Who Has the Cheapest Insurance Quotes for a Jeep Wrangler in Utah?

When writing about car insurance, the word cheap really should not be used anywhere in the article. Regardless, cheap car insurance for a Jeep Wrangler is not easy to find. But fear not, because we can show you some ways you can quote auto insurance that you can afford.

Your odds of finding cheap coverage for a Jeep Wrangler in Utah relies on a complex calculation that is influenced by things like the mileage of your daily commute, if you have maintained coverage continuously, and any prior driving offenses. Drivers in Utah pay approximately $580 every 12 months to buy Jeep Wrangler insurance, but that cost is a ballpark figure based on rate data for a 50-year-old married male driver that included full coverage and $1,000 deductibles.

When making auto insurance estimates, the issue arises that you are not 50 and maybe not even a male, single instead of married, or maybe you want different physical damage deductibles. Having different needs demonstrates why your best chance at finding cheap insurance prices for your Jeep is to start the habit of comparing rates at least once a year. Quotes are free and easy and you will receive prices from some of the best companies that sell coverage in Utah.

Compare Jeep Wrangler Insurance Rates

The specific trim level will influence the annual cost of coverage, so the price you will be charged to insure a Wrangler Sport 4WD 2-Dr model will be $148 cheaper than the price to insure the high end Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown below.

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium amounts do not factor in vehicle garaging location which can alter auto insurance rates significantly.

Finding reasonably-priced auto insurance is confusing at best, and figuring out which company offers the cheapest car insurance rates for a Jeep Wrangler will involve even more work.

Every auto insurer uses a different method for setting rates, so first let’s look at the rankings for the lowest cost car insurance companies in Utah.

Best Car Insurance Prices for Your Jeep

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Bear River offers some of the cheapest car insurance rates in Utah at around $572 each year. USAA, Auto-Owners, American Family, and Farm Bureau Mutual would also be considered some of the most economical Utah insurance companies.

In the rate table above, if you currently have coverage with American Family and switched to Bear River, you could earn annual savings of approxmiately $392. Policyholders with Farm Bureau Mutual may save as much as $454 a year, and Allied insureds might lower prices by $456 a year.

To find out how your current rates compare, click here to start your free quote or quote rates from the companies below.

Bear in mind that those prices are averages across all ages of drivers and types of vehicles and and are not calculated with a specific rate value for a Jeep Wrangler. So the auto insurance company that fits your age and vehicle best may not even be featured in the company chart above. That illustrates why you need to get auto insurance quotes using your own driver information and specific vehicle type.

Discounts on Utah auto insurance

Insurance providers that sell the cheapest insurance for a Jeep Wrangler in Utah may also offer policy discounts that can reduce rates by as much as 35% or more if you are eligible for them. Popular car insurance companies and a selection of discounts include:

• State Farm has savings for accident-free, Steer Clear safe driver discount, defensive driving training, passive restraint, student away at school, and multiple policy.
• GEICO may offer discounts for seat belt use, multi-policy, anti-theft, defensive driver, emergency military deployment, and five-year accident-free.
• Progressive includes discounts for multi-vehicle, online signing, homeowner, online quote discount, good student, and multi-policy.
• 21st Century offers premium reductions for theft prevention, air bags, teen driver, defensive driver, and student driver.
• American Family discounts include Steer into Savings, bundled insurance, multi-vehicle, air bags, accident-free, mySafetyValet, and early bird.
• The Hartford offers discounts including good student, vehicle fuel type, bundle, anti-theft, and defensive driver.
• AAA offers discounts for AAA membership discount, anti-theft, education and occupation, good driver, multi-policy, pay-in-full, and multi-car.

The information below illustrates the comparison of insurance costs with and without discounts applied to the rates. The data assumes a male driver, no violations or accidents, Utah state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with accident-free, homeowner, claim-free, safe-driver, vehicle safety, and passive restraint discounts applied. When these discounts are applied to the policy premium, the the amount saved on car insurance for a Jeep Wrangler is 28% or $442.

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Allstate vs Geico vs Progressive vs State Farm

If you are shopping around for insurance for a Wrangler in Utah, the four most popular companies are Allstate, Geico, Progressive, and State Farm. When combined, they have almost 50% of all policies written. The next table points out ratings for price and service, as well as some optional coverages that you can purchase from each one.

Cheap Jeep Wrangler insurance quotes

Thanks to technology, drivers have a lot of ways to compare car insurance prices in Utah, but the three most common methods are using an exclusive agency like Allstate or Auto-Owners, an independent insurance agent, or buying direct from a company like Geico or Progressive.

Each way is similar, but each is different in how they price policies.

Independent insurance agencies write business for many companies and can provide price quotes from each one. These agents can provide multiple price quotes, which may give you the best chance of finding a lower price. If they find a lower price, your agent can switch companies and you do not have to find a new agent.

A captive, or exclusive, agent is restricted to quoting rates for just one company, two popular examples being Allstate and Liberty Mutual agents. They usually cannot provide multiple price quotes, so if their pricing is high, there is no alternative.

The third popular method of shopping for car insurance is direct, which means you do not use an independent or exclusive agent and buy from a direct company like Geico. Shopping direct may be a decent choice drivers who do not have a complex risk profile and have a good understanding of how car insurance works and possible exclusions.

What is the best method to buy the cheapest insurance for a Jeep Wrangler in Utah? The obvious answer would be buying direct results in the cheapest rates since there isn’t an agent involved, but unfortunately, that is not the case. We’d also like to say going through an independent agent saves the most money due to increased selection, but again, that’s not a true statement. In many cases, the exclusive agents have price quotes that are the lowest in Utah.

Because there are so many factors that make up car insurance rates, the only true way to find out which one is cheapest is to get rate quotes and compare. We highly recommend getting price quotes from independent, exclusive, and direct to have a good selection of rates to choose from. For a list of car insurance companies with low rates, click here to view.

How to find low-cost auto insurance for a Jeep Wrangler

The list below details a few penny-pinching solutions that can help Utah drivers quote cheap coverage.

• Save money by insuring your home and auto with the same company
• Drive safely
• If possible, pay for small claims out-of-pocket
• Increase your physical damage deductibles
• Prevent rate increases by staying accident-free
• Improve your credit
• Shop your coverage around for the best deal

The last idea is highly significant, as we hit on in this write-up. Insurance prices in Utah change constantly, so drivers shouldn’t be resistant to switch carriers if a lower-cost policy is available. Having brand loyalty is commendable, but it’s not a good idea if that faithfulness ends up costing you money that could be spent on other things. Take a couple minutes and shop around to find cheaper insurance for a Jeep Wrangler.