Best Cheap Insurance Quotes for a Jeep Wrangler in Minnesota

Whether or not you can find affordable insurance for a Jeep Wrangler in Minnesota hinges on many rating factors like whether the vehicle is new, whether or not you are currently insured, and whether or not you are a good driver. Minnesota drivers on average will pay $880 per year to buy Jeep Wrangler insurance, but that price is an approximation calculated using a 40-year-old single male driver who purchased full physical damage coverage and $1,000 policy deductibles.

There is a very good chance that you aren’t exactly 40 years old or even a male, possibly married instead of single, and maybe you want different deductibles. Using even a minor difference in rating factors or requested coverage amount can generate big changes in the cost of insurance.

Every driver has different characteristics, so the best method for finding cheap insurance rates for your Jeep is to just take the time to compare rates yourself.

Start Your Free Quote

Your Jeep’s trim level impacts the cost of coverage, so the price to insure a Wrangler Sport 4WD 2-Dr model will be $224 less expensive the price to insure the high end Wrangler Unlimited Rubicon 4WD 4-Dr version, as shown by the rates below.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate information does not factor in specific zip code location which can decrease or increase price quotes significantly.

What is the best insurance company in Minnesota?

Choosing the best car insurance company can be challenging considering how many companies sell coverage in Minnesota. The company ratings in the next section can help you decide which auto insurers you want to consider when shopping around. The ratings below are only comprised of the largest companies in the United States, so companies that may only write in Minnesota are not factored into the list.

Top 10 Large Auto Insurance Companies in Minnesota Ranked by Customer Satisfaction

1. USAA – 92%
2. American Family – 88%
3. State Farm – 88%
4. Nationwide – 88%
5. 21st Century – 88%
6. The Hartford – 87%
7. Progressive – 87%
8. AAA Insurance – 87%
9. Farmers Insurance – 87%
10. Liberty Mutual – 87%

Top 10 Large Auto Insurance Companies in Minnesota Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. Liberty Mutual
5. State Farm
6. Allstate
7. Safeco Insurance
8. Travelers
9. 21st Century
10. Nationwide

Top Companies for Jeep Wrangler Insurance in Minnesota

Cost difference between full coverage and liability

Finding the best cheap insurance for a Jeep Wrangler in Minnesota is probably important to most drivers, and one of the quickest ways to save on the cost of insurance is to only buy liability coverage. The chart below illustrates the difference between auto insurance rates with full phyical damage coverage and with liability coverage only. The rates are based on no violations or accidents, $100 deductibles, drivers are not married, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 3451,1405],[‘Age 30’, 1869,769],[‘Age 40’, 1803,713],[‘Age 50’, 1647,667],[‘Age 60’, 1593,655],[‘Age 70’, 1957,877]]);var options = {title: ‘Price Comparison of Full Coverage Versus Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Wrangler in Minnesota’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If averaged out across all ages, full coverage on your policy costs an extra $2,053 per year more than just buying liability insurance. That proposes the question if it’s worth it to buy full coverage. There isn’t a written rule of when to phase out comp and collision coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s say your vehicle’s book value is $4,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $3,500 after the deductible is paid. If you are paying more than $350 annually for full coverage, then it may be the right time to buy liability only.

There are a few cases where dropping physical damage coverage is not in your best interest. If you still have a loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

Irresponsible driving raises your rates

The recommended way to score affordable insurance rates in Minnesota for a Wrangler is to be a safe driver and avoid getting tickets or having accidents. The illustration below demonstrates how traffic citations and at-fault accidents can influence insurance rates for different categories of driver ages. The premiums assume a married female driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 1919,2147,2757],[‘Age 30’, 1315,1543,2151],[‘Age 40’, 1311,1541,2147],[‘Age 50’, 1163,1389,2001],[‘Age 60’, 1103,1331,1939],[‘Age 70’, 1195,1421,2033]]);var options = {title: ‘Impact of Violations and Accidents on Minnesota Jeep Wrangler Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Wrangler in Minnesota’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data charted above shows the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,334. Add in one speeding ticket and the average cost surges to $1,562, an increase of $228 each year. Now include one accident along with the one speeding ticket and the annual cost of insurance for a Jeep Wrangler increases to an average of $2,171. That’s an increase of $837, or $70 per month, just for being a little careless behind the wheel!

Best rates: State Farm, Allstate, Progressive, or Geico

When shopping around for car insurance, four of the best places to start are State Farm, Allstate, Progressive, and Geico. The following table rates some of the different options and features shoppers can find with each company.