Buying the cheapest auto insurance for a Jeep Wrangler hinges on an enormous amount of factors such as how many miles you drive each year, your credit status, and any prior driving citations you have received. Ohio drivers pay on average $490 per year for Wrangler insurance, but that amount is an approximation using a 50-year-old married male driver with full physical damage coverage and $1,000 deductibles.
It’s more than likely you are not 50 and maybe not even a male, possibly single instead of married, and maybe you want higher deductibles. Auto insurance requires individual risk assessment, so the best way to find the cheapest coverage for your Jeep is to just compare rates yourself. In just a few minutes you will be able to compare rates from top-rated car insurance companies that offer coverage in Ohio.
The trim level of your Wrangler tends to have a direct effect on price, so the rate you pay to insure a Wrangler Sport 4WD 2-Dr model will be $124 less expensive the price to insure the more costly Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$74||$102||$218||$12||$66||$472||$39|
|Wrangler Unlimited Sport 2WD 4-Dr||$74||$102||$272||$16||$82||$546||$46|
|Wrangler Sport Islander Package 4WD 2-Dr||$74||$130||$218||$12||$66||$500||$42|
|Wrangler Unlimited Sport 4WD 4-Dr||$84||$102||$272||$16||$82||$556||$46|
|Wrangler Sahara 4WD 2-Dr||$84||$130||$218||$12||$66||$510||$43|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$84||$102||$272||$16||$82||$556||$46|
|Wrangler Unlimited Sahara 2WD 4-Dr||$84||$102||$272||$16||$82||$556||$46|
|Wrangler Rubicon 4WD 2-Dr||$84||$130||$218||$12||$66||$510||$43|
|Wrangler Unlimited Sahara 4WD 4-Dr||$84||$130||$272||$16||$82||$584||$49|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$96||$130||$272||$16||$82||$596||$50|
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in specific location information which can affect insurance rates greatly.
How to find a good Cleveland car insurance company
Choosing a high-quality insurance provider is hard considering how many choices there are in Cleveland. The company rank data shown below could help you decide which coverage providers to look at when comparing rate quotes. These rankings are for insurance companies that insure vehicles in the majority of U.S. states, so smaller regional companies will not be included in this list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Discounts on Cleveland insurance rates
Auto insurance companies that provide policies for a Jeep Wrangler may have price discounts that can reduce rates by as much as 40% or more if you meet specific criteria. A list of companies and a summarized list of policyholder discounts can be read below.
- 21st Century offers premium reductions for anti-lock brakes, air bags, theft prevention, teen driver, and good student.
- Progressive may offer discounts for multi-vehicle, good student, continuous coverage, homeowner, and online quote discount.
- State Farm has savings for good student, good driver, multiple policy, multiple autos, Steer Clear safe driver discount, safe vehicle, and defensive driving training.
- Nationwide policyholders can earn discounts including good student, accident-free, anti-theft, Farm Bureau membership, and multi-policy.
- Esurance offers discounts including good driver, multi-policy, defensive driver, claim free, and multi-car.
- The Hartford discounts include defensive driver, driver training, good student, vehicle fuel type, anti-theft, air bag, and bundle.
The example below visualizes the comparison of annual premium costs with and without discounts applied. The rate quotes are based on a female driver, no claims or driving citations, Ohio 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 bar shows the rates with vehicle safety, safe-driver, anti-theft, marriage, multiple policy, and defensive driving course discounts applied. When these discounts are applied, the average amount saved each year on car insurance for a Jeep Wrangler is 28% or $340.
Your cheap Wrangler insurance may actually be overpriced
Ohio car insurance rates are calculated based on many things which can substantially decrease or increase the cost of a policy. Improving your credit score, buying a different home, or getting a reckless driving citation can cause premium changes that may make certain companies affordable when they were higher priced. Additionally, insurance companies modify rates as often as every three months to reflect underwriting profits or losses. Higher than normal claim frequency or severity may cause high rates, while less frequent claims may produce more affordable Wrangler insurance rates.
To help illustrate this point, the data below shows which companies have the cheapest car insurance in Cleveland, OH for a 40-year-old male driver with no prior claims, no tickets, and a good credit history. If we estimate prices based on his current rating profile, Utica National might quote the best car insurance rates in Cleveland at $837 annually. This is $203 less than the average premium paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers are also on the list of the cheapest Cleveland, OH auto insurance companies.
Let’s now give the driver in the first chart a chargeable accident, a lower credit rating, and an imperfect driving record. Since every car insurance company has a different process to establish rates, comparing quotes may now present a significantly different list of the cheapest Cleveland car insurance companies as shown below.
Merchants Insurance Group now has the cheapest insurance rate in Cleveland with Cincinnati Insurance, General Casualty, Motorists Mutual, and Grange Mutual also being competitive. This example shows why it is critical to shop around to get the most budget-friendly insurance rates for a Jeep Wrangler. Rates are impacted by many things and change dramatically, so the best price the last time you checked may now be priced much higher than other options.