How Much is Insurance for a Jeep Wrangler in Washington?

The likelihood of finding cheaper coverage for a Jeep Wrangler in Washington is contingent on a complex formula that factors things such as whether you use your Wrangler for business use, what you do for a living, and your choice of deductibles. Drivers in Washington will pay around $840 a year to buy Jeep Wrangler insurance, but that rate is an estimation calculated based on a 50-year-old married male who purchased both comprehensive and collision coverage and $100 policy deductibles.

That rate won’t apply to everyone, because more than likely you are not 50 years old and maybe not even male, maybe you are single instead of married, and maybe your credit level is not the same as what was rated. Auto insurance is unique to every driver, so your best shot at finding cheap insurance rates for your Jeep is to just compare rates yourself. Rate quotes are easy and you will receive rate quotes from some of the cheapest companies that insure Jeep vehicles in Washington.

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The trim level of your vehicle will likely have an effect on the yearly cost, so the price you will pay to insure a Wrangler Sport 4WD 2-Dr model will be $220 cheaper than the cost to insure the higher-priced Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown by the rates below.

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in vehicle garaging location which can impact insurance rates considerably.

Locating cheap car insurance is challenging, and finding out which company quotes the cheapest insurance rates for a Jeep Wrangler calls for even more work.

Each company uses their own calculation for determining prices, so to begin we’ll rank the insurance companies that tend to be cheaper in Washington. It’s important that you understand Washington insurance rates are impacted by many things that can increase the cost of having a policy. Price variation is why Washington drivers need to compare rates to find affordable auto insurance rates for a Jeep Wrangler. Car insurance prices are determined by many risk factors and change dramatically, so the best price three years ago may now be one of the more expensive options.

Best Auto Insurance Prices for Your Jeep

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Capital generally has some of the best car insurance rates in Washington at around $754 per year. Grange, PEMCO, Nationwide, and Mutual Enumclaw are also some of the lowest-priced Washington car insurance companies.

As the example above demonstrates, if you buy coverage from Nationwide and switched to Capital, you may realize a yearly savings of upwards of $236. Insureds with Mutual Enumclaw could save as much as $269 a year, and Travelers policyholders might see rate reductions of $284 a year.

To find cheap insurance for a Jeep Wrangler in Washington, click here to start your custom quote or visit any of the low-priced companies below.

Understand that those prices are averaged for all insureds and vehicles and and are not figured with a specific rating modification for a Jeep Wrangler. So the car insurance company that can offer the best rates for your situation may not even be featured in the chart above. That underscores the importance of why you need to compare rates from multiple companies using your own individual information.

Cost comparison with and without full coverage

Finding cheap insurance for a Jeep Wrangler in Washington should be important to the majority of vehicle owners, and one common way to save on the cost of insurance is to not pay for full coverage. The illustration below visualizes the comparison of car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no violations or claims, $250 deductibles, marital status is single, and no discounts are applied to the premium.

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If averaged for all ages, physical damage coverage costs an extra $1,550 per year more than just buying liability insurance. That brings up the question when is it a good idea to stop buying full coverage. There isn’t a steadfast formula for excluding physical damage coverage, but there is a general convention. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.

Cheapest car insurance: Geico, Progressive, Allstate, or State Farm

When researching insurance for a Wrangler in Washington, the most popular companies are Geico, Progressive, Allstate, and State Farm. The following table compares pricing and service ratings, plus some optional coverages that may be available in your state.

How to find cheap insurance for a Jeep Wrangler in Washington

Here are many thrifty ideas that can help you get low-cost coverage.

• Pay cheaper rates with good credit scores
• Drop full coverage on older vehicles
• Do not get into accidents that are your fault
• Serious violations like DUI or reckless driving can increase rates dramatically
• Drive vehicles with five-star safety ratings
• Raise your deductibles
• Keep rates low by comparing prices once a year

The last tip in the list is particularly valuable, as was discussed in the article above. Auto insurance rates adjust often, so don’t hesitate to change to a new company if a better deal can be had. Many consumers stick with the same company and that’s fine, but it’s not a good idea if that dedication is costing lots of money. Spend a few minutes and shop around and find cheaper insurance for a Jeep Wrangler.

Who has the cheapest Jeep Wrangler insurance quotes?

Thanks to technology, there are a lot of ways to buy insurance in Washington, but the three most common are from a non-exclusive or independent agent, an exlusive agent such as Liberty Mutual or Allstate, or from a direct company like Progressive.

You can use whichever you prefer, but it’s important to understand the differences in how they give price quotes.

Independent agencies are appointed by several companies and can get rate quotes from every one. These agents are not restricted to one company and can give you more rates, which may give you improved chances of finding a lower rate. If you want to switch companies, your policy can be easily switched to a new company which makes it simple for you.

Exclusive agents are usually restricted to one insurance company, two popular examples being Farmers Insurance or State Farm agents. They generally cannot provide a range of price quotes, so it’s a good idea to shop around.

When you buy insurance direct, you skip an agent and instead buy direct online or over the phone from a company like Progressive or Geico. Shopping direct may be the best choice families who have little risk and have a good understanding of what coverages, limits, and deductibles they need.

So comparing independent agents, exclusive agents, and direct, which one works best for finding cheap insurance for a Jeep Wrangler in Washington? The majority of insurance shoppers assume that buying from a direct car insurance company saves money because there are no middleman commissions, but that does not always hold true. And we’d like to say buying from an independent agent guarantees the best prices since they have more companies to choose from, but that idea is not necessarily true either. For some people, the exclusive agents have coverage prices that are the cheapest in Washington.

Because it’s impossible to say who has the best insurance rates, the only real way to get the cheapest rates is to get as many comparison quotes as possible. We highly recommend getting rate quotes from all three to get a good idea who is cheapest. For a list of companies offering online discounts, click here to view.