Finding the cheapest auto insurance for a Jeep Wrangler in California doesn’t take a ton of time, but it is dependent upon a pretty complex algorithm that uses a lot of factors such as whether you are male or female, your residence address, and driving citations. California drivers will pay around $1,411 annually for Wrangler insurance, but that amount is an estimation calculated based on a 30-year-old single male driver with full physical damage coverage and $500 deductibles.
If we were betting, you are not 30 years old and maybe not even male, you might be married instead of single, or maybe you just want liability only. Even a slight change in rating criteria can result in a big discrepancy in the cost of insuring your Wrangler.
Car insurance coverage is unique to each driver, so this is why the best way to find the cheapest insurance price for your Jeep is to compare rates from as many companies as possible.
Your Jeep’s trim level impacts the yearly cost, so the price to insure a Wrangler Sport 4WD 2-Dr model will be $362 cheaper than the cost to insure the higher-priced Wrangler Unlimited Rubicon 4WD 4-Dr version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$276||$298||$578||$34||$174||$1,360||$113|
|Wrangler Unlimited Sport 2WD 4-Dr||$276||$298||$724||$42||$216||$1,556||$130|
|Wrangler Sport Islander Package 4WD 2-Dr||$276||$382||$578||$34||$174||$1,444||$120|
|Wrangler Unlimited Sport 4WD 4-Dr||$316||$298||$724||$42||$216||$1,596||$133|
|Wrangler Sahara 4WD 2-Dr||$316||$382||$578||$34||$174||$1,484||$124|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$316||$298||$724||$42||$216||$1,596||$133|
|Wrangler Unlimited Sahara 2WD 4-Dr||$316||$298||$724||$42||$216||$1,596||$133|
|Wrangler Rubicon 4WD 2-Dr||$316||$382||$578||$34||$174||$1,484||$124|
|Wrangler Unlimited Sahara 4WD 4-Dr||$316||$382||$724||$42||$216||$1,680||$140|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$358||$382||$724||$42||$216||$1,722||$144|
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Premium costs do not factor in zip code location which can change price quotes significantly.
Deciding which company has the lowest-priced car insurance rates for a Jeep Wrangler takes more time than just comparing rates from one or two companies. Each insurer uses their own formula for establishing rates, so let’s take a look at the most competitive car insurance companies in Riverside.
It’s important that readers know that California car insurance rates are based on many factors that control the policy price. Simply having another birthday, buying a different home, or getting a driving violation can produce rate changes resulting in some companies being cheaper than others.
Best Auto Insurance Prices for Your Jeep
|Rank||Company||Cost Per Year|
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USAA quotes some of the best car insurance rates in Riverside at around $1,155 a year. This is $496 less than the average rate paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide would also be considered some of the best Riverside, CA auto insurance companies.
In this example, if you are a customer of Nationwide and switched to Century National, you might realize a yearly price reduction of approximately $85. Insureds with 21st Century could save as much as $160 a year, and Grange customers might cut rates by $255 a year.
To get a quick, customized rate comparison, click here or click several companies below for low rates.
Understand that those premiums are averages for all types of insureds and vehicles and do not take into consideration an exact location for a Jeep Wrangler. So the company that has the cheapest price for you may not even be in the top 24 companies shown above. That points out the importance of why you need to compare rates from multiple companies using your own individual information.
Responsible drivers pay cheaper car insurance rates
The ideal way to score cheap car insurance prices in California for a Wrangler is to be a good driver and avoid accidents and keep your driving record clean. The diagram below illustrates how speeding tickets and at-fault fender-benders can affect insurance prices for different age groups of insureds. The costs are based on a single male driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
In the prior example, the average cost of a car insurance policy per year with a clean driving record and no accidents is $2,108. Get one speeding ticket and the average cost increases to $2,380, an increase of $272 each year. Next add one accident along with the one speeding ticket and the 12-month cost of car insurance for a Jeep Wrangler goes up to an average of $3,117. That’s an increase of $1,009, or $84 per month, just for not maintaining a clean driving record!
Last year’s bargain might be this year’s rip off
California car insurance rates are based on many factors which can substantially decrease or increase your annual premium. Turning one year older, becoming a homeowner, or getting a DUI may prompt premium changes that may make certain companies more affordable than the competition. Not only may your situation change, but car insurance companies change rates without warning to adjust for heavy claims or excess profits. Heavy losses may cause a rate increase, while lower claim levels can cause lower-cost Wrangler insurance rates.
As an example, the bar chart below shows which companies have the cheapest car insurance in Riverside, CA for a 30-year-old male driver with no prior claims, no tickets, and solid credit. If we look at prices based on his personal risk profile, USAA might quote the cheapest car insurance rates in Riverside at $1,292 each year. This is $359 less than the average premium paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA are also included in the cheapest Riverside, CA auto insurance companies.
In this example, we will give the driver from above some claims, less-than-perfect credit, and a few traffic violations. Because each company uses their own formula to determining premium rates, comparing rates may result in a different set of affordable companies as shown below.
Grange now has the best insurance rate in Riverside, CA with Mercury, Progressive, GEICO, and Allstate now rounding out the top five. This demonstrates why California drivers need to compare rates to get the most budget-friendly insurance quotes for a Jeep Wrangler.
Insurance rates consist of many risk factors and change frequently, so the most economical option three years ago may now be quite expensive.