Who Has the Cheapest Insurance for a Jeep Wrangler in Texas?

When writing about auto insurance, the word “cheap” should not be used anywhere in the article as a descriptor for auto insurance rates. Notwithstanding, cheap car insurance for a Jeep Wrangler does not exist. Don’t let that get you down, though, because we can show you some ways you can find auto insurance that you can afford.

The chances of buying cheaper car insurance for a Jeep Wrangler in Texas is dependent upon a complex rating formula that takes into consideration things like if you own the home you live in, your profession, and physical damage deductibles. Drivers in Texas pay around $1,180 every 12 months to insure their Wrangler, but that amount is a projection rating a 50-year-old single male who purchased full coverage including both comprehensive and collision and $250 policy deductibles.

The issue with using an average estimated rate is the likelihood you aren’t exactly 50 years old or even a male, married instead of single, or maybe you prefer to not insure for full coverage. This example demonstrates why the most reliable way to find the cheapest rates for your Jeep is to compare rates from as many companies as possible. It’s really quite easy you will get price quotes from some of the best companies that insure Jeep vehicles in Texas.

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The trim level of your Wrangler tends to have a direct impact on the annual cost of coverage, so the rate you will pay to insure a Wrangler Sport 4WD 2-Dr will be $306 less than the cost to insure the more costly Wrangler Unlimited Rubicon 4WD 4-Dr trim level, as shown below.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in the specific area where the vehicle is garaged which can alter premiums greatly.

Determining which companies quote the most affordable car insurance rates for a Jeep Wrangler requires a bit more work in order to find the lowest price quote.

Every insurance provider uses a little different formula to establish rates, so let’s take a look at the car insurance companies that tend to have lower prices in Texas.

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Travelers may offer some of the cheapest car insurance rates in Texas at around $1,021 per year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty would also be considered some of the best Texas auto insurance companies.

In this example, if you are insured with USAA and switched to Travelers, you could see an annual savings of roughly $107. Insureds with Texas Farm Bureau could save as much as $214 a year, and Germania Mutual insureds might reduce prices by as much as $223 a year.

To find out how much you can save, click here to start your free quote or feel free to get quotes from the companies below.

These policy prices are averaged across all types of insureds and vehicles and do not factor in a specific rate value for a Jeep Wrangler. So the car insurance company that is most affordable for your situation may not even be included in the company chart above. That’s why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

Careless Texas drivers pay higher rates

The obvious way to earn good car insurance rates in Texas for a Wrangler is to pay attention while driving and avoid tickets and accidents. The chart below demonstrates how traffic citations and fender-benders increase car insurance costs for different age groups. The rate quotes are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

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In the chart above, the average cost of auto insurance in Texas per year with no accidents or violations is $2,658. Receive two speeding tickets and the average cost jumps to $3,516, an increase of $858 each year. Now add in one accident along with the two speeding tickets and the annual cost of car insurance for a Jeep Wrangler goes up to an average of $4,370. That’s an increase of $1,712, or $143 per month, just for being a little careless behind the wheel!

Does State Farm, Progressive, Allstate, or Geico have the cheapest car insurance?

When it comes to buying insurance for a Wrangler in Texas, probably the best companies to start with are State Farm, Progressive, Allstate, and Geico. When combined, they insure about 50% of the entire U.S. market share. The table below breaks down pricing and service ratings, plus some optional coverages that are available for customers.

How to find cheaper auto insurance for a Jeep Wrangler

Below you’ll find some of the recommended thrifty solutions that can help drivers buy low-cost coverage.

• Buy safe vehicles
• Drivers with good credit often pay less
• Do not get tickets or violations
• Don’t have frequent claims
• Avoid having at-fault accidents
• Ensure you have the best deal by shopping around regularly

That last piece of advice is notably crucial, as we noted in this piece. Prices charged by car insurance companies in Texas adjust often, so you should be ready to switch companies if a more affordable price is available. Many drivers have brand loyalty and that’s fine, but is isn’t recommended if that loyalty results in overpaying lots of money. Spend a few minutes and compare prices and find cheaper car insurance for a Jeep Wrangler.

Cheap Jeep Wrangler insurance quotes

You have a lot of ways to find affordable car insurance in Texas, but the most frequently used methods are using an independent agent, a captive (or exclusive) agent like Liberty Mutual or State Farm, or direct online or over the phone from a company like Geico or Progressive.

Each way has the same basic steps, but they are slightly different in how they function.

Independent agents are appointed by several companies and can provide price quotes from all of them. These types of agents are not employed by one specific company and can quote rates with many companies, which can give you more bang for your buck. If prices rise, your policy can be easily switched to a new company and you stay with the same agent.

An exclusive agent is only able to quote your policy with one company, two of the more popular are an Auto-Owners or Allstate agent. They are unable to place coverage with different providers, so you might not find the best rates.

Car insurance from a direct company means you skip either of the other two types of agents and instead buy buying direct from a company like Geico or Esurance. This car insurance option can be good for drivers who have an average risk profile and understand what coverages, limits, and deductibles they need.

When shopping for car insurance, which way works best for finding the cheapest insurance for a Jeep Wrangler in Texas? The majority of people assume that shopping direct results in the cheapest rates because there is no agent involved, but that is generally not the case. And we’d like to say buying car insurance from an independent agent guarantees the best prices since they can provide multiple quotes, but that is not necessarily true either. In some circumstances, exclusive agencies have very competitive rates well below independent agents AND direct companies.

Due to the fact that car insurance rates vary so much, the only true way to ensure the lowest rates is to get rate quotes and compare. Make the effort to get prices from all three in order to have the best selection to choose from. For a list of companies offering online discounts, click here to view.