Finding the cheapest insurance for a Jeep Wrangler hinges on a lot of rating criteria such as your marital status, whether or not you have filed claims in the past, and the level of deductible you choose. Drivers in Nebraska will pay around $791 a year for Wrangler insurance, but that cost is an estimate based upon a 50-year-old married male driver with full physical damage coverage and $250 deductibles.
But there is a high likelihood that you aren’t exactly 50 years old or even a male, single instead of married, and maybe your Wrangler is older and does not require full coverage. Even a slight difference in policy rating criteria or coverages can result in a big discrepancy in the coverage rate.
Every driver’s needs are different, and that is why the way we recommend to find cheap insurance prices for your Jeep is to do a thorough rate comparison.
Compare Jeep Wrangler Insurance Rates
The specific trim level will most likely have an effect on the yearly cost, so the price you pay to insure a Wrangler Sport 4WD 2-Dr will be $202 less than the insurance cost for the more well-appointed Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $158 | $214 | $288 | $18 | $86 | $764 | $64 |
| Wrangler Unlimited Sport 2WD 4-Dr | $158 | $214 | $360 | $22 | $108 | $862 | $72 |
| Wrangler Sport Islander Package 4WD 2-Dr | $158 | $272 | $288 | $18 | $86 | $822 | $69 |
| Wrangler Unlimited Sport 4WD 4-Dr | $180 | $214 | $360 | $22 | $108 | $884 | $74 |
| Wrangler Sahara 4WD 2-Dr | $180 | $272 | $288 | $18 | $86 | $844 | $70 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $180 | $214 | $360 | $22 | $108 | $884 | $74 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $180 | $214 | $360 | $22 | $108 | $884 | $74 |
| Wrangler Rubicon 4WD 2-Dr | $180 | $272 | $288 | $18 | $86 | $844 | $70 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $180 | $272 | $360 | $22 | $108 | $942 | $79 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $204 | $272 | $360 | $22 | $108 | $966 | $81 |
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Information does not factor in specific location which can influence coverage rates noticeably.
Establishing which company quotes the cheapest auto insurance rates for a Jeep Wrangler will take more time than just picking a company at random. Every insurance company has a proprietary formula for determining prices, so let’s look at the rankings for the most budget-friendly auto insurance companies in Nebraska.
It’s a good idea to know that Lincoln auto insurance rates are determined by lots of factors which can significantly increase or decrease the policy premium. Simply having a birthday, buying a home, or getting a ticket for careless driving can produce rate changes resulting in some rates now being cheaper in comparison to the competition.
Best Auto Insurance Prices for Your Jeep
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $812 |
| 2 | The Hartford | $847 |
| 3 | Auto-Owners | $896 |
| 4 | Allied | $911 |
| 5 | Farmers Mutual of Nebraska | $989 |
| 6 | Farm Bureau Mutual | $990 |
| 7 | Nationwide | $1,027 |
| 8 | State Farm | $1,075 |
| 9 | American National | $1,087 |
| 10 | General Casualty | $1,114 |
| 11 | USAA | $1,150 |
| 12 | American Family | $1,296 |
| 13 | California Casualty | $1,296 |
| 14 | Iowa Mutual | $1,308 |
| 15 | MetLife | $1,332 |
| 16 | EMC | $1,354 |
| 17 | GEICO | $1,362 |
| 18 | Progressive | $1,445 |
| 19 | Farmers | $1,586 |
| 20 | North Star | $1,693 |
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Safeco generally has some of the best car insurance rates in Lincoln at around $812 each year. This is $504 less than the average rate paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska also are some of the cheaper Lincoln, NE auto insurance companies.
As shown above, if you are a policyholder with The Hartford and switched to Safeco, you could see yearly savings of in the neighborhood of $35. Nebraska drivers with Auto-Owners might save as much as $84 a year, and Allied customers might lower prices by $99 a year.
