Finding affordable auto insurance for a Jeep Wrangler in Arizona is dependent upon many different factors such as how old the vehicle is, your occupation, and citations or violations on your driving record. Drivers in Arizona will pay around $950 per year to insure their Wrangler, but that figure is a valuation based upon a 40-year-old single female driver with both comprehensive and collision coverage and $500 deductibles.
It’s more than likely you are not 40 and maybe not even a female, married instead of single, or maybe you want different physical damage deductibles. Even a slight difference in policy rating criteria or coverages can make a large difference in the cost of insurance.
Every driver’s needs are different, and that is why the best way to find the cheapest coverage for your Jeep is to do your own rate comparisons. In less than five minutes you will get price quotes from top-rated car insurance companies in Arizona.
Cheapest Jeep Wrangler Insurance Rates
The specific model of Wrangler will most likely have an effect on the insurance rate, so the rate you will pay to insure a Wrangler Sport 4WD 2-Dr will be $242 lower than the price to insure the fancier Wrangler Unlimited Rubicon 4WD 4-Dr trim level, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $158 | $228 | $390 | $24 | $116 | $916 | $76 |
| Wrangler Unlimited Sport 2WD 4-Dr | $158 | $228 | $488 | $28 | $146 | $1,048 | $87 |
| Wrangler Sport Islander Package 4WD 2-Dr | $158 | $292 | $390 | $24 | $116 | $980 | $82 |
| Wrangler Unlimited Sport 4WD 4-Dr | $180 | $228 | $488 | $28 | $146 | $1,070 | $89 |
| Wrangler Sahara 4WD 2-Dr | $180 | $292 | $390 | $24 | $116 | $1,002 | $84 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $180 | $228 | $488 | $28 | $146 | $1,070 | $89 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $180 | $228 | $488 | $28 | $146 | $1,070 | $89 |
| Wrangler Rubicon 4WD 2-Dr | $180 | $292 | $390 | $24 | $116 | $1,002 | $84 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $180 | $292 | $488 | $28 | $146 | $1,134 | $95 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $204 | $292 | $488 | $28 | $146 | $1,158 | $97 |
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in garaging location in Chandler which can affect price quotes considerably.
Buying coverage from a highly-rated auto insurance provider is hard considering how many companies there are to choose from in Arizona. The company rank data below may help you decide which car insurance companies you want to consider purchasing a policy from.
These ratings only include companies with a national presence, so companies that focus mainly on Arizona business will not be included in this list. If you’d like to compare prices from these and other companies in Arizona, simply click here.
Top 10 Major Auto Insurance Companies Overall in Chandler
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Top 10 Major Auto Insurance Companies in Chandler Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Do you need full coverage?
Saving money when shopping for car insurance is the goal of the majority of drivers, and a good way to reduce the cost of insurance for a Jeep Wrangler is to buy only liability coverage. The illustration below shows the comparison of premium costs with liability coverage only compared to full coverage. The premiums assume no claims, a clean driving record, $100 deductibles, marital status is single, and no discounts are factored in.
If we average the cost for ages 20 through 70, comprehensive and collision coverage on your policy costs an additional $1,847 per year more than carrying just liability coverage. That is a significant amount which raises the question when is the right time to remove full coverage. There is no set guideline for excluding physical damage insurance, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
Get discounts on Chandler auto insurance rates
Insurers that offer cheap quotes for a Jeep Wrangler may additionally offer special discounts that can reduce rates by as much as 35% if you are eligible to receive them. Large car insurance companies and some of the discounts are included below.
- State Farm includes discounts for defensive driving training, safe vehicle, student away at school, multiple autos, multiple policy, passive restraint, and Steer Clear safe driver discount.
- Esurance policyholders can earn discounts including good driver, multi-car, Pac-12 alumni, homeowner, and defensive driver.
- Progressive may have discounts that include continuous coverage, online quote discount, multi-policy, online signing, homeowner, and multi-vehicle.
- Liberty Mutual may include discounts for exclusive group savings, good student, new graduate, multi-policy, multi-car, preferred payment discount, and new vehicle discount.
- Auto-Owners Insurance discounts include teen driver, paid in full, student away at school, good student, group or association, and paperless.
- GEICO offers discounts including multi-vehicle, anti-lock brakes, driver training, anti-theft, seat belt use, and membership and employees.
The chart below shows the comparison of car insurance rates with and without discounts being applied to the rates. The rate quotes are based on a male driver, no accidents or driving violations, Arizona state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with anti-theft, accident-free, defensive driving course, vehicle safety, passive restraint, and multiple policy discounts applied. When discounts are applied, the average amount saved each year on car insurance for a Jeep Wrangler is 28% or $543.
How to find economical insurance for a Jeep Wrangler
The list below details some of the recommended penny-pinching suggestions that can help drivers get low-cost car insurance.
- Claim-free drivers earn discounts
- Good credit scores may make rates cheaper
- Violations and traffic tickets increase rates
- Accidents can significantly increase rates
- Safe vehicles cost less to insure
- Shop around for cheaper rates regularly
That last tip is extremely critical, as was stressed in the prior information. Car insurance rates in Chandler can change in a short period of time, so don’t be unwilling to switch carriers if you find a better deal.
Many consumers stick with the same company and that’s fine, but is isn’t recommended if that loyalty results in overpaying a lot of money. If you have a few minutes, now is a great time to compare prices and find cheaper car insurance for a Jeep Wrangler.
If you prefer to get some help when trying to find the best insurance rates for a Jeep Wrangler, the agents shown below can aid you in deciding which auto insurance policy fits you best. To locate a Chandler car insurance agency close to where you live, click the link after the list.
Lori Daniels – State Farm Insurance Agent
1969 W Ray Rd #1 – Chandler, AZ 85224 – (480) 892-4100
Roger Morsch – State Farm Insurance Agent
2450 S Arizona Ave #6 – Chandler, AZ 85286 – (480) 855-4632
Allstate Insurance: Jason Thorpe
3107 S Gilbert Rd #109 – Gilbert, AZ 85295 – (480) 732-9696