Buying economical auto insurance for a Jeep Wrangler in Texas is fairly simple, but it depends on a lot of factors such as age of the driver, your address, and any prior driving offenses you have. Drivers in Texas pay around $1,248 annually to insure their Wrangler, but that cost is an estimate using a 50-year-old single female driver with both comprehensive and collision coverage and $100 deductibles.
Most likely you are not 50 and maybe not even a female, you might be married instead of single, and maybe you have sub-par credit that needs to be factored in. Just a slight change in rating criteria may result in a big change in the price of coverage.
Every driver’s needs are different, and that is why the best way to find the cheapest rates for your Jeep is to do your own rate comparisons. Quotes are always free and you will receive price comparisons from some of the most affordable companies that insure vehicles in Texas.
Your vehicle’s trim level will likely have an effect on the yearly cost, so the rate you will pay to insure a Wrangler Sport 4WD 2-Dr trim level will be $322 cheaper than the cost to insure the more expensive Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$246||$374||$430||$26||$128||$1,204||$100|
|Wrangler Unlimited Sport 2WD 4-Dr||$246||$374||$538||$32||$162||$1,352||$113|
|Wrangler Sport Islander Package 4WD 2-Dr||$246||$476||$430||$26||$128||$1,306||$109|
|Wrangler Unlimited Sport 4WD 4-Dr||$282||$374||$538||$32||$162||$1,388||$116|
|Wrangler Sahara 4WD 2-Dr||$282||$476||$430||$26||$128||$1,342||$112|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$282||$374||$538||$32||$162||$1,388||$116|
|Wrangler Unlimited Sahara 2WD 4-Dr||$282||$374||$538||$32||$162||$1,388||$116|
|Wrangler Rubicon 4WD 2-Dr||$282||$476||$430||$26||$128||$1,342||$112|
|Wrangler Unlimited Sahara 4WD 4-Dr||$282||$476||$538||$32||$162||$1,490||$124|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$318||$476||$538||$32||$162||$1,526||$127|
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price estimates do not factor in specific location information which can lower or raise insurance rates greatly.
Figuring out which company offers the most affordable auto insurance rates for a Jeep Wrangler calls for a little more sweat in order to find the lowest price quote. Every auto insurer used slightly different criteria for filing rates in each state, so let’s take a look at the lowest cost auto insurance companies in Texas.
It’s important to understand that San Antonio auto insurance rates are impacted by many things which can significantly increase or decrease the price you have to pay. Improving your credit score, moving to a new city, or getting into an accident may prompt premium changes resulting in some companies being more affordable than the competition.
Find Cheaper Auto Insurance for Your Jeep
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,211|
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Travelers normally has some of the lowest car insurance rates in San Antonio at around $1,052 a year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are also some of the cheaper San Antonio, TX auto insurance companies.
As shown in the rates above, if you currently have a policy with USAA and switched to Travelers, you may see annual savings of about $43. Drivers with Texas Farm Bureau might save as much as $159 a year, and Germania Mutual policyholders might see rate reductions of $204 a year.
To compare your rates to other Texas insurance companies, click here to get quotes or quote rates from the companies below.
Understand that those policy prices are averages across all drivers and vehicles in Texas and do not take into consideration a vehicle location for a Jeep Wrangler. So the company that can offer you the lowest price may not even be in the top 23 companies in the list above. That is why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.
The chart below shows how choosing a deductible can affect insurance costs when getting quotes for cheap insurance for a Jeep Wrangler. The premiums are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
In the chart above, a 40-year-old driver could save $326 a year by changing from a $100 deductible to a $500 deductible, or save $492 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old, could reduce their rates as much as $1,056 or even more just by choosing higher deductibles when buying full coverage.
When insureds make the decision to increase the deductibles on their policy, it is a good idea to have enough savings to offset the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Get discount San Antonio insurance
Insurance companies that offer quotes for a Jeep Wrangler may also offer discounts that could lower prices by as much as 35% or more if you meet specific eligibility requirements. A list of companies and their offered discounts are outlined below.
- Progressive offers discounts for multi-vehicle, online quote discount, good student, homeowner, continuous coverage, and online signing.