It’s important to note that these premiums are averaged for all drivers and vehicles in Nebraska and and are not calculated with an exact zip code location for a Jeep Wrangler. So the insurer that fits your age and vehicle best may not even be in the list above. That’s why you need to quote rates from as many companies as possible using your own personal information and vehicle type.
Impact of citations and accidents on Lincoln insurance rates
The ideal way to maintain cheap auto insurance rates for a Wrangler is to drive carefully and avoid traffic citations and accidents. The chart below shows how traffic citations and accidents can affect auto insurance rates for each different age category. The data assumes a married male driver, full coverage, $250 deductibles, and no other discounts are factored in.
The data in the chart shows the average cost of auto insurance in Lincoln per year with a clean driving record and no accidents is $1,487. Get two speeding tickets and the average cost jumps to $2,049, an increase of $561 each year. Now add two accidents along with the two speeding tickets and the yearly cost of auto insurance for a Jeep Wrangler goes up to an average of $4,166. That’s an increase of $2,678, or $223 per month, just for not being a responsible driver!
Types of discounts on Lincoln auto insurance
Auto insurance companies that offer quotes for a Jeep Wrangler may provide price discounts that can reduce rates by as much as 25% or more if you meet eligibility requirements. A list of auto insurance companies and their possible discounts include:
- Farmers Insurance has savings for electronic funds transfer, homeowner, pay in full, youthful driver, and alternative fuel.
- State Farm offers discounts including safe vehicle, defensive driving training, accident-free, passive restraint, and Steer Clear safe driver discount.
- Liberty Mutual offers discounts for new vehicle discount, newly married, exclusive group savings, good student, safety features, multi-policy, and new move discount.
- MetLife has discounts for good student, defensive driver, claim-free, accident-free, and multi-policy.
- Progressive includes discounts for multi-vehicle, continuous coverage, good student, homeowner, online quote discount, and multi-policy.
The information below illustrates the difference between auto insurance rates with and without discounts applied to the policy rates. The premiums are based on a female driver, a clean driving record, no at-fault accidents, Nebraska state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with safe-driver, defensive driving course, accident-free, multiple policy, marriage, and multiple vehicle discounts applied. When these discounts are applied, theaverage yearly reduction on auto insurance for a Jeep Wrangler is 28% or $440.
How to find cheaper car insurance for a Jeep Wrangler
Below you’ll find some of the better penny-pinching solutions that can help you locate cheaper car insurance.
- Choose a safer vehicle and pay lower rates
- Do not pay for comprehensive and collision coverage on older vehicles
- Do not get traffic violations
- Raise your deductibles
- Avoid accidents and claims
- Increase your credit score
- Compare prices frequently to find the best deal
The final tip is extremely crucial, as we discussed in this piece. Rates can be modified anytime, so drivers shouldn’t hesitate to buy from a new company if a better rate can be found.
Staying with the same car insurance company is fine, but it isn’t a good idea if that dedication is costing hundreds every year. In just a couple of minutes you could compare prices and find cheaper auto insurance for a Jeep Wrangler in Lincoln.
The agents listed below are a good start to help you determine which auto insurance policy fits you best, as many people would rather have a professional recommendation when shopping around for cheaper insurance for a Jeep Wrangler. It’s not always simple to find the best coverage yourself, so getting advice from a licensed Nebraska insurance agent can give you peace of mind knowing you have adequate protection in case of an accident or claim.
To find an auto insurance agency by location nearest to you, click the button following the list or click here to compare price quotes.
- Davidson Insurance Agency, Inc
5604 South 48th St #6 – Lincoln, NE 68516 – (800) 249-1443 - Shelter Insurance – Richard Diers
4242 Cornhusker Hwy – Lincoln, NE 68504 – (402) 464-9511 - Cornhusker Insurance Agency
6100 Apples Way #110 – Lincoln, NE 68516 – (402) 436-2423