Finding economical auto insurance for a Jeep Wrangler is normally pretty easy, but it hinges on a fairly complex equation with a lot of factors such as driver age, your residence address, and your motor vehicle report. Drivers will pay on average $1,173 each year to insure their Wrangler, but that is based on a 40-year-old married female driver with both comprehensive and collision coverage and $500 deductibles.
The problem with using this number is the good chance you are not 40 years old and maybe not even female, single instead of married, and you want different coverage limits than the example. Having different needs demonstrates why the only way to find the most affordable coverage for your Jeep is to do the rate comparisons yourself. Price quotes are quick and you will receive price comparisons from some of the best companies in California.
Your vehicle's trim level tends to impact the cost of coverage, so the cost to insure a Wrangler Sport 4WD 2-Dr will be $302 lower than the price to insure the more expensive Wrangler Unlimited Rubicon 4WD 4-Dr model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$208||$292||$464||$28||$138||$1,130||$94|
|Wrangler Unlimited Sport 2WD 4-Dr||$208||$292||$580||$34||$174||$1,288||$107|
|Wrangler Sport Islander Package 4WD 2-Dr||$208||$374||$464||$28||$138||$1,212||$101|
|Wrangler Unlimited Sport 4WD 4-Dr||$238||$292||$580||$34||$174||$1,318||$110|
|Wrangler Sahara 4WD 2-Dr||$238||$374||$464||$28||$138||$1,242||$104|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$238||$292||$580||$34||$174||$1,318||$110|
|Wrangler Unlimited Sahara 2WD 4-Dr||$238||$292||$580||$34||$174||$1,318||$110|
|Wrangler Rubicon 4WD 2-Dr||$238||$374||$464||$28||$138||$1,242||$104|
|Wrangler Unlimited Sahara 4WD 4-Dr||$238||$374||$580||$34||$174||$1,400||$117|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$270||$374||$580||$34||$174||$1,432||$119|
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Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Premium amounts do not factor in garaging location in Santa Ana which can raise or lower prices substantially.
Choosing a high-quality insurance company is difficult considering how many choices drivers have in Santa Ana. The rank data displayed below can help you select which coverage providers to look at when comparing rate quotes.
The rankings below include large, nationwide insurance companies, so smaller regional companies are not taken into consideration for the list. If you wish to compare prices from the most competitive companies in California, follow this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
Should you buy full coverage?
Lowering the price of insurance is the goal of most people, and one way to find cheap insurance for a Jeep Wrangler is to only buy liability insurance. The diagram below visualizes the comparison of car insurance rates with liability coverage only compared to full coverage. The information is based on no claims or violations, $100 deductibles, single status, and no discounts are taken into consideration.
If we average all the age groups together, physical damage coverage costs an extra $2,710 per year more than buying just liability insurance. That is a large expense and it proposes the question if paying for full coverage is a waste of money. There is no exact formula that is best for determining when to drop physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is more than around 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
There are some scenarios where only buying liability is not a good idea. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not drop full coverage.
Who has the cheapest Wrangler insurance?
Santa Ana, CA insurance rates are calculated based on many things which can substantially decrease or increase the cost of coverage. Simply having a birthday, adding a teenager to your policy, or having a fender bender may generate price changes that may make certain companies cheaper than competitors. Not only may your situation change, but car insurance companies modify pricing at least once a year in order to be able to pay unexpected claims. Larger than normal claims can cause additional premium costs, while profitable underwriting can result in cheaper Wrangler insurance rates.
As an example, the bar chart below shows the companies that have the cheapest car insurance in Santa Ana, CA for a 40-year-old male driver with a good driving record, no prior claims, and good credit. When comparing rates based on his current risk factors, USAA may offer the most affordable car insurance rates in Santa Ana at $1,206 a year. This is $445 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are the rest of the cheapest Santa Ana, CA auto insurance companies.
The example below compares rates after we give the driver from the first set of rates a chargeable claim, poor credit, and a traffic citation. Due to the fact that every auto insurer uses their own calculation for determining prices, analyzing rate quotes will most likely result in a different set of the cheapest Santa Ana car insurance companies as shown below.
Grange now has the best auto insurance rate in Santa Ana with Progressive, Allstate, Mercury, and GEICO also having competitive pricing. This shows why it is critical to do a thorough rate comparison when trying to get the most budget-friendly auto insurance quotes for a Jeep Wrangler. Car insurance prices are impacted by many risk factors and can change substantially, so the cheapest company six months ago may now be wasting a lot of money.
How to find low-cost auto insurance for a Jeep Wrangler
Below you'll find a few penny-pinching suggestions that can help California drivers find low-cost auto insurance.
- Raise deductibles
- Do not get traffic citations
- Buy safe vehicles
- Good credit scores may lower your rates
- Avoid accidents and claims
- Don't waste money on full coverage for older vehicles
- Ensure you have the best deal by shopping around regularly
The last suggestion is incredibly necessary, as was discussed in this piece. Insurance rates can be modified anytime, so drivers shouldn't be resistant to change to a new company if a more affordable price is available. Many drivers have brand loyalty and that's fine, but it isn't a good idea if that loyalty results in overpaying hundreds every year. Spend a few minutes and compare prices and find cheaper auto insurance for a Jeep Wrangler in Santa Ana.
If you have questions and prefer to get some guidance when shopping for cheaper insurance for a Jeep Wrangler, the professional agents shown below can provide answers to your questions and help you determine which auto insurance coverages would be the best in your situation. To find an agent using an interactive map, click the link after the list.
- Farmers Insurance Agency: Blake Robbins
3611 S Harbor Blvd #200 - Santa Ana, CA 92704 - (417) 263-1934
- Mural Insurance Agency
1202 17th St #103 - Santa Ana, CA 92701 - (714) 541-1003
- Tutton Insurance Services Inc
2913 S. Pullman St - Santa Ana, CA 92705 - (949) 261-5335
- Farmers Insurance - Daniel Canzone
2323 N Tustin Ave, Ste E-F - Santa Ana, CA 92705 - (714) 203-6033