Buying cheaper car insurance for a Jeep Wrangler depends on a complicated formula that considers factors such as your financial responsibility, what you do for a living, and your choice of physical damage deductibles. Drivers will pay on average $1,238 annually for Wrangler insurance, but that is a valuation based on a 40-year-old single male driver with full physical damage coverage and $1,000 deductibles.
But there is a high likelihood that you’re not a 40-year-old male, married instead of single, or you just want cheap liability insurance instead of full coverage. Having what appears to be a very minor change in the factors used in pricing a policy could result in a significant change in the cost of insuring your Wrangler.
Auto insurance is not the same for everyone, so the way we recommend to find affordable rates for your Jeep is to compare as many rates as possible. Get a free quote now and you will get price quotes from the best companies in Oklahoma.
The trim level of your Jeep will influence the insurance rate, so the price you will pay to insure a Wrangler Sport 4WD 2-Dr will be $316 less than the price to insure the fancier Wrangler Unlimited Rubicon 4WD 4-Dr version, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$182||$272||$542||$32||$162||$1,190||$99|
|Wrangler Unlimited Sport 2WD 4-Dr||$182||$272||$678||$40||$204||$1,376||$115|
|Wrangler Sport Islander Package 4WD 2-Dr||$182||$348||$542||$32||$162||$1,266||$106|
|Wrangler Unlimited Sport 4WD 4-Dr||$210||$272||$678||$40||$204||$1,404||$117|
|Wrangler Sahara 4WD 2-Dr||$210||$348||$542||$32||$162||$1,294||$108|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$210||$272||$678||$40||$204||$1,404||$117|
|Wrangler Unlimited Sahara 2WD 4-Dr||$210||$272||$678||$40||$204||$1,404||$117|
|Wrangler Rubicon 4WD 2-Dr||$210||$348||$542||$32||$162||$1,294||$108|
|Wrangler Unlimited Sahara 4WD 4-Dr||$210||$348||$678||$40||$204||$1,480||$123|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$236||$348||$678||$40||$204||$1,506||$126|
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Prices do not factor in specific garaging location which can influence price quotes substantially.
Ending up with the top insurance company is difficult considering how many companies are available to choose from in Oklahoma. The company information in the lists below could help you analyze which insurers you want to consider shopping prices with.
The rankings below only include major nationwide insurance companies, so smaller companies that only insure vehicles in Oklahoma will not be included in these rankings. To compare rates from these top insurers and more, just click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The information below shows how choosing a deductible can affect annual premium costs when trying to find cheap insurance for a Jeep Wrangler. Data assumes a single female driver, comprehensive and collision coverage, and no policy discounts are applied.
A 50-year-old driver could lower their policy premium by $300 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $458 by choosing a $1,000 deductible. Even younger drivers, such as the Age 20 example, could potentially save as much as $750 every year just by using higher deductibles.
If you do decide to increase your deductibles, it is essential to have additional funds squirreled away to offset the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Why you should compare rates
Oklahoma City insurance rates are calculated based on many things which can significantly increase or decrease the price you pay. Simply turning a year older, having a teenage driver, or having a fender bender can cause premium changes resulting in some rates now being cheaper than before. Additionally, insurance companies file new Oklahoma auto insurance rates as often as every three months to adjust for gains or losses. An unexpected high level of claims can cause price increases, while a better loss history can cause lower-priced Wrangler insurance rates.
To illustrate this example, the bar chart below shows which companies have the cheapest car insurance in Oklahoma City, OK for a 40-year-old female driver with a clear driving record, no claims, and good financial standing. When comparing rates based on her current situation, USAA quotes the best car insurance rates in Oklahoma City at $1,335 per year. This is $632 less than the average rate paid by Oklahoma drivers of $1,967. Oklahoma Farmers Union, GEICO, The Hartford, and Safe Auto are also on the list of the cheapest Oklahoma City, OK auto insurance companies.
Now let’s give the driver from the first example an accident claim, less-than-perfect credit, and a traffic citation. Since every car insurance company has a different process to set premium rates, analyzing rates could now result in a different set of companies as shown below.
State Farm now has the best price in Oklahoma City, OK with Oklahoma Farmers Union, Liberty Mutual, GEICO, and Travelers also being competitive. This example demonstrates why Oklahoma drivers need to spend some time comparing rates to find the most affordable insurance rates for a Jeep Wrangler. Rates can be determined by many things and can increase or decrease at any time, so the most affordable company when you bought your policy may now be costing you a lot of money.
How to find budget-friendly insurance for a Jeep Wrangler
Below you’ll find some of the recommended penny-pinching suggestions that can help Oklahoma drivers locate lower-cost coverage.
- Higher credit scores can equal lower rates
- Buy vehicles with five-star safety ratings
- Do not pay for full coverage if not needed
- Increase physical damage deductibles
- At-fault accidents can raise rates significantly
- Do not get tickets
- Compare rate quotes often
That final tip is incredibly vital, as was noted in this article. Insurance prices vary greatly, so drivers shouldn’t be reluctant to buy from a different company if a more affordable rate is found.
Staying with the same company for years is fine, but we do not recommend it if that loyalty ends up costing lots of money. Now is a great time to compare prices to find cheaper car insurance for a Jeep Wrangler in Oklahoma City.