Finding the cheapest auto insurance for a Jeep Wrangler is pretty simple for most people to do, but it depends on a lot of rating factors such as your birth date, the condition of your credit, and the deductible amount you use. Drivers in Florida will pay on average $1,365 a year to insure their Wrangler, but that amount is an approximation calculated based on a 50-year-old single female driver with both comprehensive and collision coverage and $100 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 female, you might be married instead of single, and you don’t want the same coverages and limits as the example. Even a minor difference in rating factors or requested coverage amount could result in a significant change in the cost of a policy.
Car insurance coverage is unique to each driver, so this is why the way we recommend to find the most affordable coverage for your Jeep is to do a thorough rate comparison.
The trim level of your Jeep tends to impact the coverage cost, so the price you will pay to insure a Wrangler Sport 4WD 2-Dr trim level will be $352 less than the price to insure the higher-priced Wrangler Unlimited Rubicon 4WD 4-Dr trim level, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$268||$408||$472||$28||$142||$1,318||$110|
|Wrangler Unlimited Sport 2WD 4-Dr||$268||$408||$590||$34||$176||$1,476||$123|
|Wrangler Sport Islander Package 4WD 2-Dr||$268||$522||$472||$28||$142||$1,432||$119|
|Wrangler Unlimited Sport 4WD 4-Dr||$308||$408||$590||$34||$176||$1,516||$126|
|Wrangler Sahara 4WD 2-Dr||$308||$522||$472||$28||$142||$1,472||$123|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$308||$408||$590||$34||$176||$1,516||$126|
|Wrangler Unlimited Sahara 2WD 4-Dr||$308||$408||$590||$34||$176||$1,516||$126|
|Wrangler Rubicon 4WD 2-Dr||$308||$522||$472||$28||$142||$1,472||$123|
|Wrangler Unlimited Sahara 4WD 4-Dr||$308||$522||$590||$34||$176||$1,630||$136|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$348||$522||$590||$34||$176||$1,670||$139|
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price information does not factor in Orlando location which can increase or decrease premium rates noticeably.
Buying coverage from the right car insurance provider can be rather challenging considering how many companies sell coverage in Florida. The company information in the next section may help you analyze which coverage providers to look at comparing price quotes from. The rankings below are only comprised of companies with a national presence, so companies with more of a regional focus are not taken into consideration for these rankings.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Get discounts on Orlando auto insurance
Insurance companies that offer coverage for a Jeep Wrangler may also give you policy discounts that may potentially lower prices by as much as 30% if you meet certain criteria. Companies and some of the discounts are included below.
- GEICO has savings for membership and employees, emergency military deployment, driver training, military active duty, seat belt use, good student, and daytime running lights.
- Auto-Owners Insurance includes discounts for paid in full, group or association, safe vehicle, mature driver, company car, and multi-policy.
- American Family offers premium reductions for defensive driver, early bird, multi-vehicle, TimeAway discount, and good student.
- Esurance may include discounts for defensive driver, claim free, safety device, online shopper, and anti-lock brakes.
- Progressive policyholders can earn discounts including online quote discount, homeowner, online signing, good student, multi-vehicle, continuous coverage, and multi-policy.
- State Farm discounts include student away at school, driver’s education, good student, safe vehicle, good driver, and anti-theft.
- AAA offers discounts including multi-car, education and occupation, good driver, good student, and multi-policy.
The illustration below shows the difference between insurance costs with and without discounts being applied to the rates. The price estimates are based on a female driver, no claims, a clean driving record, Florida state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with defensive driving course, accident-free, passive restraint, anti-theft, safe-driver, and multiple policy discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on insurance for a Jeep Wrangler is 28% or $485.
Irresponsible driving raises your rates
The easiest way to earn the cheapest insurance prices in Orlando for a Wrangler is to drive safely and avoid accidents and violations. The example below illustrates how traffic citations and at-fault claims can impact yearly insurance costs for each age group. The rate quotes are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.
In the previous chart, the average cost of an auto insurance policy in Florida per year with no violations or accidents is $1,817. Add in two speeding tickets and the average cost swells to $2,498, an increase of $681 each year. Next add two accidents along with the two speeding tickets and the 12-month cost of insurance for a Jeep Wrangler jumps again to an average of $5,275. That’s an increase of $3,458, or $288 per month, just for not keeping your driving record clean!
The benefits of price comparisons
Orlando, FL insurance rates are impacted by many things that may substantially change the price you have to pay. Simply getting older, having a teen driver, or getting a few speeding tickets can cause premium changes that can cause some rates to be much cheaper than others. Not only may your situation change, but insurers amend premium rates as often as every three months to ensure their profitability. Higher than normal claims may cause a rate increase, while profitable underwriting may produce cheaper Wrangler insurance rates.
For instance, the chart below shows rates for the cheapest car insurance in Orlando, FL for a 35-year-old female driver with a clean driving record, no accidents, and great credit. Based on her current risk factors, USAA might quote the most affordable car insurance rates in Orlando at $1,168 per year. This is $1,280 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Mercury are also on the list of the best Orlando, FL auto insurance companies.
The example below compares rates after we give the driver from the first example a claim surcharge, a lower credit score, and a speeding ticket. Because each company uses a different method for setting prices, analyzing rate quotes could now result in a different ranking of the cheapest Orlando car insurance companies as shown below.
USAA now has the best price on car insurance in Orlando with Allied, Esurance, State Farm, and Auto-Owners now rounding out the top five. This example proves why it is so important to perform an extensive rate comparison to get affordable auto insurance rates for a Jeep Wrangler.
Rates are calculated by many factors and can change substantially, so the cheapest rate when you last compared rates may now not even be in the top five.
How to find low-cost insurance for a Jeep Wrangler
Below you’ll find some of the better money-saving suggestions that can help Florida drivers buy cheaper coverage.
- Do not get into accidents that are your fault
- Save money by only buying liability coverage for older vehicles
- Good credit can mean cheaper rates
- Buying your home and auto policies from the same company can earn a discount
- Buy a vehicle with excellent safety ratings
- Compare prices frequently to find the best deal
That last tip is very significant, as was discussed in this write-up. Coverage prices vary considerably, so don’t be hesitant to switch carriers if you can save money.
Sticking with a specific company is fine, but it’s not recommended if that stubbornness costs you major coinage every year. Take a few minutes and shop around to find cheaper insurance for a Jeep Wrangler in Orlando.