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

Anytime the topic is auto insurance, the word cheap should never be used anywhere in the article. Sad but true, cheap auto insurance for a Jeep Wrangler can seem impossible to find. Don’t let that spoil your day, because we can show you some ways you can still get auto insurance that is more affordable than your current policy.

The likelihood of finding affordable insurance for a Jeep Wrangler in Kentucky depends upon a fairly complex equation with a lot of factors such as the mileage of your daily commute, if you have ever had a gap in coverage, and citations or violations on your driving record. Drivers on average will pay $870 annually to insure a Jeep Wrangler, but that price is a valuation using rating data for a 40-year-old married female driver that wants both comprehensive and collision coverage and $500 deductibles.

There is a really good chance that you are not 40 years old and maybe not even female, you might be single instead of married, or maybe you prefer to not insure for full coverage. Even a slight change in rating variables or coverage information can induce significant differences in rate quotes.

Everone’s needs are different, and this illustrates why the way we recommend to find the cheapest insurance price for your Jeep is to compare rates from as many companies as possible.

View Jeep Wrangler Insurance Rates

Your vehicle’s trim level tends to impact the annual cost of coverage, so the rate you will pay to insure a Wrangler Sport 4WD 2-Dr model will be $224 less expensive the insurance cost for the high end Wrangler Unlimited Rubicon 4WD 4-Dr trim level, as demonstrated by the prices below.

Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in garaging location in Kentucky which can lower or raise coverage prices substantially.

Buying coverage from a high-quality company can be challenging considering how many choices drivers have in Kentucky. The company information listed below can help you decide which coverage providers you want to consider purchasing a policy from. These ratings include companies who write in the majority of U.S. states, so companies that have a smaller presence are not factored into the list.

Drive safe and save

The easiest way to enjoy cheap insurance for a Jeep Wrangler in Kentucky is to be a cautious driver and have a clean driving record. The diagram below shows how traffic citations and at-fault collisions can raise insurance premiums for each different age group. The information is based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied.

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In the previous example, the average cost of auto insurance per year with no accidents and a clean driving record is $1,951. Add in one speeding ticket and the average cost increases to $2,212, an increase of $261 each year. Now get two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a Jeep Wrangler goes up to an average of $4,431. That’s an increase of $2,480, or $207 per month, just for being a careless driver!

How to find budget-friendly car insurance for a Jeep Wrangler

It’s not impossible to find cheaper rates, and here are many money-saving ideas that can help drivers find the cheapest coverage.

• Do not get tickets or violations
• Do not get into accidents that are your fault
• Raise comprehensive and collision coverage deductibles
• Increase your credit rating
• Buy a car with high safety ratings
• Do not waste money insuring older vehicles for full coverage
• Compare rates regularly to ensure the best deal

That last idea is highly important, as we stressed in the prior information. Auto insurance rates in Kentucky change frequently, so drivers shouldn’t hesitate to buy a policy from a new company if a cheaper rate is available.

Many drivers tend to have loyalty to a certain company, but it’s not recommended if your bullheadedness ends up costing you a small fortune year after year. It only take a few minutes to compare rates to find cheaper auto insurance for a Jeep Wrangler.