Best Cheap Insurance Quotes for a Jeep Wrangler in Arizona

Our content editors always give us grief that when writing about auto insurance, the word “cheap” really should not be used anywhere in the article as a descriptor for auto insurance rates. Be that as it may, cheap auto insurance for a Jeep Wrangler can be hard, if not impossible, to find. Don’t let that get you down, though, because we can show you some ways you can get auto insurance that is easy on your budget.

Your chances of finding the cheapest car insurance for a Jeep Wrangler in Arizona depends on a complex formula that factors things such as miles driven annually, whether you are claim-free, and the deductible amount you use. Arizona drivers pay an average rate of $910 per year to insure a Wrangler, but that figure is a projection based on rate data for a 50-year-old single female that has full comprehensive and collision coverage and $250 deductibles.

This brings up the issue that more than likely you are not a 50-year-old female, married instead of single, or maybe you do not need full coverage. Everyone has different rating factors, so the best way to quote the cheapest coverage for your Jeep is to do your own rate comparisons. Quotes are free and you will receive prices from some of the best companies around.

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The trim level of your Jeep will be a contributing factor to the insurance rate, so the rate you will pay to insure a Wrangler Sport 4WD 2-Dr trim level will be $234 cheaper than the cost to insure the high end Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown in the chart below.

Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in specific location information which can increase or decrease auto insurance rates significantly.

Trying to buy cheap auto insurance is tough enough, and deciding which company offers the most affordable auto insurance rates for a Jeep Wrangler requires even more shopping around. Every auto insurer has their own unique process to establish rates, so first we will examine the lowest cost auto insurance companies in Arizona.

It’s a good idea to be aware that Arizona auto insurance rates are impacted by many factors that may substantially change the price you pay. Simply getting older, buying a different vehicle, or getting a DUI can trigger rate changes that can cause some rates to be more affordable than the competition.

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The Hartford normally has some of the cheapest car insurance rates in Arizona at around $820 per year. Safeco, Auto-Owners, Travelers, and USAA also rank well as some of the lowest-priced Arizona auto insurance companies.

As the rates illustrate above, if you have coverage with USAA and switched to Safeco, you could see an annual premium reduction of around $184. Insureds with GEICO might save as much as $246 a year, and Progressive policyholders might see rate reductions of $268 a year.

To see if your current coverage is too expensive, click here or visit any of the low-priced companies below.

Bear in mind that those estimates are averages for all types of drivers and the different vehicles they drive and do not take into consideration a specific rating modification for a Jeep Wrangler. So the car insurance company that fits your needs best may not even be included in the list of companies shown earlier. That helps illustrate why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.

Discounts on the best cheap insurance for a Jeep Wrangler in Arizona

Car insurance companies that provide coverage for a Jeep Wrangler may additionally offer policy discounts that could potentially reduce rates by 25% or more if you are eligible. Larger auto insurance companies and some of their more popular discounts are:

The example below shows the comparison of insurance rates with and without policy discounts. The premium estimates are based on a female driver, no claims or driving violations, Arizona 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 shows the rates with claim-free, accident-free, safe-driver, multiple vehicle, passive restraint, and vehicle safety discounts applied. In this example, the the average amount saved on auto insurance for a Jeep Wrangler is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2043,1471],[‘Age 30’, 1389,1007],[‘Age 40’, 1297,941],[‘Age 50’, 1137,825],[‘Age 60’, 1097,797],[‘Age 70’, 1291,931]]);var options = {title: ‘Comparison of Insurance Rates for a Jeep Wrangler’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Wrangler’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Rate increases following a ticket or accident

In a perfect world, the ideal way to earn good auto insurance rates for a Wrangler is to drive safe and have a clean driving record. The diagram below shows how violations and fender-benders impact auto insurance rates for different categories of driver ages. Data assumes a single female driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2395,2611,3195],[‘Age 30’, 1617,1835,2415],[‘Age 40’, 1515,1733,2317],[‘Age 50’, 1327,1543,2125],[‘Age 60’, 1281,1499,2083],[‘Age 70’, 1511,1729,2315]]);var options = {title: ‘Impact of Violations and Accidents on Arizona Jeep Wrangler Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Wrangler in Arizona’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data in the chart shows the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,608. Receive one speeding ticket and the average cost rises to $1,825, an increase of $217 each year. Now throw in one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Jeep Wrangler jumps again to an average of $2,408. That’s an increase of $801, or $67 per month, just for not paying attention while driving!

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

If you want reliable insurance for a Wrangler in Arizona, the four most popular companies are Allstate, State Farm, Progressive, and Geico. Combined they make up nearly half of all auto insurance written. They all offer your standard coverages, but each one has different features and discounts that you can select from. The following table points out pricing and service ratings, plus some optional coverages that are available.