Buying the cheapest auto insurance for a Jeep Wrangler in Colorado can be pretty simple, but it is dependent upon many different factors such as whether you are married or single, what you do for a living, and any prior driving citations you have received. Drivers pay around $1,222 annually to insure their Wrangler, but that is using a 40-year-old single female driver with both comprehensive and collision coverage and $250 deductibles.
The problem with using this number is the good chance you’re not a 40-year-old female, married instead of single, or maybe you are just looking for cheap liability insurance. This example demonstrates why the only way to find the most affordable coverage for your Jeep is to just compare rates yourself.
Find Cheaper Jeep Wrangler Insurance
The trim level of your vehicle impacts the annual cost of coverage, so the price you pay to insure a Wrangler Sport 4WD 2-Dr trim level will cost $312 less than the price to insure the more expensive Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $228 | $332 | $456 | $28 | $136 | $1,180 | $98 |
| Wrangler Unlimited Sport 2WD 4-Dr | $228 | $332 | $570 | $34 | $170 | $1,334 | $111 |
| Wrangler Sport Islander Package 4WD 2-Dr | $228 | $424 | $456 | $28 | $136 | $1,272 | $106 |
| Wrangler Unlimited Sport 4WD 4-Dr | $260 | $332 | $570 | $34 | $170 | $1,366 | $114 |
| Wrangler Sahara 4WD 2-Dr | $260 | $424 | $456 | $28 | $136 | $1,304 | $109 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $260 | $332 | $570 | $34 | $170 | $1,366 | $114 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $260 | $332 | $570 | $34 | $170 | $1,366 | $114 |
| Wrangler Rubicon 4WD 2-Dr | $260 | $424 | $456 | $28 | $136 | $1,304 | $109 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $260 | $424 | $570 | $34 | $170 | $1,458 | $122 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $294 | $424 | $570 | $34 | $170 | $1,492 | $124 |
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Information does not factor in Aurora location which can decrease or increase coverage rates noticeably.
Trying to buy cost effective car insurance is easier said than done, and figuring out which company quotes the lowest-priced auto insurance rates for a Jeep Wrangler involves more quotes for comparison.
Every car insurance company uses a slightly different approach for filing rates in each state, so let’s begin by examining the auto insurance companies that tend to have lower prices in Aurora. It’s important that readers know that Aurora, CO auto insurance rates are influenced by many factors which can substantially decrease or increase the policy price. That is why consumers need to take the time to compare rates when trying to find the most affordable insurance rates for a Jeep Wrangler. Prices are calculated by many things and can change substantially, so the lowest-price company the last time you checked may now not even be in the top five.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $825 |
| 2 | Grange | $978 |
| 3 | USAA | $1,039 |
| 4 | Nationwide | $1,109 |
| 5 | GEICO | $1,152 |
| 6 | Auto-Owners | $1,204 |
| 7 | Travelers | $1,219 |
| 8 | State Farm | $1,259 |
| 9 | American Family | $1,314 |
| 10 | Amica | $1,353 |
| 11 | Progressive | $1,362 |
| 12 | California Casualty | $1,444 |
| 13 | Allied | $1,483 |
| 14 | Colorado Farm Bureau | $1,624 |
| 15 | Farmers | $1,629 |
| 16 | MetLife | $1,830 |
| 17 | Allstate | $2,055 |
| 18 | Encompass | $2,187 |
| 19 | Safeco | $2,472 |
| 20 | Titan | $2,657 |
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The Hartford may have some of the cheapest car insurance rates in Aurora at around $825 annually. This is $753 less than the average premium paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO would also be considered some of the more affordable Aurora, CO car insurance companies.
As depicted above, if you are a customer of Nationwide and switched to Grange, you may see an annual premium reduction of in the vicinity of $131. Customers with GEICO could save as much as $174 a year, and Auto-Owners customers might lower prices by $226 a year.
Remember that these prices are averages for all types of drivers and the different vehicles they drive and and are not figured with a specific location for a Jeep Wrangler. So the car insurance company that has the cheapest price for you may not even be in the top 21 companies in the list above. That emphasizes why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.
Should you buy full coverage?
Finding cheaper auto insurance is probably important to the majority of drivers, and one common way to reduce the cost of insurance for a Jeep Wrangler is to only pay for liability coverage. The information below shows the difference between premium costs with full physical damage coverage compared to only buying liability only. The premiums assume no accidents or driving violations, $1,000 deductibles, single status, and no discounts are taken into consideration.
If the expense is averaged for all age categories, physical damage coverage on your policy costs an additional $1,799 per year more than just insuring for liability. Many drivers will wonder if you should buy full coverage. There is no set rule of when to eliminate full coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.
There are some scenarios where dropping physical damage coverage is not advised. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage.
Get discounts on Aurora car insurance
Insurers that offer coverage for a Jeep Wrangler could also offer rate discounts that could lower prices by 35% or more if you meet specific criteria. A list of companies and their offered discounts are detailed below.
- GEICO offers discounts for daytime running lights, emergency military deployment, air bags, five-year accident-free, driver training, and multi-vehicle.
- MetLife offers discounts including claim-free, defensive driver, multi-policy, good driver, good student, and accident-free.
- State Farm policyholders can earn discounts including anti-theft, safe vehicle, driver’s education, good student, and good driver.
- Progressive offers premium reductions for online quote discount, continuous coverage, online signing, good student, multi-policy, and multi-vehicle.
- Mercury Insurance has savings for ease of repair, good student, location of vehicle, annual mileage, accident-free, age of vehicle, and multi-policy.
- 21st Century discounts include early bird, automatic seat belts, student driver, 55 and older, and defensive driver.
- Allstate may include discounts for good student, EZ pay plan discount, senior citizen, defensive driver, auto/life discount, and resident student.
The illustration below shows the comparison of insurance costs with and without policy discounts. The information is based on a female driver, no violations or claims, Colorado state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with multiple vehicle, homeowner, safe-driver, multiple policy, anti-theft, and claim-free discounts applied. When these discounts are applied to the policy premium, theaverage amount saved on auto insurance for a Jeep Wrangler is 28% or $556.
How to find budget-friendly auto insurance for a Jeep Wrangler
Lowering your rates is not difficult, and here are some of the better penny-pinching ideas that can help Aurora drivers get cheaper auto insurance.
- Drive safe vehicles
- Avoid having at-fault accidents
- Drivers with good credit ratings often pay less
- Older vehicles may not need full coverage
- Multi-policy discounts save money
- Shop around for cheaper rates regularly
The last tip is remarkably valuable, as was emphasized in the prior information. Car insurance prices adjust frequently, so don’t be afraid to change insurance companies if you find a better deal.
We understand brand loyalty, but it isn’t a good idea if it’s costing you lots of money. If you have a few minutes, compare rates to find cheaper auto insurance for a Jeep Wrangler in Aurora.
The auto insurance agents in Aurora shown below are willing to help you make a decision which insurance coverage you need, as lots of people like to get some guidance when shopping for cheaper insurance for a Wrangler. It can be challenging to find the cheapest car insurance policy, and getting advice from a licensed agent can provide you comfort knowing you have adequate protection in the event of a claim. To find an Aurora insurance agent close to where you live, click the button following the list.
- Greg Gallegos-State Farm Insurance Agent
4550 S Reservoir Rd, D – Aurora, CO 80015 – (720) 242-6011 - American Family Insurance – Denise M. Franklyn
13768 E Quincy Ave – Aurora, CO 80015 – (303) 693-8968 - Dickson Insurance Agency
4093 S Olathe Ct – Aurora, CO 80013 – (303) 693-1936