Finding economical coverage for a Jeep Wrangler in Arizona depends on a whole bunch of rating criteria such as whether you use your Wrangler for business use, whether or not you have filed claims in the past, and your policy deductibles. Drivers in Arizona will pay around $852 a year for Wrangler insurance, but that amount is a valuation calculated using a 50-year-old married male driver with both comprehensive and collision coverage and $100 deductibles.
When making auto insurance estimates, the issue arises that you are not 50 and maybe not even a male, possibly single instead of married, or maybe you want more liability coverage than is required by law in Arizona. Just a slight change in the criteria used to calculate rates can result in a big discrepancy in the cost of insuring your Wrangler.
Insurance is an individual thing, so the only real way to find the cheapest coverage for your Jeep is to just take the time to compare rates yourself.
The specific model of Wrangler will be a contributing factor to the insurance rate, so the price you will be charged to insure a Wrangler Sport 4WD 2-Dr trim level will cost $222 less than the insurance cost for the more costly Wrangler Unlimited Rubicon 4WD 4-Dr version, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$176||$254||$288||$18||$86||$822||$69|
|Wrangler Unlimited Sport 2WD 4-Dr||$176||$254||$360||$22||$108||$920||$77|
|Wrangler Sport Islander Package 4WD 2-Dr||$176||$326||$288||$18||$86||$894||$75|
|Wrangler Unlimited Sport 4WD 4-Dr||$202||$254||$360||$22||$108||$946||$79|
|Wrangler Sahara 4WD 2-Dr||$202||$326||$288||$18||$86||$920||$77|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$202||$254||$360||$22||$108||$946||$79|
|Wrangler Unlimited Sahara 2WD 4-Dr||$202||$254||$360||$22||$108||$946||$79|
|Wrangler Rubicon 4WD 2-Dr||$202||$326||$288||$18||$86||$920||$77|
|Wrangler Unlimited Sahara 4WD 4-Dr||$202||$326||$360||$22||$108||$1,018||$85|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$228||$326||$360||$22||$108||$1,044||$87|
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium costs do not factor in vehicle location which can decrease or increase coverage prices considerably.
Comparing quotes for affordable car insurance is challenging, and finding out which companies quote the cheapest car insurance rates for a Jeep Wrangler involves even more rate comparisons. Each auto insurance company has their own unique process to determine premium rates, so let’s begin by taking a look at the most competitive car insurance companies in Arizona.
Lowest Insurance Price Quotes for Your Jeep
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,247|
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The Hartford offers some of the best car insurance rates in Mesa at around $811 a year. Auto-Owners, Safeco, USAA, and Travelers would also make the list of some of the cheaper Mesa, AZ insurance companies.
As depicted above, if you are currently insured with Safeco and switched to The Hartford, you could realize a yearly savings of in the vicinity of $121. Arizona drivers with USAA could save as much as $269 a year, and Travelers policyholders might realize rate reductions of up to $297 a year.
It’s important to note that these prices are averages for all types of insureds and vehicles and do not take into consideration a specific zip code for a Jeep Wrangler. So the company that can offer you the lowest price may not even be in the top 28 companies in the list above. That illustrates why you need to get rate quotes from many companies using your own driver information and specific vehicle type.
Responsible drivers pay cheaper car insurance rates
The obvious way to snag the best car insurance prices in Mesa for a Wrangler is to be a safe driver and not get tickets or have accidents. The diagram below shows how violations and at-fault fender-benders can increase insurance premiums for different age groups of insureds. The data is based on a single female driver, full coverage, $500 deductibles, and no discounts are taken into consideration.
The data above shows the average cost of car insurance per year with no accidents or violations is $1,608. Factor in two speeding tickets and the average cost swells to $2,133, an increase of $525 each year. Now throw in two accidents along with the two speeding tickets and the annual cost of car insurance for a Jeep Wrangler increases to an average of $4,419. That’s an increase of $2,811, or $234 per month, just for not driving attentively!
The diagram below shows how choosing a deductible can change insurance costs when searching for cheap insurance for a Jeep Wrangler. The price estimates are based on a married female driver, comp and collision included, and no other discounts are factored in.
The data above shows that a 50-year-old driver could lower their car insurance rates by $216 a year by switching from a $100 deductible up to a $500 deductible, or save $326 by switching to a $1,000 deductible. Young drivers, such as the 20-year-old example, could potentially save $530 each year by choosing larger deductibles on their policy.
If you do decide to increase your deductibles, it will now be necessary to have emergency funds available to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
What aren’t you shopping around?
Arizona car insurance rates are determined by lots of factors which can significantly increase or decrease the policy price. Getting older, buying higher coverage limits, or getting a reckless driving citation can produce rate changes that can make some companies more affordable than before.
In addition to those changes, companies change their prices as often as every three months in order to be able to pay unexpected claims. An unexpected high level of claims may cause more expensive prices, while a better claims history can result in lower-cost Wrangler insurance rates.
To illustrate this point, the graph below demonstrates which company has the cheapest car insurance in Mesa, AZ for a 45-year-old male driver with no violations or accidents, and good financial standing. Based on his current situation, The Hartford quotes the best car insurance rates in Mesa at $1,114 per year. This is $314 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the remaining top five cheapest Mesa, AZ auto insurance companies.
Now we will pretend the driver from the first example some claims, bad credit, and a few blemishes on his driving record. Since each auto insurance company uses their own method for establishing rates, getting updated rate quotes may now present a different set of the cheapest companies as shown below.
GEICO now has the cheapest auto insurance in Mesa, AZ with Ameriprise Group, CSAA, Allied, and Safeco also having competitive pricing. This illustrates why it is important to compare many different companies when trying to find the most economical car insurance rates for a Jeep Wrangler. Rates are determined by many different factors and can change without notice, so the best price the last time you checked may now cost much more than other companies.
The agents below can most likely help you make a decision which auto insurance policy would work best for you, as lots of people like to have professional advice when comparing insurance rates for a Jeep Wrangler. It’s not always simple to find coverage yourself, so getting professional guidance from a licensed agent can provide satisfaction knowing you have decent coverage if you have a claim.
To find an agent by location nearest to you, click the link after the list or click here to compare rates now.
Farmers Insurance – David Hovde
157 W Main St – Mesa, AZ 85201 – (480) 966-6209
Allstate Insurance: Michael Grizzle
1119 E University Dr – Mesa, AZ 85203 – (480) 834-1233
Cie Taylor – State Farm Insurance Agent
2801 E McKellips Rd – Mesa, AZ 85213 – (480) 830-1513
Roger Downey – State Farm Insurance Agent
2220 S Country Club Dr #100 – Mesa, AZ 85210 – (480) 892-6079
How to find budget-friendly auto insurance for a Jeep Wrangler
It’s not impossible to find cheaper rates, and here are many money-saving solutions that can help drivers locate lower-cost car insurance.
- Increase your policy deductibles
- Buy vehicles with good safety ratings
- Avoid having at-fault accidents
- Drive safely
- Good credit can save money
- Compare quotes from other companies often
That last piece of advice is remarkably necessary, as we pointed out in this write-up. Coverage prices can be changed at any time, so drivers shouldn’t hesitate to change insurance companies if you find a cheaper price. Many drivers prefer to stick with one company, but it’s not a great idea if that loyalty ends up costing a lot of money. It takes less than five minutes to shop around and find cheaper insurance for a Jeep Wrangler in Mesa.