Finding economical auto insurance for a Jeep Wrangler doesn’t take too much effort, but it is dependent upon a whole bunch of factors such as your gender, your residence address, and your choice of deductibles. Drivers will pay around $1,425 annually to insure their Wrangler, but that is a valuation calculated based on a 30-year-old single female driver with full coverage and $250 deductibles.
If we were betting, you’re not a 30-year-old female, possibly married instead of single, or maybe you have a speeding ticket or two that will increase rates. Different coverage needs are the reason why the best way to find cheap insurance prices for your Jeep is to just compare rates yourself.
The trim level of your Wrangler will influence the cost of insurance, so the price to insure a Wrangler Sport 4WD 2-Dr will cost $368 less than the insurance cost for the fancier Wrangler Unlimited Rubicon 4WD 4-Dr version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $284 | $392 | $514 | $30 | $154 | $1,374 | $115 |
| Wrangler Unlimited Sport 2WD 4-Dr | $284 | $392 | $642 | $38 | $192 | $1,548 | $129 |
| Wrangler Sport Islander Package 4WD 2-Dr | $284 | $502 | $514 | $30 | $154 | $1,484 | $124 |
| Wrangler Unlimited Sport 4WD 4-Dr | $326 | $392 | $642 | $38 | $192 | $1,590 | $133 |
| Wrangler Sahara 4WD 2-Dr | $326 | $502 | $514 | $30 | $154 | $1,526 | $127 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $326 | $392 | $642 | $38 | $192 | $1,590 | $133 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $326 | $392 | $642 | $38 | $192 | $1,590 | $133 |
| Wrangler Rubicon 4WD 2-Dr | $326 | $502 | $514 | $30 | $154 | $1,526 | $127 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $326 | $502 | $642 | $38 | $192 | $1,700 | $142 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $368 | $502 | $642 | $38 | $192 | $1,742 | $145 |
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Table data does not factor in Laredo location which can influence coverage rates considerably.
Finding the right insurance company is difficult considering how many companies sell insurance in Laredo. The information in the lists below could help you analyze which coverage providers you want to consider comparing prices from. These rankings are only comprised of companies with a national presence, so companies that only write business in Texas or surrounding areas are not included in these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
Discount Laredo insurance rates
Insurance companies that provide policies for a Jeep Wrangler may provide policy discounts that can reduce rates by 30% or more if you are eligible to receive them. A few of the larger companies and their possible discounts can be read below.
- Progressive may have discounts that include continuous coverage, online quote discount, multi-vehicle, homeowner, multi-policy, and good student.
- GEICO offers discounts for daytime running lights, anti-lock brakes, emergency military deployment, federal employee, anti-theft, and five-year accident-free.
- State Farm has discounts for accident-free, multiple policy, Steer Clear safe driver discount, good student, defensive driving training, driver’s education, and student away at school.
- Esurance offers discounts including multi-car, online shopper, defensive driver, safety device, paid-in-full, and DriveSense.
- The Hartford offers premium reductions for air bag, defensive driver, anti-theft, good student, vehicle fuel type, bundle, and driver training.
The diagram below illustrates the difference between insurance costs with and without discounts applied to the policy rates. The premiums are based on a female driver, no violations or claims, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with claim-free, marriage, homeowner, multiple vehicle, defensive driving course, and safe-driver discounts applied. When discounts are factored in, the average savings per year on auto insurance for a Jeep Wrangler is 28% or $560.
Full coverage rates compared to liability-only
Saving money on auto insurance is the goal of most drivers, and an effective way to buy cheaper insurance for a Jeep Wrangler is to only pay for liability coverage. The chart below visualizes the comparison of car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no claims or violations, $1,000 deductibles, single status, and no discounts are taken into consideration.
If the expense is averaged for all age categories, comp and collision coverage costs an extra $1,787 per year more than carrying just liability coverage. At some point, about every driver wonders if buying full coverage is a good investment. There is no written rule of when to drop full coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s assume your vehicle’s book value is $6,500 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $5,500 after the deductible is paid. If you are paying more than $550 annually for your policy with full coverage, then you might want to consider buying only liability coverage.
If you would rather have professional advice when shopping for cheaper insurance for a Wrangler, the agents shown below can answer your questions and help you decide which car insurance company is the best fit. To locate an agency close to you, click the link at the bottom.
Texas Farm Bureau Insurance – Juancarlo Rendon
507 E Expy 83 – Pharr, TX 78577 – (956) 787-8844
Farmers Insurance – Pedro Sanchez
5916 San Bernardo Ave – Laredo, TX 78041 – (956) 722-8445
Henri D Kahn Insurance
112 Del Ct – Laredo, TX 78041 – (800) 701-5909
Farmers Insurance – Ricardo Rodriguez
5411 McPherson Rd #101 – Laredo, TX 78041 – (956) 726-1906
View more Laredo, TX insurance agents
How to find economical auto insurance for a Jeep Wrangler
The list below details some of the better penny-pinching suggestions that can help you find lower-cost auto insurance.
- Good credit can save money
- Prevent rate increases by staying accident-free
- Just one traffic violation will increase your rates
- Avoid filing excessive claims
- Vehicles with good safety ratings are usually cheaper to insure
- Keep rates low by comparing prices once a year
The last item on the list is particularly critical, as was affirmed in the prior information. Auto insurance prices can change considerably in a year, so drivers shouldn’t be reluctant to buy a policy from a new company if you can save money.
Having a favorite company is fine, but it isn’t a good idea if that devotion results in you overpaying big bucks every year. In just a few minutes you could compare rates and find cheaper auto insurance for a Jeep Wrangler in Laredo.