Finding economical insurance for a Jeep Wrangler in California is fairly easy, but it depends on lots of different rating factors such as how old the Wrangler is, your credit rating, and citations or violations on your driving record. Drivers pay on average $1,365 per year to insure their Wrangler, but that is a projection based upon a 50-year-old single male driver with full comprehensive and collision coverage and $250 deductibles.
When projecting a rate like this, the problem is that you’re not a 50-year-old male, possibly married instead of single, and you want different coverage limits than the example. Even a slight difference in rating criteria could end up with a large change in the policy rate.
Insurance is an individual thing, so the only way to find the most affordable coverage for your Jeep is to put in the effort to do a thorough rate comparison. Quotes are always free and you will receive price comparisons from the cheapest companies that insure vehicles in California.
The specific trim level will influence the cost of insurance, so the rate you will pay to insure a Wrangler Sport 4WD 2-Dr will be $348 cheaper than the insurance cost for the more well-appointed Wrangler Unlimited Rubicon 4WD 4-Dr version, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $256 | $382 | $500 | $30 | $150 | $1,318 | $110 |
| Wrangler Unlimited Sport 2WD 4-Dr | $256 | $382 | $624 | $36 | $186 | $1,484 | $124 |
| Wrangler Sport Islander Package 4WD 2-Dr | $256 | $488 | $500 | $30 | $150 | $1,424 | $119 |
| Wrangler Unlimited Sport 4WD 4-Dr | $294 | $382 | $624 | $36 | $186 | $1,522 | $127 |
| Wrangler Sahara 4WD 2-Dr | $294 | $488 | $500 | $30 | $150 | $1,462 | $122 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $294 | $382 | $624 | $36 | $186 | $1,522 | $127 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $294 | $382 | $624 | $36 | $186 | $1,522 | $127 |
| Wrangler Rubicon 4WD 2-Dr | $294 | $488 | $500 | $30 | $150 | $1,462 | $122 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $294 | $488 | $624 | $36 | $186 | $1,628 | $136 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $332 | $488 | $624 | $36 | $186 | $1,666 | $139 |
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in Long Beach location which can decrease or increase prices noticeably.
Deciding which company quotes the most affordable auto insurance rates for a Jeep Wrangler may require more time in order to find coverage that fits your budget. Each insurer has their own guidelines to determine rates, so we need to take a look at the lowest cost auto insurance companies in Long Beach.
It’s a good idea to know that California auto insurance rates are impacted by many things that control the cost of coverage. Getting older, buying a different vehicle, or getting a few speeding tickets may generate price changes that can now make some companies cheaper than others.
Find Cheaper Car Insurance for Your Jeep
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,192 |
| 3 | CSAA | $1,198 |
| 4 | Century National | $1,214 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,447 |
| 8 | Progressive | $1,496 |
| 9 | Mercury | $1,533 |
| 10 | GEICO | $1,559 |
| 11 | Allstate | $1,559 |
| 12 | Allied | $1,603 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,654 |
| 15 | State Farm | $1,733 |
| 16 | Unitrin | $1,733 |
| 17 | Esurance | $1,756 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $1,946 |
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USAA may offer some of the best car insurance rates in Long Beach at around $1,109 per year. Wawanesa, CSAA, Century National, and Nationwide would also be considered some of the cheaper Long Beach, CA auto insurance companies.
As shown in the rates above, if you are a policyholder with CSAA and switched to USAA, you may see a yearly savings of about $89. Insureds with Century National could save as much as $105 a year, and Nationwide customers might lower prices by up to $141 a year.
To see how much you can save, click here to start your custom quote or visit any of the companies below.
Bear in mind that those premiums are averaged across all types of drivers and the different vehicles they drive and and are not figured with a specific vehicle garaging location for a Jeep Wrangler. So the auto insurance company that can offer you the lowest price may not even be in the top 24 companies shown above. That is why you need to get rate quotes from many companies using your own specific driver and vehicle information.
Discount Long Beach auto insurance
Insurance companies that sell policies for a Jeep Wrangler could also offer premium discounts that can lower rates by 25% or more if you are eligible. Large auto insurance companies and a partial list of their discounts include:
- Farm Bureau includes discounts for multi-policy, safe driver, good student, 55 and retired, driver training, and multi-vehicle.
- MetLife may include discounts for defensive driver, good driver, multi-policy, claim-free, accident-free, and good student.
- Progressive offers discounts including online quote discount, homeowner, online signing, good student, multi-policy, and continuous coverage.
- AAA offers premium reductions for good driver, good student, multi-policy, multi-car, anti-theft, education and occupation, and AAA membership discount.
- American Family discounts include TimeAway discount, multi-vehicle, defensive driver, good driver, air bags, mySafetyValet, and good student.
- GEICO policyholders can earn discounts including defensive driver, air bags, federal employee, membership and employees, and driver training.
- State Farm may have discounts that include multiple policy, Drive Safe & Save, defensive driving training, driver’s education, and safe vehicle.
The illustration below compares insurance premiums with and without some available policy discounts. Data assumes a male driver, no claims or violations, California state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with passive restraint, marriage, claim-free, homeowner, safe-driver, and vehicle safety discounts applied. In this example, the average savings per year on auto insurance for a Jeep Wrangler is 28% or $810.
The diagram below demonstrates how deductible levels can impact insurance rates when researching cheap insurance for a Jeep Wrangler. The data assumes a married male driver, comprehensive and collision coverage, and no discounts are factored in.
A 40-year-old driver could save $334 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $510 by using a $1,000 deductible. Even younger insureds, like the 20-year-old category, can cut as much as $1,098 or more by choosing larger deductibles on their policy.
When insureds make the decision to increase the deductibles on their policy, it will be required to have plenty of discretionary funds to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Rate comparison of full coverage and liability-only
Paying a lower price for auto insurance is probably important to the majority of drivers, and one of the fastest ways to find cheaper insurance for a Jeep Wrangler is to not buy full coverage. The diagram below shows the comparison of insurance rates with full coverage compared to only the California minimum liability coverage. The price estimates are based on no claims or driving violations, $500 deductibles, marital status is single, and no other discounts are factored in.
If we average the cost for ages 20 through 70, physical damage coverage on your policy costs $2,108 per year over and above liability only. That brings up the question if buying full coverage is worth the expense. There is no clear-cut rule that is best for determining when to drop physical damage insurance, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then it might be time to buy liability only.
There are some circumstances where dropping full coverage is not financially feasible. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.