wrangler goes up to an average of $4,315. That’s an increase of $2,824, or $235 per month, just for not being attentive to the road!
Rate comparison of full coverage and liability-only
Finding the cheapest car insurance should be important to most vehicle owners, and one of the quickest ways to find cheaper insurance for a Jeep Wrangler is to buy liability only. The diagram below illustrates the difference between insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The data assumes no claims, a clean driving record, $1,000 deductibles, marital status is single, and no discounts are applied.
If we average the cost for ages 20 through 70, physical damage coverage costs $1,787 per year more than just buying liability only. That brings up the question if buying full coverage is worth the expense. There is no definitive formula of when to exclude full coverage on your policy, but there is a general school of thought. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
Get discounts on Plano insurance
Insurers that offer quotes for a Jeep Wrangler may provide price discounts that could potentially reduce rates by 35% or more if you meet the requirements. The best car insurance companies and some of the premium reductions they offer can be read below.
- State Farm policyholders can earn discounts including anti-theft, defensive driving training, multiple autos, driver’s education, Drive Safe & Save, and student away at school.
- Farmers Insurance has savings for bundle discounts, alternative fuel, business and professional, good student, teen driver, and electronic funds transfer.
- GEICO offers discounts for anti-lock brakes, military active duty, multi-vehicle, emergency military deployment, and federal employee.
- American Family offers discounts including mySafetyValet, Steer into Savings, accident-free, bundled insurance, defensive driver, good driver, and air bags.
- Nationwide may include discounts for accident-free, good student, Farm Bureau membership, anti-theft, easy pay, and business or organization.
- Progressive may offer discounts for online signing, online quote discount, multi-vehicle, homeowner, multi-policy, good student, and continuous coverage.
The illustration below shows the difference between insurance rates with and without policy discounts. The premiums assume a female driver, no violations or accidents, Texas state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with marriage, multiple policy, safe-driver, claim-free, passive restraint, and anti-theft discounts applied. When drivers qualify for the discounts, theaverage amount saved on car insurance for a Jeep Wrangler is 28% or $653.