Who Has Cheap Insurance Quotes for a Jeep Wrangler in Nevada?

Your chances of buying the best cheap coverage for a Jeep Wrangler in Nevada depends on an enormous amount of factors like if you rent or own your home, whether or not you have prior claims, and deductibles for comprehensive and collision coverage. Drivers in Nevada pay an average of $820 a year for Wrangler insurance, but that amount is an approximation using rate data for a 30-year-old married male driver that wants both comprehensive and collision coverage and $500 physical damage deductibles.

The issue with using an average estimated rate is the likelihood you aren’t exactly 30 years old or even a male, you might be single instead of married, or maybe you have a teenager that needs to be on your policy. There is no perfect policy for every driver, so the best way to find cheap insurance prices for your Jeep is to comparison shop your policy at each renewal.

Insure Your Jeep for Less

Vehicle trim level can impact the annual cost of coverage, so the rate you pay to insure a Wrangler Sport 4WD 2-Dr model will be $214 lower than the price to insure the high end Wrangler Unlimited Rubicon 4WD 4-Dr version, as shown in the prices below.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price information does not factor in your specific Nevada location which can affect premiums substantially.

Determining which companies offer the most affordable insurance rates for a Jeep Wrangler takes more time than just getting one or two price quotes. Each insurance company uses a different method to determine rates, so to begin we’ll rank the most competitive insurance companies in Nevada.

Best Cheap Insurance Rates for Your Jeep

Start Your Free Quote

Travelers quotes some of the most affordable car insurance rates in Nevada at around $903 per year. Allied, Capital, Oregon Mutual, and Progressive are also some of the most economical Nevada car insurance companies.

In the rate table above, if you buy coverage from Allied and switched to Travelers, you could see yearly savings of about $46. Nevada drivers with Capital could save as much as $105 a year, and Oregon Mutual insureds might reduce prices by as much as $279 a year.

To compare your rates to other Nevada insurance companies, click here to get a free quote or quote rates from the companies below.

Be aware that those prices are averages for all ages of drivers and types of vehicles and and are not figured with a specific rate value for a Jeep Wrangler. So the company that has the cheapest price for you may not even be included in the above list. That point stresses why you need to quote rates from as many companies as possible using your own individual information.

How violations and accidents impact rates

The common sense way to snag cheap insurance for a Jeep Wrangler in Nevada is to drive safely and avoid accidents and traffic citations. The diagram below highlights how speeding tickets and at-fault fender-benders influence insurance rates for each age group. The information is based on a single male driver, full coverage, $100 deductibles, and no additional discounts are factored in.

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The data in the chart shows the average cost of an auto insurance policy in Nevada per year with a clean driving record and no accidents is $2,155. Factor in one speeding ticket and the average cost jumps to $2,429, an increase of $274 each year. Then throw in two accidents along with the one speeding ticket and the 12-month cost of insurance for a Jeep Wrangler jumps again to an average of $4,882. That’s an increase of $2,728, or $227 per month, just for not driving carefully!

Get discounts on Nevada auto insurance rates

Car insurance companies that offer cheap insurance for a Jeep Wrangler in Nevada could also offer premium discounts that could potentially reduce rates by as much as 35% if you can meet the requirements. A few of the larger companies and a partial list of their discounts include:

• GEICO offers premium reductions for daytime running lights, seat belt use, five-year accident-free, anti-lock brakes, driver training, and anti-theft.
• Auto-Owners Insurance offers discounts for paperless, good student, air bags, multiple vehicles, mature driver, and company car.
• American Family may have discounts that include mySafetyValet, defensive driver, Steer into Savings, multi-vehicle, good driver, TimeAway discount, and air bags.
• Esurance discounts include renters, online quote, anti-lock brakes, DriveSense, and defensive driver.
• Progressive may offer discounts for online quote discount, continuous coverage, multi-policy, online signing, and good student.
• State Farm has savings for defensive driving training, driver’s education, Steer Clear safe driver discount, Drive Safe & Save, and good student.
• AAA may include discounts for good student, anti-theft, multi-car, education and occupation, good driver, multi-policy, and AAA membership discount.

The illustration below compares annual premium costs with and without discounts being applied to the rates. The rate quotes are based on a female driver, no claims or driving violations, Nevada state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with multiple vehicle, anti-theft, safe-driver, vehicle safety, accident-free, and defensive driving course discounts applied. When drivers qualify for the discounts, the the average yearly reduction on insurance for a Jeep Wrangler is 28% or $427.

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How to find economical insurance for a Jeep Wrangler

It’s not impossible to find cheaper rates, and here are many penny-pinching solutions that can help you locate lower-cost auto insurance.

• The safer your car, the less it costs to insure
• Bundle home or renters insurance to earn a discount on car insurance
• Save money by insuring older vehicles for liability only
• Avoid filing excessive claims
• Improve your credit
• Higher deductibles save money
• Keep rates low by shopping around frequently

The last tip in the list is highly crucial, as we stressed in this piece. Prices charged by car insurance companies vary considerably, so drivers shouldn’t be resistant to switch companies if you find a better deal. Being loyal to a particular company is commendable, but we do not recommend it if that faithfulness ends up costing you several hundred dollars every year. If you have a few minutes, compare rates to find cheaper car insurance for a Jeep Wrangler.