Finding cheap auto insurance for a Jeep Wrangler can be really easy, but it hinges on a whole bunch of factors such as your gender, the condition of your credit, and any prior driving offenses. Drivers pay approximately $848 annually to insure their Wrangler, but that figure is an estimation calculated based on a 30-year-old single female driver with full coverage and $250 deductibles.
When estimating a car insurance rate like we just did, the issue is that you aren’t exactly 30 years old or even a female, possibly married instead of single, or maybe you just want different deductibles. Having even a minor difference in rating variables or coverage information may result in significant differences in the amount insurance costs for a Jeep Wrangler.
Everyone has unique insurance needs, and this illustrates why the way we recommend to find cheap insurance rates for your Jeep is to do a thorough rate comparison.
Cheapest Jeep Wrangler Insurance Rates
Your vehicle’s trim level impacts the coverage cost, so the price you will pay to insure a Wrangler Sport 4WD 2-Dr will be $216 cheaper than the insurance cost for the more costly Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$170||$234||$306||$18||$92||$820||$68|
|Wrangler Unlimited Sport 2WD 4-Dr||$170||$234||$382||$22||$114||$922||$77|
|Wrangler Sport Islander Package 4WD 2-Dr||$170||$298||$306||$18||$92||$884||$74|
|Wrangler Unlimited Sport 4WD 4-Dr||$194||$234||$382||$22||$114||$946||$79|
|Wrangler Sahara 4WD 2-Dr||$194||$298||$306||$18||$92||$908||$76|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$194||$234||$382||$22||$114||$946||$79|
|Wrangler Unlimited Sahara 2WD 4-Dr||$194||$234||$382||$22||$114||$946||$79|
|Wrangler Rubicon 4WD 2-Dr||$194||$298||$306||$18||$92||$908||$76|
|Wrangler Unlimited Sahara 4WD 4-Dr||$194||$298||$382||$22||$114||$1,010||$84|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$220||$298||$382||$22||$114||$1,036||$86|
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Price estimates do not factor in garaging location in Columbus which can alter coverage rates significantly.
Selecting the right company is difficult considering how many companies there are in Ohio. The company rank data below can help you pick which auto insurance companies to look at buying from.
The ratings below include the largest companies in the United States, so smaller companies are not factored into the list. To compare rates from these and other top-rated companies, follow this link.
Top 10 Large Car Insurance Companies Overall in Columbus
- 21st Century
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- American Family
Drive safe and save
The easiest method to snag the most affordable auto insurance premiums in Columbus for a Wrangler is to be a safe driver and avoid at-fault accidents and violations. The diagram below highlights how traffic violations and fender-benders raise insurance costs for different categories of driver ages. The costs are based on a single female driver, full coverage, $100 deductibles, and no policy discounts are applied.
The data above shows the average cost of auto insurance in Ohio per year with no accidents and a clean driving record is $1,411. Get two speeding tickets and the average cost hikes up to $1,879, an increase of $468 each year. Then add in one accident along with the two speeding tickets and the yearly cost of auto insurance for a Jeep Wrangler increases to an average of $2,339. That’s an increase of $927, or $77 per month, just for being a careless driver!
Your cheap Wrangler insurance may actually be overpriced
Columbus auto insurance rates are impacted by many factors which can substantially decrease or increase the price you have to pay. Simply turning a year older, becoming a homeowner, or getting a couple of tickets may generate price changes that can now make some companies cheaper than before. In addition, insurance companies change rates as needed in order to be able to pay unexpected claims. Heavy losses can result in more expensive prices, while profitable underwriting can cause lower-cost Wrangler insurance rates.
As an example, the data below shows the cheapest car insurance in Columbus, OH for a 30-year-old male driver with a clean driving record, no accidents, and good financial standing. When quoting prices based on his personal risk profile, Utica National might quote the best car insurance rates in Columbus at $793 a year. This is $247 less than the average rate paid by Ohio drivers of $1,040. Erie, Frankenmuth, Allied, and Travelers are the remaining cheapest Columbus, OH auto insurance companies.
The chart below compares rates after we give the driver from the first rate comparison some claims, poor credit, and a traffic ticket or two. Because every insurance company has a proprietary method to set policy rates, analyzing rate quotes may now present a significantly different list of the cheapest Columbus car insurance companies as shown below.
Merchants Insurance Group now has the lowest price in Columbus, OH with Cincinnati Insurance, Motorists Mutual, Grange Mutual, and General Casualty also being competitive. This example shows why Ohio drivers need to compare as many rates as possible when trying to get the cheapest insurance rates for a Jeep Wrangler. Rates can be altered by many factors and can decrease or increase without notice, so the cheapest option the last time you checked may now be one of the higher cost companies.