Cheap Insurance for a Jeep Wrangler in Rhode Island

Cheap Insurance for a Jeep Wrangler in Rhode Island

Anytime the topic is auto insurance, the words “cheap” or “affordable” should never appear anywhere in the article. Nonetheless, cheap car insurance for a Jeep Wrangler is not easy to find. But don’t despair, because there may be ways you can get coverage that you can fit into your budget.

Your ability to find affordable auto insurance for a Jeep Wrangler in Rhode Island hinges on things like your marital status, whether or not you are currently insured, and if you had any at-fault accidents in the last few years. Rhode Island drivers pay on average $970 annually for Wrangler insurance, but that price is that rates a 40-year-old married female driver that wants full coverage including both comprehensive and collision and $1,000 deductibles.

Chances are that rate is not what you would pay, because most likely you are not a 40-year-old female, maybe you are single instead of married, or maybe your driving record isn’t squeaky clean. Every auto insurance policy is unique to the driver, so the most reliable method for finding the most affordable coverage for your Jeep is to shop around at every renewal for lower rates.

Compare Rates Now

Your vehicle’s trim level tends to have a direct impact on the coverage cost, so the price you pay to insure a Wrangler Sport 4WD 2-Dr will be $244 lower than the insurance cost for the fancier Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown below.

Jeep Wrangler Insurance Rates in Rhode Island
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $146 $210 $426 $26 $128 $936 $78
Wrangler Unlimited Sport 2WD 4-Dr $146 $210 $532 $32 $160 $1,080 $90
Wrangler Sport Islander Package 4WD 2-Dr $146 $268 $426 $26 $128 $994 $83
Wrangler Unlimited Sport 4WD 4-Dr $166 $210 $532 $32 $160 $1,100 $92
Wrangler Sahara 4WD 2-Dr $166 $268 $426 $26 $128 $1,014 $85
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $166 $210 $532 $32 $160 $1,100 $92
Wrangler Unlimited Sahara 2WD 4-Dr $166 $210 $532 $32 $160 $1,100 $92
Wrangler Rubicon 4WD 2-Dr $166 $268 $426 $26 $128 $1,014 $85
Wrangler Unlimited Sahara 4WD 4-Dr $166 $268 $532 $32 $160 $1,158 $97
Wrangler Unlimited Rubicon 4WD 4-Dr $188 $268 $532 $32 $160 $1,180 $98
Get Your Own Custom Quote Go

Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Rhode Island minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rates do not factor in specific zip code location which can lower or raise price quotes substantially.

Rhode Island auto insurance companies

Finding the top insurer can be rather challenging considering how many companies are available to choose from in Rhode Island. The ranking information in the next section may help you select which coverage providers you want to consider buying from. The rankings below are only comprised of companies with a national presence, so smaller companies that only insure vehicles in Rhode Island are not factored into this list.

Top 15 Auto Insurance Companies in Rhode Island
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

Tickets and at-fault accidents raise rates

In a perfect world, the best way to earn good auto insurance prices in Rhode Island for a Wrangler is to be a cautious driver and avoid tickets and accidents. The illustration below illustrates how speeding tickets and fender-benders drive up auto insurance costs for different ages of insureds. The prices are based on a single male driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

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 Two Accidents’],[‘Age 20’, 4407,4743,7811],[‘Age 30’, 2385,2723,5787],[‘Age 40’, 2301,2639,5701],[‘Age 50’, 2101,2439,5501],[‘Age 60’, 2033,2369,5433],[‘Age 70’, 2495,2833,5901]]);var options = {title: ‘Impact of Tickets and Accidents on Rhode Island 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 Rhode Island’,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);}

In the prior example, the average cost of auto insurance per year with no violations or accidents is $2,620. Get one speeding ticket and the average cost rises to $2,958, an increase of $337 each year. Now add in two accidents along with the one speeding ticket and the annual cost of auto insurance for a Jeep Wrangler goes up to an average of $6,022. That’s an increase of $3,402, or $284 per month, just for not being attentive to the road!

Rate difference between full and liability-only coverage

Finding cheap insurance for a Jeep Wrangler in Rhode Island is the goal of most drivers, and one of the best ways to find cheaper insurance is to only buy liability coverage. The diagram below shows the comparison of auto insurance costs with and without full coverage. The price estimates are based on no claims or driving violations, $500 deductibles, drivers are single, and no discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 4055,1789],[‘Age 30’, 2169,977],[‘Age 40’, 2093,905],[‘Age 50’, 1917,847],[‘Age 60’, 1859,833],[‘Age 70’, 2315,1115]]);var options = {title: ‘Full Coverage Compared to Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Wrangler in Rhode Island’,minValue: 0,format: ‘$###,###’},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);}

As an overall average, full coverage on your policy costs $2,401 per year more than just buying liability only. A very common question is if it’s worth it to buy full coverage. There is no definitive rule of when to drop physical damage coverage on your policy, but there is a general school of thought. If the annual cost of coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let’s say your vehicle’s settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after paying your policy deductible. If it’s costing in excess of $700 a year to have full coverage, then you might want to think about dropping full coverage.