Buying competitive auto insurance for a Jeep Wrangler is pretty easy to do, but it depends on a pretty complex algorithm that uses a lot of factors such as your age, whether or not you have filed claims in the past, and the level of deductible you choose. Drivers pay around $898 annually for Wrangler insurance, but that price is an approximation based on a 30-year-old single male driver with full physical damage coverage and $500 deductibles.
It’s more than likely you are not 30 years old and maybe not even male, possibly married instead of single, and maybe you have sub-par credit that needs to be factored in. Auto insurance is not the same for everyone, so the best method for finding the cheapest coverage for your Jeep is to do a thorough rate comparison.
The specific model of Wrangler will likely have an effect on the annual cost of coverage, so the price you will be charged to insure a Wrangler Sport 4WD 2-Dr will be $228 cheaper than the cost 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 | $176 | $190 | $368 | $22 | $110 | $866 | $72 |
| Wrangler Unlimited Sport 2WD 4-Dr | $176 | $190 | $460 | $28 | $138 | $992 | $83 |
| Wrangler Sport Islander Package 4WD 2-Dr | $176 | $242 | $368 | $22 | $110 | $918 | $77 |
| Wrangler Unlimited Sport 4WD 4-Dr | $202 | $190 | $460 | $28 | $138 | $1,018 | $85 |
| Wrangler Sahara 4WD 2-Dr | $202 | $242 | $368 | $22 | $110 | $944 | $79 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $202 | $190 | $460 | $28 | $138 | $1,018 | $85 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $202 | $190 | $460 | $28 | $138 | $1,018 | $85 |
| Wrangler Rubicon 4WD 2-Dr | $202 | $242 | $368 | $22 | $110 | $944 | $79 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $202 | $242 | $460 | $28 | $138 | $1,070 | $89 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $226 | $242 | $460 | $28 | $138 | $1,094 | $91 |
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Information does not factor in specific Indianapolis garaging location which can raise or lower prices substantially.
Locating reasonably-priced insurance is difficult, and finding out which companies have the cheapest auto insurance rates for a Jeep Wrangler may require additional perseverance. Each insurance company has their own unique process for setting rates, so let’s take a look at the auto insurance companies with the overall best prices in Indianapolis, IN.
It’s important to understand that Indianapolis, IN auto insurance rates are based on many factors that will increase or decrease the policy premium. That is why it is important to do a thorough rate comparison to find cheap auto insurance quotes for a Jeep Wrangler. Insurance rates are calculated by many things and change frequently, so the most economical option three years ago may now be one of the more expensive options.
Find the Cheapest Car Insurance for Your Jeep
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $620 |
| 2 | Cincinnati Insurance | $664 |
| 3 | USAA | $687 |
| 4 | Erie | $733 |
| 5 | The Hartford | $863 |
| 6 | Western Reserve | $864 |
| 7 | Indiana Farmers Mutual | $867 |
| 8 | Auto-Owners | $879 |
| 9 | Nationwide | $940 |
| 10 | Utica National | $985 |
| 11 | Motorists Mutual | $996 |
| 12 | State Farm | $997 |
| 13 | Safeco | $1,003 |
| 14 | Hastings Mutual | $1,013 |
| 15 | Westfield | $1,061 |
| 16 | Farmers | $1,064 |
| 17 | Wolverine Mutual | $1,094 |
| 18 | State Auto | $1,098 |
| 19 | Progressive | $1,106 |
| 20 | GEICO | $1,122 |
| Compare Rates Now Go | ||
Travelers may offer some of the lowest car insurance rates in Indianapolis at around $620 each year. This is $620 less than the average rate paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and The Hartford also rank well as some of the more affordable Indianapolis, IN car insurance companies.
As shown above, if you are a policyholder with The Hartford and switched to Cincinnati Insurance, you might see yearly savings of roughly $199. Indiana drivers with Western Reserve could save as much as $200 a year, and Indiana Farmers Mutual customers might reduce prices by as much as $203 a year.
Remember that these premiums are averaged across all types of drivers and the different vehicles they drive and do not take into consideration a specific vehicle garaging location for a Jeep Wrangler. So the company that can offer you the lowest price may not even be in the top 36 companies in the list above. That underscores the importance of why you need to get rate quotes from many companies using your own specific driver and vehicle information.
The example below demonstrates how deductibles can impact insurance premiums when trying to find cheap insurance for a Jeep Wrangler. The prices are based on a married female driver, full physical damage coverage, and no other discounts are factored in.
A 40-year-old driver could save $172 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $262 by using a $1,000 deductible. Young drivers, such as the Age 20 example, could possibly save as much as $424 or more just by using higher deductibles.
If you do raise deductibles, it’s a good idea to have enough spare savings to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Safe drivers Indianapolis pay cheaper rates
The best way to snag good auto insurance prices for a Wrangler is to be a careful driver and avoid traffic citations and accidents. The diagram below shows how violations and fender-benders drive up insurance costs for each age group. The rates are based on a single male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
In the prior example, the average cost of car insurance in Indianapolis per year with no accidents or violations is $1,572. Get two speeding tickets and the average cost surges to $2,063, an increase of $491 each year. Now get one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Jeep Wrangler goes up to an average of $2,548. That’s an increase of $976, or $81 per month, just for not driving attentively!
How to find cheaper car insurance for a Jeep Wrangler
Below you’ll find some of the better penny-pinching ideas that can help Indianapolis drivers buy lower-cost coverage.
- Try to not file small claims
- Multi-policy discounts save money
- Violations like speeding or DUI increase rates
- Accidents can significantly increase rates
- Increase your credit score
- Increase the comprehensive and collision deductibles on your policy
- Compare rates regularly to ensure the best deal
The final tip is highly significant, as was affirmed in this article. Rates in Indianapolis change frequently, so don’t be tentative to change insurance companies if a better deal can be had.
Brand loyalty is not necessarily bad, but it’s not recommended if that devotion results in you overpaying a lot of money every month. Now is a great time to compare rates and find cheaper auto insurance for a Jeep Wrangler.
If you would rather get some help when shopping for cheaper insurance for a Jeep Wrangler, the agencies below can probably help you determine which insurance coverage will be best for you.
To locate an agency in your neighborhood, click the button following the list.
- A-1 Insurance Agency
2929 E 96th St Suite A. – Indianapolis, IN 46240 – (317) 844-3049 - Dalessandro Agency Inc – Titan Insurance
4918 S Emerson Ave – Indianapolis, IN 46203 – (317) 780-2500 - Frances Johnson – State Farm Insurance Agent
5707 N Michigan Rd – Indianapolis, IN 46228 – (317) 257-3504