- Farmers Insurance may offer discounts for good student, early shopping, business and professional, homeowner, and multi-car.
- Farm Bureau may have discounts that include driver training, multi-policy, 55 and retired, safe driver, and youthful driver.
- State Farm has discounts for safe vehicle, good student, Steer Clear safe driver discount, accident-free, good driver, passive restraint, and student away at school.
- GEICO discounts include federal employee, membership and employees, military active duty, five-year accident-free, defensive driver, emergency military deployment, and seat belt use.
- SAFECO policyholders can earn discounts including anti-lock brakes, anti-theft, bundle discounts, homeowner, teen safety rewards, and drive less.
- Liberty Mutual includes discounts for new graduate, teen driver discount, newly married, preferred payment discount, and multi-policy.
The information below visualizes the comparison of insurance rates with and without discounts applied. The rate quotes are based on a male driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with marriage, multiple vehicle, safe-driver, vehicle safety, claim-free, and multiple policy discounts applied. When drivers take advantage of discounts, the average amount saved each year on auto insurance for a Jeep Wrangler is 28% or $632.
Are you paying too much for car insurance?
San Antonio auto insurance rates are calculated based on many things which can substantially decrease or increase the price you have to pay. Simply having a birthday, moving to a different location, or getting a speeding ticket can trigger rate changes that can cause some rates to be more affordable than before. Not only may things change on your end, but car insurance companies amend pricing multiple times each year in order to offset underwriting gains or losses. A period of higher than normal claims may cause rate increases, while profitable underwriting can produce lower-cost Wrangler insurance rates.
For instance, the bar chart below shows which companies have the cheapest car insurance in San Antonio, TX for a 45-year-old male driver with a clear driving record, no claims, and excellent credit. When comparing rates based on his personal profile, Travelers may offer the lowest car insurance rates in San Antonio at $1,170 annually. This is $734 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remaining best San Antonio, TX auto insurance companies.
In this next rate comparison, we will give the driver in the first example some claims, less-than-perfect credit, and a traffic citation. Since each insurance company uses their own method for setting rates, comparing insurance quotes may now present a significantly different list of affordable San Antonio car insurance companies as shown below.
Mercury now has the best auto insurance rate in San Antonio, TX with State Farm, Safe Auto, Nationwide, and USAA now being in the top five. This example illustrates why Texas drivers need to perform a complete rate comparison to get the lowest auto insurance rates for a Jeep Wrangler.
Insurance prices can be determined by many risk factors and can increase or decrease at any time, so the cheapest rate three years ago may now be wasting a lot of money.
Tips for buying budget-friendly auto insurance for a Jeep Wrangler
Lowering your rates is not difficult, and here are a few thrifty solutions that can help Texas drivers quote cheaper car insurance.
- Keep your driving record clean
- Too many claims can make car insurance unaffordable
- Raise comprehensive and collision coverage deductibles
- Prevent rate increases by staying accident-free
- On older vehicles, drop full coverage
- Shop around once a year for cheaper rates
The last tip in the list is certainly necessary, as we stressed in the article above. Coverage prices vary greatly, so don’t be tentative to buy from a new company if a better rate can be found. Having a favorite company is fine, but it’s not a good idea if that faithfulness ends up costing you money that could be going to better use. It takes less than five minutes to compare rates to find cheaper insurance for a Jeep Wrangler in San Antonio.
If you aren’t clear which coverage you need and would like to have the advice of a professional agent when trying to find the best insurance rates for a Wrangler, the insurance agencies listed below are willing to help you make a decision which coverage meets your needs best. To find a San Antonio insurance agent in your neighborhood, click the button below the list.
- Terry Padilla – State Farm Insurance Agent
6633 S Zarzamora – San Antonio, TX 78211 – (210) 932-3399
- State Farm: John Pitre
825 W Bitters Rd #105 – San Antonio, TX 78216 – (210) 514-1083
- Joe Trevino – State Farm Insurance Agent
4951 De Zavala Rd – San Antonio, TX 78249 – (210) 694-0866
- Gary Kennedy – State Farm Insurance Agent
3029 S WW White Rd – San Antonio, TX 78222 – (210) 337-1786