How Much Does Insurance Cost for a Jeep Wrangler in Delaware?

Our editors always tell us that when writing about car insurance, the word affordable should never appear anywhere to describe car insurance prices. It’s a simple fact that cheap auto insurance for a Jeep Wrangler can be hard to find. But don’t let us ruin your dream, because we are going to tell you how you can still find and buy auto insurance that is considered budget-friendly.

Your ability to find cheap car insurance for a Jeep Wrangler in Delaware hinges on a whole bunch of factors like if you are a renter or homeowner, whether you have good credit, and physical damage deductibles. Delaware drivers pay an average rate of $1,140 a year to buy Jeep Wrangler insurance, but that price is an approximation rating a 50-year-old single male that purchased both comprehensive and collision coverage and $500 physical damage deductibles.

Chances are that you are not 50 years old and maybe not even male, married instead of single, or maybe your Delaware zip code is rated higher than the example. Different coverage needs are the reason why the way we recommend to find cheap car insurance rates for your Jeep is to put in the effort and compare rates.

Compare Jeep Wrangler Insurance Rates

Vehicle trim level tends to have a direct effect on the coverage cost, so the price you pay to insure a Wrangler Sport 4WD 2-Dr will be $290 less than the price to insure the higher-priced Wrangler Unlimited Rubicon 4WD 4-Dr trim level, as shown by the rates below.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Delaware minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Estimates do not factor in specific Delaware garaging location which can decrease or increase insurance rates considerably.

Finding out which companies offer the cheapest car insurance rates for a Jeep Wrangler will involve a bit more work than just picking a company at random. Every auto insurer has a different formula to set policy rates, so we’ll go over the car insurance companies that tend to be cheaper in Delaware.

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USAA may have some of the lowest car insurance rates in Delaware at around $874 a year. Travelers, Nationwide, Atlantic States, and California Casualty would also make the list of some of the most economical Delaware car insurance companies.

In this example, if you currently have a policy with Atlantic States and switched to Travelers, you could earn savings of approxmiately $227. Insureds with California Casualty might save as much as $280 a year, and Titan policyholders might realize rate reductions of up to $320 a year.

If you want to see how much you could save, click here to start your custom quote or quote prices from the following companies.

Remember that these rates are averaged for all insureds and vehicles and and are not calculated with a specific rating modification for a Jeep Wrangler. So the car insurance company that fits your age and vehicle best may not even be included in the above rate chart. That helps illustrate why you need to get quotes using your own specific driver and vehicle information.

Rate comparison of full coverage and liability-only

Finding cheap insurance for a Jeep Wrangler in Delaware is probably important to most vehicle owners, and one common way to reduce the cost of insurance is to only buy liability coverage. The chart below compares annual premium costs with full coverage compared to only the Delaware minimum liability coverage. The information is based on no claims or violations, $1,000 deductibles, marital status is single, and no other discounts are factored in.

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Averaged for all age groups, full coverage costs $2,072 per year more than carrying just liability coverage. That may make you wonder if it’s worth it to buy full coverage. There is no written rule of when to eliminate comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

There are some situations where only buying liability is not financially feasible. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Is Geico, State Farm, Progressive, or Allstate cheaper?

When buying insurance for a Wrangler in Delaware, four companies to consider are Geico, State Farm, Progressive, and Allstate. The data below rates pricing and service ratings, plus some optional coverages shoppers can expect to find with each one.