Cheap Insurance for a Jeep Wrangler in South Dakota

The odds of finding the best cheap coverage for a Jeep Wrangler in South Dakota depends upon a whole bunch of rating criteria such as your marital status, the condition of your credit, and if you have a history of accidents. Drivers will pay around $820 each year to buy insurance for a Jeep Wrangler, but that amount is an approximation using rating data for a 50-year-old single female who needs full comprehensive and collision coverage and $500 physical damage deductibles.

Most likely you’re not a 50-year-old female, you might be married instead of single, or maybe you just want to insure for liability only. Auto insurance is not the same for everyone, so your best chance at finding the cheapest coverage for your Jeep is to put in the effort to do a thorough rate comparison. It only takes a couple of minutes and you will receive rate quotes from the best companies that offer coverage in South Dakota.

Insure Your Jeep for Less

The trim level of your Jeep has an effect on the annual cost of coverage, so the price you pay to insure a Wrangler Sport 4WD 2-Dr trim level will be $206 less than the price to insure the high end Wrangler Unlimited Rubicon 4WD 4-Dr version, as shown by the rates below.

Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price estimates do not factor in South Dakota location which can influence insurance rates noticeably.

Trying to buy cost effective car insurance is hard enough, and figuring out which company offers the lowest-priced insurance rates for a Jeep Wrangler calls for additional perseverance. Every car insurance company has their own process for determining rates in each state, so let’s begin by taking a look at the lowest cost insurance companies in South Dakota.

It’s important to understand that South Dakota insurance rates are impacted by many factors that will increase or decrease the cost of your policy. Things like getting older, filing a claim, or getting a few speeding tickets can trigger price changes that can now make some companies higher-priced than the competition.

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USAA normally has some of the cheapest car insurance rates in South Dakota at around $631 a year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Unitrin would also make the list of some of the most economical South Dakota auto insurance companies.

As the rates illustrate above, if you currently have a policy with State Farm and switched to USAA, you could realize a yearly price reduction of in the neighborhood of $346. Customers with Farmers Mutual of Nebraska may save as much as $395 a year, and Unitrin insureds might see rate reductions of $412 a year.

To compare your rates to other South Dakota insurance companies, click here to start a quote or quote rates from the companies below.

Bear in mind that those rates are averages for all types of insureds and vehicles and and are not figured with a specific rating modification for a Jeep Wrangler. So the auto insurance company that fits your age and vehicle best may not even be in the list of companies above. That point stresses why you need to compare prices as often as possible using your own driver information and specific vehicle type.

Types of discounts on South Dakota insurance

Insurance companies that provide cheap insurance for a Jeep Wrangler in South Dakota may provide premium discounts that can reduce rates by as much as 30% if you are eligible for them. The best insurance companies and their offered discounts are detailed below.

• State Farm includes discounts for anti-theft, good driver, multiple policy, safe vehicle, and Steer Clear safe driver discount.
• Progressive offers discounts for homeowner, good student, multi-vehicle, online quote discount, online signing, and continuous coverage.
• Progressive offers discounts including good student, continuous coverage, multi-vehicle, online signing, multi-policy, homeowner, and online quote discount.
• MetLife may offer discounts for claim-free, good driver, accident-free, defensive driver, and multi-policy.
• Farm Bureau policyholders can earn discounts including 55 and retired, multi-policy, youthful driver, good student, safe driver, and multi-vehicle.
• GEICO has savings for air bags, daytime running lights, defensive driver, federal employee, and good student.
• SAFECO has discounts for bundle discounts, homeowner, anti-theft, drive less, safe driver, and accident prevention training.

The example below shows the comparison of annual premium costs with and without discounts applied to the rates. The rates are based on a female driver, no accidents, no driving violations, South Dakota state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with anti-theft, marriage, homeowner, multiple policy, accident-free, and passive restraint discounts applied. When these discounts are applied to the policy premium, the the average amount saved on insurance for a Jeep Wrangler is 28% or $406.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2183,1563],[‘Age 30’, 1451,1049],[‘Age 40’, 1365,989],[‘Age 50’, 1195,863],[‘Age 60’, 1159,839],[‘Age 70’, 1375,989]]);var options = {title: ‘Insurance Rate Comparison 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 in South Dakota’,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);}

Should you buy full coverage?

Finding cheap insurance for a Jeep Wrangler in South Dakota is the goal of most people, and one of the best ways to pay less for insurance is to only buy liability coverage. The example below visualizes the comparison of auto insurance costs with liability coverage only compared to full coverage. The premiums are based on no violations or accidents, $250 deductibles, single status, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 2897,1051],[‘Age 30’, 1545,579],[‘Age 40’, 1509,537],[‘Age 50’, 1375,503],[‘Age 60’, 1331,495],[‘Age 70’, 1621,659]]);var options = {title: ‘Full Coverage Rates Compared to Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Wrangler in South Dakota’,minValue: 0,format: ‘$###,###’},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(‘qcibfcl’));chart.draw(data, options);}

Averaged for all age groups, physical damage coverage costs $1,713 per year over and above liability only. That is a significant amount which raises the question when is it a good idea to stop buying full coverage. There is no clear-cut formula of when to phase out physical damage insurance, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let’s say your vehicle’s settlement value is $6,500 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,500 after the policy deductible has been paid. If you are paying in excess of $550 annually for physical damage coverage, then it may be the right time to buy liability only.

Geico vs State Farm vs Allstate vs Progressive

If you want reliable auto insurance, the companies that insure more vehicles than anyone else are Geico, State Farm, Allstate, and Progressive. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a unique set of features, discounts, and options that add value to each policy. The following table illustrates pricing and service ratings, plus some optional coverages that are available for customers.