Buying affordable auto insurance for a Jeep Wrangler doesn’t take a lot of effort, but it hinges on many different factors such as how safe your vehicle is, what you do for a living, and blemishes on your driving record. Drivers in Texas pay around $953 each year to insure their Wrangler, but that price is a projection calculated based on a 50-year-old single female driver with full physical damage coverage and $1,000 deductibles.
But there is a high likelihood that you are not 50 years old and maybe not even female, married instead of single, or maybe you’re a renter instead of a homeowner. Just a slight change in the rating criteria used to formulate rates can result in a massive change in the cost of a policy.
Auto insurance is not the same for everyone, so the best way to find affordable rates for your Jeep is to do your own rate comparisons. Comparing quotes is easy and you will get price quotes from the best auto insurance companies available.
The trim level of your vehicle tends to have a direct effect on the cost of insurance, so the price you pay to insure a Wrangler Sport 4WD 2-Dr model will be $244 less than the cost to insure the fancier Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$136||$196||$430||$26||$128||$916||$76|
|Wrangler Unlimited Sport 2WD 4-Dr||$136||$196||$538||$32||$162||$1,064||$89|
|Wrangler Sport Islander Package 4WD 2-Dr||$136||$252||$430||$26||$128||$972||$81|
|Wrangler Unlimited Sport 4WD 4-Dr||$156||$196||$538||$32||$162||$1,084||$90|
|Wrangler Sahara 4WD 2-Dr||$156||$252||$430||$26||$128||$992||$83|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$156||$196||$538||$32||$162||$1,084||$90|
|Wrangler Unlimited Sahara 2WD 4-Dr||$156||$196||$538||$32||$162||$1,084||$90|
|Wrangler Rubicon 4WD 2-Dr||$156||$252||$430||$26||$128||$992||$83|
|Wrangler Unlimited Sahara 4WD 4-Dr||$156||$252||$538||$32||$162||$1,140||$95|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$176||$252||$538||$32||$162||$1,160||$97|
|Get Your Own Custom Quote Go|
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in garaging location in Dallas which can change price quotes noticeably.
What is the best insurance company in Dallas?
Choosing a highly-rated insurer is hard considering how many companies there are in Dallas. The company rank data below can help you select which insurers to look at purchasing a policy from.
These ratings include the largest auto insurers in America, so companies that may only write in Texas are not included in this list. If you would like to check rates from these and other competitive companies, click this link.
Top 10 Major Auto Insurance Companies Overall in Dallas
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
Discounts on Dallas car insurance rates
Auto insurance companies that provide policies for a Jeep Wrangler may also provide premium discounts that may potentially lower prices by 30% or more if you meet eligibility requirements. The best insurance companies and some of the premium reductions they offer can be read below.
- Farm Bureau may have discounts that include 55 and retired, multi-policy, youthful driver, driver training, renewal discount, and good student.
- State Farm includes discounts for good driver, student away at school, safe vehicle, multiple policy, Steer Clear safe driver discount, and accident-free.
- Progressive has discounts for continuous coverage, online signing, good student, multi-policy, homeowner, and online quote discount.
- Allstate has savings for new car, utility vehicle, eSmart discount, teenSMART discount, auto/life discount, early signing, and multi-policy.
- Nationwide may offer discounts for easy pay, family plan, business or organization, defensive driving, multi-policy, and Farm Bureau membership.
- MetLife offers premium reductions for defensive driver, good student, good driver, accident-free, and claim-free.
The information below illustrates the comparison of insurance costs with and without discounts applied to the policy rates. The information is based on a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with multiple policy, defensive driving course, passive restraint, marriage, accident-free, and vehicle safety discounts applied. When drivers qualify for the discounts, the average yearly reduction on insurance for a Jeep Wrangler is 28% or $499.
The chart below demonstrates how choosing different deductibles can increase or decrease yearly insurance costs when researching cheap insurance for a Jeep Wrangler. The prices are based on a single male driver, comp and collision included, and no policy discounts are applied.
A 30-year-old driver could lower their policy premium by $310 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $474 by changing to a $1,000 deductible. Even younger insureds, like the Age 20 category, could possibly save up to $880 every year by choosing a larger deductible amount. When raising deductibles, it’s a good idea to have enough savings set aside to be able to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
How accidents and tickets impact rates
The obvious way to receive good insurance prices in Dallas for a Wrangler is to drive cautiously and not receive tickets or have accidents. The information below demonstrates how traffic citations and at-fault accidents influence auto insurance costs for different ages of insureds. The premiums are based on a single female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.
The data in the chart shows the average cost of car insurance in Dallas per year with no accidents and a clean driving record is $2,002. Factor in one speeding ticket and the average cost jumps to $2,273, an increase of $272 each year. Then throw in one accident along with the one speeding ticket and the annual cost of insurance for a Jeep Wrangler jumps again to an average of $3,006. That’s an increase of $1,004, or $84 per month, just for being a less-than-perfect driver!