Best Cheap Insurance for a Jeep Wrangler in Hawaii

When talking about car insurance, the word cheap should never appear anywhere in the article to describe car insurance rates. It’s just reality that cheap car insurance for a Jeep Wrangler can be hard to find. Don’t let that get you down, though, because we can show you some ways you can still get car insurance that fits into your budget.

Your ability to find cheap coverage for a Jeep Wrangler in Hawaii relies on a large number of factors such as whether you are married, whether or not you garage your vehicle, and your choice of physical damage deductibles. Hawaii drivers pay on average $630 per year to insure a Wrangler, but that price is using rating data for a 50-year-old married male driver with full physical damage coverage and $500 deductibles.

There is a good probability you are not 50 and maybe not even a male, maybe you are single instead of married, or maybe you’ve had an at-fault accident or two. Just a minor difference in policy rating variables can make a big difference in rates.

Auto insurance is not the same for everyone, so the only way to find the cheapest rates for your Jeep is to do a thorough rate comparison.

Click Here to Start Your Quote

The specific trim level has an effect on the yearly cost, so the price you will be charged to insure a Wrangler Sport 4WD 2-Dr model will be $162 less than the insurance cost for the higher-priced Wrangler Unlimited Rubicon 4WD 4-Dr model, as demonstrated by the prices below.

Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can change premiums considerably.

Best insurance in Hawaii

Selecting a high-quality insurance company can be difficult considering how many companies are available to choose from in Hawaii. The rank data listed below could help you decide which providers to look at when shopping insurance around for a Jeep Wrangler. These ratings only include companies that write coverage in many states, so companies that focus mainly on Hawaii business will not be included in these rankings.

Top 10 Large Car Insurance Companies in Hawaii Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. Progressive
5. Allstate
6. American Family
7. AAA Insurance
8. Nationwide
9. Liberty Mutual
10. Farmers Insurance

Top 10 Large Car Insurance Companies in Hawaii Ranked by Customer Satisfaction

1. USAA – 94%
2. AAA Insurance – 91%
3. Nationwide – 90%
4. State Farm – 90%
5. GEICO – 89%
6. The Hartford – 89%
7. Allstate – 88%
8. Liberty Mutual – 88%
9. Progressive – 87%
10. Esurance – 87%

Top Companies for Jeep Wrangler Insurance in Hawaii

The chart below illustrates how your deductible choice can change yearly insurance costs when trying to find cheap insurance for a Jeep Wrangler. The premiums assume a married female driver, full coverage, and no policy discounts are applied.

The chart above illustrates that a 30-year-old driver could reduce rates by $226 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $346 by choosing a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could potentially save $492 each year by using higher deductibles when buying full coverage. If you do decide to increase your deductibles, it will be important to have emergency funds available to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Irresponsible driving raises your rates

The easiest way to obtain affordable insurance rates for a Wrangler is to be a safe driver and avoid accidents and keep your driving record clean. The illustration below demonstrates how citations and accidents increase annual premium costs for each age group. The rate quotes are based on a single male driver, full coverage, $100 deductibles, and no policy discounts are applied.

The data above shows the average cost of car insurance in Hawaii per year with no violations or accidents is $1,719. Receive one speeding ticket and the average cost swells to $1,938, an increase of $220 each year. Now get two accidents along with the one speeding ticket and the yearly cost of insurance for a Jeep Wrangler goes up to an average of $3,936. That’s an increase of $2,217, or $185 per month, just for not being a responsible driver!

How to find the best cheap insurance for a Jeep Wrangler in Hawaii

Lowering your rates is not difficult, and here are a few penny-pinching solutions that can help Hawaii drivers find more affordable auto insurance.

• Buy a vehicle with excellent safety ratings
• Clean up your credit rating
• Drop full coverage on older vehicles
• Avoid getting tickets or violations
• Accidents can significantly increase rates
• Raise comprehensive and collision coverage deductibles
• Comparison shop at least every other year

That last piece of advice is extraordinarily valuable, as was noted in the prior article. Prices charged by car insurance companies vary considerably, so drivers shouldn’t hesitate to buy a policy from a new company if a cheaper price is available.

Many drivers have brand loyalty and that’s fine, but we do not recommend it if that loyalty ends up costing major coinage every year. Spend a few minutes and shop around and find cheaper auto insurance for a Jeep Wrangler.

Best cheap Jeep Wrangler insurance quotes

There are many ways to compare cheaper insurance rates in Hawaii, but the three most common are either through a captive (or exclusive) agency like Allstate or Liberty Mutual, a non-exclusive or independent agent, or from a direct company like Geico. They all have the same end result, but they are slightly different in how they provide price quotes.

Independent insurance agencies write for multiple companies and can compare rates with every one. These agents are not locked into one company and can provide you with more rates, which can give you a better chance of saving money. If a cheaper rate is found, the business is moved internally and the insured can keep the same agent.

An exclusive ageny is limited to a single company, examples being an Auto-Owners or Allstate agent. Exclusive agencies are unable to provide other companys’ prices, so they have to upsell other benefits.

When you buy insurance direct, you bypass local insurance agents and instead buy direct online or over the phone from a company like Geico or Progressive. Shopping direct can be a good choice for families who have an average risk profile and have a good understanding of how insurance works and possible exclusions.

Which way is best for finding the best cheap insurance for a Jeep Wrangler in Hawaii? Our initial answer would be buying from a direct company results in the best prices since that prevents the need to pay agent commissions, but in reality, that is not true. We could also assume that buying insurance from an independent agent results in the cheapest rates since they have access to many companies, but that idea is not necessarily true either. In some circumstances, the exclusive agents have really good rates that independents and direct companies can’t touch.

Due to the large number of rating factors, the one way to get rock-bottom rates is to get rate quotes and compare. It’s a good idea to get quotes from all three types to get a good idea who is cheapest. For a list of insurance companies with low rates, click here to view.