Cheap Insurance Quotes for a Jeep Wrangler in Ohio

When the topic is car insurance, the words cheap or affordable should not be used as a descriptor for car insurance rates. It’s a simple fact that cheap auto insurance for a Jeep Wrangler can be difficult to find. We’ll try to make it up to you, because we can show you some ways you can find and buy coverage that most people can afford.

Your chances of finding cheap car insurance for a Jeep Wrangler in Ohio relies on a lot of rating factors such as the number of years of driving experience you have, whether or not you are currently insured, and any prior driving offenses. Drivers in Ohio pay approximately $690 a year to insure a Wrangler, but that is an approximation assuming a 50-year-old single female driver with comprehensive and collision coverage and $250 physical damage deductibles.

It’s more than likely that you’re not a 50-year-old female, possibly married instead of single, or maybe you just want liability only. Auto insurance requires individual risk assessment, so the way we recommend to find cheap insurance rates for your Jeep is to make a habit of comparing prices at least once a year.

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Vehicle trim level will likely have an effect on price, so the rate you pay to insure a Wrangler Sport 4WD 2-Dr will be $176 less than the insurance cost for the higher-priced Wrangler Unlimited Rubicon 4WD 4-Dr trim level, as shown in the table below.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Prices do not factor in vehicle location which can impact auto insurance rates noticeably.

Ratings for Ohio car insurance companies

Picking a good quality car insurance provider is difficult considering how many different insurance companies sell coverage in Ohio. The information shown below may help you decide which coverage providers you want to consider when trying to find cheaper insurance for a Jeep Wrangler. The ratings below only include the largest companies in the United States, so companies without a large exposure are not factored into these rankings.

Rate comparison of full coverage and liability-only

Finding cheap insurance for a Jeep Wrangler in Ohio is the goal of the majority of drivers, and an easy way to buy cheap insurance is to only pay for liability coverage. The diagram below compares premium costs with full phyical damage coverage and with liability coverage only. The premiums are based on no tickets, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are applied.

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Averaged out for all age groups, full coverage on your policy costs $1,198 per year more than just buying liability insurance. Many of you may wonder if it’s a good idea to buy full coverage. There is no exact formula that is best for determining when to drop physical damage coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

Best rates: Allstate, State Farm, Geico, or Progressive

If you’re looking for the best insurance for a Wrangler in Ohio, the top insurers to get price quotes from are Allstate, State Farm, Geico, and Progressive. When added together, they make up about 50% of all policies written in the United States. The table below breaks down pricing and service ratings, plus some optional coverages offered by each one.