How Much are Insurance Quotes for a Jeep Wrangler in Massachusetts?

When discussing auto insurance, the word cheap shouldn’t be used anywhere in the article. Excuse the oxymoron, but cheap auto insurance for a Jeep Wrangler can be hard to find. But don’t let us ruin your dream, because we will teach you how you can get insurance that fits into your budget.

The chances of finding the best cheap car insurance for a Jeep Wrangler in Massachusetts is contingent on a lot of factors such as whether or not your vehicle has good safety ratings, the insurance company you are currently insured with, and blemishes on your driving record. Massachusetts drivers pay on average $870 annually to buy insurance for a Jeep Wrangler, but that cost is a projection rating a 40-year-old married male who needs full comprehensive and collision coverage and $500 policy deductibles.

Chances are that you are not a 40-year-old male, you might be single instead of married, and maybe your Wrangler just needs liability-only coverage. Auto insurance is unique to every driver, so your best shot at finding cheap car insurance rates for your Jeep is to put in the effort and compare rates. In just a few minutes you can get prices from top-rated companies available.

Compare Rates and Save

The trim level of your Wrangler can impact the coverage cost, so the rate you pay to insure a Wrangler Sport 4WD 2-Dr model will be $224 less expensive the cost to insure the high end Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown in the table below.

Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Prices do not factor in garaging location in Massachusetts which can decrease or increase prices considerably.

Finding a highly-rated company is hard considering how many companies are available to choose from in Massachusetts. The information listed below can help you select which companies to look at shopping your coverage with.

The ratings below are only made up of large, nationwide insurance companies, so companies without a large exposure will not be included in the list. To compare prices and find the cheapest rates for a Jeep Wrangler, click this link.

Top 10 Large Auto Insurers in Massachusetts Ranked by Customer Satisfaction

1. The Hartford – 93%
2. Progressive – 90%
3. Travelers – 87%
4. State Farm – 87%
5. USAA – 87%
6. AAA Insurance – 86%
7. Safeco Insurance – 86%
8. GEICO – 85%
9. American Family – 85%
10. Farmers Insurance – 85%

Top 10 Large Auto Insurers in Massachusetts Ranked by Claims Service

1. Progressive
2. USAA
3. Liberty Mutual
4. State Farm
5. GEICO
6. Allstate
7. The Hartford
8. Farmers Insurance
9. Esurance
10. AAA Insurance

Top Companies for Jeep Wrangler Insurance in Massachusetts

Get discounts on Massachusetts auto insurance

Insurance providers that sell cheap insurance for a Jeep Wrangler in Massachusetts may also offer policy discounts that could potentially reduce rates by 25% or more if you meet specific criteria. Larger insurance companies and a summarized list of policyholder discounts are detailed below.

• Progressive has savings for multi-vehicle, good student, homeowner, multi-policy, and continuous coverage.
• GEICO offers discounts for defensive driver, multi-policy, seat belt use, driver training, military active duty, and air bags.
• State Farm includes discounts for multiple autos, driver’s education, Drive Safe & Save, Steer Clear safe driver discount, anti-theft, and good student.
• Esurance may include discounts for Switch & Save, claim free, paid-in-full, defensive driver, and good driver.
• The Hartford may offer discounts for vehicle fuel type, anti-theft, good student, air bag, driver training, and defensive driver.

The diagram below shows the difference between yearly insurance costs with and without discounts applied to the rates. The prices are based on a male driver, no accidents, no driving violations, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with anti-theft, accident-free, homeowner, claim-free, defensive driving course, and marriage discounts applied. When these discounts are applied to the policy premium, the the amount saved on insurance for a Jeep Wrangler is 28% or $484.

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Full coverage rates compared to liability only

Finding cheap insurance for a Jeep Wrangler in Massachusetts should be important to most drivers, and one of the quickest ways to find cheap insurance is to only buy liability insurance. The illustration below compares premium costs when comparing full coverage to liability only. Data assumes no claims or driving citations, $100 deductibles, drivers are not married, and no discounts are factored in.

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If all age groups are averaged, full coverage costs $2,116 per year more than carrying just liability coverage. Many people question when is it safe to stop buying full coverage. There is no definitive formula to delete full coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

There are some scenarios where only buying liability is not financially feasible. If you still have a loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

How to find cheap insurance for a Jeep Wrangler in Massachusetts

Here are a few penny-pinching ideas that can help drivers get more affordable coverage.

• Drop full coverage on older vehicles
• Raise comprehensive and collision coverage deductibles
• Save money by obeying traffic laws and keeping a clean driving record
• Drive attentively and avoid accidents
• Better credit scores save money
• Drive vehicles with five-star safety ratings
• Shop around for cheaper rates regularly

That last tip is highly crucial, as was noted in the article above. Prices in Massachusetts vary greatly, so don’t be hesitant to change insurance companies if a more affordable price is available.

Having a favorite company is great, but it isn’t a good idea if that loyalty results in overpaying a small fortune. Now is a great time to compare rates and find cheaper car insurance for a Jeep Wrangler.

Cheapest Jeep Wrangler insurance quotes

Thanks to the internet, there are a lot of ways to get affordable insurance quotes in Massachusetts, but the most common are either through a non-exclusive or independent agent, an exclusive insurance agency like Liberty Mutual or Allstate, or from a direct company like Geico.

Each way has the same basic process, but they are slightly different in how they provide price quotes.

Independent insurance agents can place your business with multiple companies and can get policy pricing from each one. They can provide multiple price quotes, which can help you get a better chance of finding cheaper coverage. If prices rise, your agent can switch companies and you don’t have to switch agencies.

A captive, or exclusive, agent is limited to just one company such as Allstate and Liberty Mutual agents. Exclusive agents cannot provide rate quotes from other companies, so you might not find the best rates.

The third way to buy insurance is direct which means you forego either of the other two types of agents and buy direct either online or via phone. Shopping direct can be a good choice for families who have an average risk profile and have a decent understanding of what insurance covers and what it doesn’t.

So out of those three methods, which one works best to buy cheap insurance for a Jeep Wrangler in Massachusetts? We would first guess that shopping direct saves the most money since that eliminates agent commissions, but that is not always the case. It would also be easy to say an independent agent guarantees the best prices since they have access to many companies, but that assumption is also not accurate. For the right applicant, exclusive agents may have very competitive prices that other insurance companies cannot touch.

Due to that fact that insurance uses so many rating variables, the one way to get the lowest rate is to compare lots of quotes. Money-saving experts recommend you get quotes from all three types to get a good idea who is cheapest. For a list of companies with some of the cheapest Massachusetts insurance rates, click here to view.