What Insurance is Cheapest for a Jeep Wrangler in Raleigh?

Finding economical auto insurance for a Jeep Wrangler is normally pretty easy, but it is dependent upon many different factors such as your marital status, your address, and any past driving violations you may have had. Drivers pay on average $842 each year to insure their Wrangler, but that is based on a 40-year-old single male driver with both comprehensive and collision coverage and $250 deductibles.

There’s a high likelihood you aren’t exactly 40 years old or even a male, maybe you are married instead of single, or maybe you have a speeding ticket that needs to be factored in. There is no one cookie-cutter policy that works for everyone, so the only way to find cheap insurance rates for your Jeep is to do a thorough rate comparison. Compare rate quotes now and you will receive price comparisons from top-rated companies around.

Compare Jeep Wrangler Insurance Rates

Your vehicle’s trim level impacts price, so the price you will pay to insure a Wrangler Sport 4WD 2-Dr trim level will be $214 cheaper than the price to insure the more well-appointed Wrangler Unlimited Rubicon 4WD 4-Dr model, as demonstrated by the prices below.

Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Estimates do not factor in your specific Raleigh location which can lower or raise coverage rates substantially.

Finding reliable, budget insurance is hard enough, and finding out which companies quote the lowest-priced car insurance rates for a Jeep Wrangler takes even more shopping around. Every insurance provider uses their own calculation for determining prices, so first let’s look at the rankings for the lowest cost car insurance companies in Raleigh.

It’s important to know that Raleigh, NC car insurance rates are calculated based on many things that control the price you pay. This price variability is why consumers need to take the time to take the time to shop around when trying to get affordable auto insurance rates for a Jeep Wrangler. Car insurance prices can be altered by many different factors and change substantially, so the lowest-price company the last time you checked may now be quite expensive.

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Progressive offers some of the lowest car insurance rates in Raleigh at around $632 annually. Utica National, GEICO, Liberty Mutual, and NC Farm Bureau would also be considered some of the best Raleigh, NC auto insurance companies.

In the rate table above, if you are a policyholder with Liberty Mutual and switched to Utica National, you may see an annual savings of roughly $66. Drivers with NC Farm Bureau might save as much as $68 a year, and Titan policyholders might lower prices by up to $75 a year.

It’s important to note that these rates are averages across all types of insureds and vehicles and do not factor in a specific vehicle garaging location for a Jeep Wrangler. So the insurer that fits your age and vehicle best may not even be in the list above. That affirms the importance of why you need to compare as many prices as possible using your own driver information and specific vehicle type.

Discount Raleigh auto insurance

Insurance companies that sell policies for a Jeep Wrangler may provide discounts that could potentially reduce rates by as much as 35% or more if you meet certain criteria. A list of car insurance companies and some of their more popular discounts are included below.

• Progressive discounts include good student, online quote discount, multi-vehicle, homeowner, online signing, and continuous coverage.
• Farmers Insurance offers discounts for pay in full, business and professional, youthful driver, early shopping, multi-car, mature driver, and alternative fuel.
• Farm Bureau has discounts for youthful driver, 55 and retired, multi-policy, driver training, and renewal discount.
• State Farm includes discounts for good student, defensive driving training, accident-free, safe vehicle, passive restraint, Steer Clear safe driver discount, and multiple policy.
• GEICO policyholders can earn discounts including good student, air bags, driver training, anti-lock brakes, seat belt use, anti-theft, and membership and employees.
• SAFECO offers premium reductions for anti-lock brakes, safe driver, teen safety rewards, multi-car, and homeowner.
• Liberty Mutual may offer discounts for safety features, multi-car, new vehicle discount, teen driver discount, newly retired, good student, and newly married.

The chart below shows the comparison of premium costs with and without policy discounts. The information is based on a male driver, a clean driving record, no claims, North Carolina state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple vehicle, marriage, homeowner, passive restraint, claim-free, and defensive driving course discounts applied. In this example, the average amount saved each year on car insurance for a Jeep Wrangler is 28% or $418.

Rate increases following a ticket or accident

In a perfect world, the ideal way to maintain affordable car insurance prices in North Carolina for a Wrangler is to drive carefully and not receive tickets or have accidents. The example below shows how violations and at-fault claims can raise auto insurance rates for each age group. The rate quotes are based on a single male driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.

The data in the chart shows the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,624. Add in two speeding tickets and the average cost jumps to $2,139, an increase of $515 each year. Then add two accidents along with the two speeding tickets and the annual cost of car insurance for a Jeep Wrangler jumps again to an average of $4,213. That’s an increase of $2,589, or $216 per month, just for not maintaining a clean driving record!

The information below demonstrates how deductible levels can influence insurance rates when getting quotes for cheap insurance for a Jeep Wrangler. The premiums assume a single male driver, comprehensive and collision coverage, and no discounts are applied.

The chart above illustrates that a 30-year-old driver could lower rates by $202 a year by increasing from a $100 deductible up to a $500 deductible, or save $310 by changing to a $1,000 deductible. Youthful drivers, like the 20-year-old category, can save as much as $574 or more by choosing a larger deductible amount. When using a larger deductible, it will be important to have emergency funds available to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

If you have questions and prefer to get some help when shopping for cheaper insurance for a Jeep Wrangler, the insurance agencies below can probably answer your questions and help you decide which coverage fits your budget. To find an agent close to you, click the button at the bottom.

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