Buying affordable auto insurance for a Jeep Wrangler hinges on a lot of rating factors such as your marital status, your address, and driving citations. Drivers pay on average $827 annually for Wrangler insurance, but that price is an estimation using a 50-year-old single male driver with both comprehensive and collision coverage and $500 deductibles.
Odds are that you’re not a 50-year-old male, possibly married instead of single, or maybe you’re a renter instead of a homeowner. This shows why the only real way to find the most affordable coverage for your Jeep is to compare as many rates as you can. Quotes are always free and you will receive rate quotes from some of the best companies that insure Jeep vehicles in Washington.
The specific model of Wrangler will influence the annual cost of coverage, so the cost to insure a Wrangler Sport 4WD 2-Dr trim level will be $208 less than the price to insure the more costly Wrangler Unlimited Rubicon 4WD 4-Dr version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $138 | $206 | $334 | $20 | $100 | $798 | $67 |
| Wrangler Unlimited Sport 2WD 4-Dr | $138 | $206 | $416 | $24 | $124 | $908 | $76 |
| Wrangler Sport Islander Package 4WD 2-Dr | $138 | $262 | $334 | $20 | $100 | $854 | $71 |
| Wrangler Unlimited Sport 4WD 4-Dr | $160 | $206 | $416 | $24 | $124 | $930 | $78 |
| Wrangler Sahara 4WD 2-Dr | $160 | $262 | $334 | $20 | $100 | $876 | $73 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $160 | $206 | $416 | $24 | $124 | $930 | $78 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $160 | $206 | $416 | $24 | $124 | $930 | $78 |
| Wrangler Rubicon 4WD 2-Dr | $160 | $262 | $334 | $20 | $100 | $876 | $73 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $160 | $262 | $416 | $24 | $124 | $986 | $82 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $180 | $262 | $416 | $24 | $124 | $1,006 | $84 |
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Prices do not factor in your specific Seattle location which can revise prices considerably.
Washington insurance company ratings
Buying coverage from a high-quality car insurance provider can be difficult considering how many choices drivers have in Washington. The company rank data listed below could help you choose which car insurance providers to look at purchasing from. The ratings below only include insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in Washington or surrounding areas are not factored into the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
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Data Source: Insure.com Best Car Insurance Companies
Rate difference between full and liability-only coverage
Saving on insurance should be important to most drivers, and one of the quickest ways to find cheap insurance for a Jeep Wrangler is to not pay for full coverage. The illustration below illustrates the comparison of annual premium costs with and without physical damage coverage. The premiums assume no claims, a clean driving record, $250 deductibles, single marital status, and no discounts are factored in.
If we average the cost for all age groups, physical damage coverage on your policy costs an extra $1,754 per year more than insuring for liability only. That proposes the question when is it a good idea to stop buying full coverage. There is no clear-cut rule of when to exclude physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let’s say your vehicle’s replacement cost is $5,500 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $4,500 after you pay the deductible. If you are paying more than $450 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.
Why are you paying too much for Wrangler insurance?
Seattle, WA insurance rates are determined by lots of factors that may substantially change the price you have to pay for coverage. Turning one year older, becoming a homeowner, or getting a couple of tickets may cause policy rate changes that may make certain companies cheaper than others. In addition to those changes, auto insurance companies change their prices as often as every three months to adjust for unexpected claims or profits. An unexpected high level of claims can cause higher priced premiums, while lower claim expenses can result in cheaper Wrangler insurance rates.
The graph below shows rates for the cheapest car insurance in Seattle, WA for a 40-year-old male driver with a good driving record, no prior claims, and good financial standing. If we compare prices based on his current risk factors, Capital may have the lowest car insurance rates in Seattle at $1,073 annually. This is $339 less than the average policy premium paid by Washington drivers of $1,412. Grange, PEMCO, Nationwide, and Travelers are also included in the cheapest Seattle, WA auto insurance companies.
The next chart shows rates after we give the driver in the first example a couple of claims, less-than-perfect credit, and a few blemishes on his driving record. Since every car insurance company has a proprietary method to set policy rates, analyzing rates may now present a new list of companies as shown below.
The Hartford now has the cheapest car insurance in Seattle, WA with USAA, California Casualty, Grange, and Chubb completing the list. This example demonstrates why Seattle drivers need to do a thorough rate comparison when trying to get the most affordable car insurance rates for a Jeep Wrangler.
Rates are impacted by many things and change dramatically, so the most affordable company when you bought your policy may now not even be in the top five.
If you aren’t clear which coverage you need and would like to get some help when shopping for cheaper insurance for a Wrangler, the agents shown below can probably provide answers to your questions and help you determine which car insurance company is the best fit.
To locate an agency close to you, click the link after the list.
- Dave Newman – State Farm Insurance Agent
3435 California Ave SW – Seattle, WA 98116 – (206) 932-1878 - Ezra Teshome – State Farm Insurance Agent
1510 14th Ave – Seattle, WA 98122 – (206) 322-3910 - Greg Nunn – State Farm Insurance Agent
200 Roy St #102 – Seattle, WA 98109 – (206) 284-9700 - George Fu – State Farm Insurance Agent
9026 Roosevelt Way NE – Seattle, WA 98115 – (206) 524-0330
View map of Seattle, WA insurance agents
How to find low-cost car insurance for a Jeep Wrangler
The list below shows some of the better penny-pinching suggestions that can help Seattle drivers quote more affordable auto insurance.
- Drivers with good credit ratings often pay less
- Remove physical damage coverage on older vehicles
- Buy a vehicle with excellent safety ratings
- Multi-policy discounts save money
- Drive attentively and avoid accidents
- Compare rates regularly and switch companies to save money
That final tip is certainly critical, as was stressed in this write-up. Coverage rates adjust often, so you should be ready to buy a policy from a new company if a lower-cost policy is available. Many drivers have brand loyalty and that’s fine, but it’s not a good idea if that faithfulness ends up costing you money that could be spent on other things. If you have a few minutes, now is a great time to compare rates to find cheaper insurance for a Jeep Wrangler in Seattle.