How Much is Insurance for a Jeep Wrangler in Wisconsin?

Our content editors always give us grief that when writing about car insurance, the words “affordable” or “cheap” shouldn’t be used anywhere to describe car insurance prices. Excuse the oxymoron, but cheap car insurance for a Jeep Wrangler may be a thing of the past. Don’t let that get you down, though, because we are going to show you how you can find and buy car insurance that most people can afford.

Your odds of finding the best cheap coverage for a Jeep Wrangler in Wisconsin depends upon a complex calculation that is influenced by things such as the safety features of your vehicle, the likelihood of vehicle theft, and any prior driving offenses. Drivers in Wisconsin pay approximately $780 per year for Wrangler insurance, but that cost is a ballpark figure rating a 30-year-old single female driver that includes full coverage and $500 physical damage deductibles.

There is a very good chance that you are not exactly 30 years old and possibly not even female, possibly married instead of single, and maybe you have sub-par credit that needs to be factored in. Having different needs demonstrates why your best chance at finding cheap car insurance rates for your Jeep is to compare as many rates as possible. To cut your rates now, get a free quote and you will receive price comparisons from some of the cheapest companies available.

Compare Jeep Wrangler Insurance Rates

The trim level of your Wrangler tends to have a direct impact on price, so the rate you will pay to insure a Wrangler Sport 4WD 2-Dr trim level will be $198 cheaper than the cost to insure the more expensive Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown in the chart below.

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Prices do not factor in specific zip code location which can change premium rates noticeably.

Shopping around for low-priced car insurance is not the easiest thing to accomplish, and deciding which insurers offer the cheapest auto insurance rates for a Jeep Wrangler requires more quotes for comparison.

Each insurance company has a different formula for setting rates, so first let’s look at the rankings for the overall cheapest auto insurance companies in Wisconsin. It’s important that you understand Wisconsin auto insurance rates are influenced by many factors that may substantially change the cost of a policy. Simply having another birthday, buying a home, or getting a reckless driving citation can cause premium changes that can now make some companies much higher than others.

Compare Cheap Insurance Quotes for Your Jeep

Compare Rates Now

USAA may offer some of the lowest car insurance rates in Wisconsin at around $604 each year. Partners Mutual, Erie, Rockford Mutual, and Nationwide would also make the list of some of the lowest-priced Wisconsin insurance companies.

As the rates illustrate above, if you currently buy coverage from Erie and switched to USAA, you might realize an annual premium reduction of roughly $113. Wisconsin drivers with Rockford Mutual could save as much as $120 a year, and Nationwide customers might see rate reductions of $141 a year.

To find cheap insurance for a Jeep Wrangler in Wisconsin for your vehicle, click here to get quotes or visit several of the following companies.

Bear in mind that those prices are averaged for all drivers and vehicles and do not take into consideration a specific rate factor for a Jeep Wrangler. So the car insurance company that fits your age and vehicle best may not even be included in the rate chart shown above. That emphasizes why you need to get quotes using your own personal information and vehicle type.

Full coverage rates compared to liability only

Finding cheap insurance for a Jeep Wrangler in Wisconsin should be important to the majority of vehicle owners, and an easy way to find cheaper insurance is to only pay for liability coverage. The information below visualizes the comparison of annual premium costs with full coverage and liability only. The data is based on no violations or claims, $1,000 deductibles, single status, and no discounts are applied.

Averaged for all age groups, full coverage on your policy costs $1,008 per year more than just buying liability only. Many people question if you should buy full coverage at all. There isn’t a written rule that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

There are some scenarios where dropping full coverage is not in your best interest. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Discounts on cheap insurance for a Jeep Wrangler in Wisconsin

Auto insurance companies that offer quotes for a Jeep Wrangler may additionally offer policy discounts that can lower rates by as much as 35% or more if you meet the requirements. A few popular companies and their offered discounts can be read below.

• Travelers discounts include multi-policy, continuous insurance, good student, save driver, and payment discounts.
• 21st Century may offer discounts for 55 and older, homeowners, teen driver, student driver, and good student.
• State Farm has savings for accident-free, Drive Safe & Save, multiple autos, student away at school, and safe vehicle.
• GEICO may include discounts for military active duty, air bags, seat belt use, defensive driver, and good student.
• SAFECO policyholders can earn discounts including safe driver, multi-car, anti-theft, drive less, homeowner, teen safety rewards, and bundle discounts.
• AAA includes discounts for education and occupation, pay-in-full, AAA membership discount, multi-car, good driver, multi-policy, and anti-theft.

The illustration below visualizes the comparison of insurance rates with and without discounts applied to the policy rates. The premiums assume a female driver, no accidents or driving violations, Wisconsin state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with vehicle safety, accident-free, multiple policy, homeowner, anti-theft, and marriage discounts applied. When drivers qualify for the discounts, the average amount saved each year on auto insurance for a Jeep Wrangler is 28% or $293.

Is State Farm, Allstate, Geico, or Progressive cheaper?

If you want the best insurance for a Wrangler, four of the larger companies to compare rates for are State Farm, Allstate, Geico, and Progressive. When added together, they make up about half of all policies written in the United States. The data below rates ratings for price and service, as well as some optional coverages offered by each one.