Buying competitive insurance for a Jeep Wrangler in Arizona depends on a lot of different factors such as how many miles you drive each year, whether or not you have prior claims, and violations on your driving record. Arizona drivers will pay around $1,014 a year to insure their Wrangler, but that price is a projection based upon a 40-year-old single male driver with full physical damage coverage and $250 deductibles.
The issue that arises when projecting rates is that it’s very likely that you’re not a 40-year-old male, possibly married instead of single, or maybe you have a teenager that needs to be on your policy. Auto insurance is unique to each driver, so the best way to find cheap insurance prices for your Jeep is to just compare rates yourself. Quotes only take a couple of minutes and you will receive rate quotes from top-rated companies around.
The trim level of your Jeep will be a contributing factor to the cost of coverage, so the price you pay to insure a Wrangler Sport 4WD 2-Dr model will be $262 lower than the price to insure the high end 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||$198||$288||$362||$22||$108||$978||$82|
|Wrangler Unlimited Sport 2WD 4-Dr||$198||$288||$454||$26||$136||$1,102||$92|
|Wrangler Sport Islander Package 4WD 2-Dr||$198||$368||$362||$22||$108||$1,058||$88|
|Wrangler Unlimited Sport 4WD 4-Dr||$226||$288||$454||$26||$136||$1,130||$94|
|Wrangler Sahara 4WD 2-Dr||$226||$368||$362||$22||$108||$1,086||$91|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$226||$288||$454||$26||$136||$1,130||$94|
|Wrangler Unlimited Sahara 2WD 4-Dr||$226||$288||$454||$26||$136||$1,130||$94|
|Wrangler Rubicon 4WD 2-Dr||$226||$368||$362||$22||$108||$1,086||$91|
|Wrangler Unlimited Sahara 4WD 4-Dr||$226||$368||$454||$26||$136||$1,210||$101|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$256||$368||$454||$26||$136||$1,240||$103|
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can modify coverage prices noticeably.
Figuring out which companies offer the cheapest insurance rates for a Jeep Wrangler may require a little more sweat than just getting one or two price quotes. Each insurance company has their own formula for filing rates in each state, so to begin we’ll rank the lowest cost insurance companies in Arizona.
Best Cheap Insurance Rates for Your Jeep
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,247|
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The Hartford has some of the best car insurance rates in Scottsdale at around $820 per year. This is $608 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA also make the cut as some of the lowest-priced Scottsdale, AZ auto insurance companies.
As shown in the rates above, if you buy coverage from Auto-Owners and switched to The Hartford, you may see a yearly savings of in the vicinity of $104. Policyholders with Travelers might save as much as $266 a year, and USAA insureds might see rate reductions of $271 a year.
To compare your rates to other Arizona insurance companies, click here or feel free to get quotes from the companies below.
Remember that these prices are averaged across all types of drivers and the different vehicles they drive and do not factor in a specific vehicle garaging location for a Jeep Wrangler. So the auto insurance company that can offer you the lowest price may not even be in the list above. That emphasizes why you need to get auto insurance quotes using your own specific driver and vehicle information.
Irresponsible driving raises your rates
The common sense way to snag low insurance rates in Scottsdale for a Wrangler is to drive attentively and avoid accidents and traffic violations. The illustration below illustrates how speeding tickets and at-fault accidents can raise premium costs for each different age category. Data assumes a married male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.
In the example above, the average cost of car insurance in Arizona per year with no accidents and a clean driving record is $1,554. Receive two speeding tickets and the average cost jumps to $2,128, an increase of $574 each year. Now include one accident along with the two speeding tickets and the annual cost of insurance for a Jeep Wrangler increases to an average of $2,691. That’s an increase of $1,138, or $95 per month, just for being a little careless behind the wheel!
Low rates today, overpriced tomorrow
Scottsdale, AZ insurance rates are impacted by many things that control the price you have to pay for coverage. Getting older, buying a home instead of renting, or getting a speeding ticket can trigger changes in premium that can now make some companies affordable when they were higher priced. Not only that, but companies modify pricing as often as every three months to help ensure profitability. Higher than usual claims may result in higher prices, while lower claim expenses can result in more affordable Wrangler insurance rates.
To help illustrate this point, the bar chart below demonstrates which company has the cheapest car insurance in Scottsdale, AZ for a 30-year-old female driver with no prior claims, no tickets, and a high credit rating. If we estimate rates based on her current rating profile, The Hartford might quote the most affordable car insurance rates in Scottsdale at $1,064 annually. This is $364 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the rest of the most affordable Scottsdale, AZ auto insurance companies.
The chart below compares rates after we give the driver from above a claim surcharge, a lower credit rating, and an imperfect driving record. Since each company has a unique formula for setting prices, comparing quotes could now result in a significantly different list of the cheapest Scottsdale car insurance companies as shown below.
Progressive now has the cheapest car insurance in Scottsdale with CSAA, Ameriprise Group, Allied, and Farm Bureau Mutual now being in the top five. This example shows why drivers need to shop around with many companies when trying to find the most affordable insurance quotes for a Jeep Wrangler.
Car insurance prices are impacted by many factors and can change without notice, so the best company the last time you checked may now not even be in the top five.