Finding competitive car insurance for a Jeep Wrangler in California doesn’t take a ton of time, but it hinges on an enormous amount of factors such as the mileage of your daily commute, where you live, and your choice of physical damage deductibles. California drivers will pay around $1,355 a year for Wrangler insurance, but that is a valuation calculated based on a 40-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.
There is a good probability you are not 40 years old and maybe not even male, you might be married instead of single, or maybe you need higher liability limits than the state minimum. Just a very minor change in rating variables could result in a significant change in the policy cost.
There is no one cookie-cutter policy that works for everyone, so the only way to find cheap car insurance rates for your Jeep is to just take the time to compare rates yourself. Quotes only take a couple of minutes and you will be able to compare rates from top-rated car insurance companies in California.
Your Jeep’s trim level tends to have a direct impact on the annual cost of coverage, so the price to insure a Wrangler Sport 4WD 2-Dr model will be $346 less than the price to insure the more costly Wrangler Unlimited Rubicon 4WD 4-Dr version, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$236||$344||$534||$32||$160||$1,306||$109|
|Wrangler Unlimited Sport 2WD 4-Dr||$236||$344||$668||$40||$200||$1,488||$124|
|Wrangler Sport Islander Package 4WD 2-Dr||$236||$438||$534||$32||$160||$1,400||$117|
|Wrangler Unlimited Sport 4WD 4-Dr||$272||$344||$668||$40||$200||$1,524||$127|
|Wrangler Sahara 4WD 2-Dr||$272||$438||$534||$32||$160||$1,436||$120|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$272||$344||$668||$40||$200||$1,524||$127|
|Wrangler Unlimited Sahara 2WD 4-Dr||$272||$344||$668||$40||$200||$1,524||$127|
|Wrangler Rubicon 4WD 2-Dr||$272||$438||$534||$32||$160||$1,436||$120|
|Wrangler Unlimited Sahara 4WD 4-Dr||$272||$438||$668||$40||$200||$1,618||$135|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$306||$438||$668||$40||$200||$1,652||$138|
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Estimates do not factor in specific location which can raise or lower auto insurance rates significantly.
Deciding which companies quote the lowest-priced auto insurance rates for a Jeep Wrangler takes a little more effort in order to find coverage that fits your budget. Each insurance company uses their own calculation to set policy rates, so we’ll take a look at the most affordable auto insurance companies in Stockton.
It’s important that readers know that Stockton auto insurance rates are calculated based on many things that can increase the cost of your policy. Simply turning a year older, buying higher coverage limits, or getting a DUI can trigger price changes that can make some companies cheaper than before.
Best Auto Insurance Prices for Your Jeep
|Rank||Company||Cost Per Year|
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USAA has some of the most affordable car insurance rates in Stockton at around $1,121 a year. Wawanesa, Century National, Nationwide, and CSAA would also be considered some of the most economical Stockton, CA car insurance companies.
As the rates illustrate above, if you currently have a policy with Century National and switched to USAA, you could realize an annual savings of upwards of $57. Customers with Nationwide might save as much as $92 a year, and CSAA insureds might lower prices by up to $101 a year.
Understand that those estimates are averaged for all types of insureds and vehicles and and are not calculated with a specific zip code for a Jeep Wrangler. So the company that is best for you may not even be in the top 24 companies in the list above. That emphasizes why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.
Types of discounts on Stockton car insurance
Insurers that sell policies for a Jeep Wrangler may provide premium discounts that could potentially reduce rates by as much as 35% if you are eligible. A few popular companies and a selection of discounts are:
- American Family includes discounts for mySafetyValet, multi-vehicle, defensive driver, early bird, good student, bundled insurance, and accident-free.
- State Farm may include discounts for driver’s education, accident-free, Steer Clear safe driver discount, passive restraint, defensive driving training, and safe vehicle.
- 21st Century has savings for driver training, defensive driver, 55 and older, good student, theft prevention, and anti-lock brakes.
- Travelers discounts include multi-policy, payment discounts, home ownership, early quote, IntelliDrive, driver training, and new car.
- GEICO has discounts for federal employee, military active duty, good student, five-year accident-free, and anti-lock brakes.
The diagram below illustrates the difference between insurance costs with and without discounts applied to the rates. The information is based on a male driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with anti-theft, safe-driver, claim-free, multiple policy, vehicle safety, and accident-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 $579.
Why are you paying too much to insure your Wrangler?
California auto insurance rates are impacted by many things which can significantly increase or decrease the price you have to pay. Getting older, marrying your spouse, or getting caught speeding may generate price changes that can now make some companies much cheaper than others.
Not only that, but companies file new rates without warning to help ensure profitability. Higher than usual claims can result in higher priced premiums, while long-term profits can produce cheaper Wrangler insurance rates.
For example, the data below shows the company with the cheapest car insurance in Stockton, CA for a 40-year-old male driver with a good driving record, no prior claims, and a decent credit rating. Based on his current risk factors, USAA may have the best car insurance rates in Stockton at $1,371 a year. This is $280 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are also included in the cheapest Stockton, CA auto insurance companies.
Now let’s give the driver in the first chart an accident claim, slightly worse credit, and a few blemishes on his driving record. Since each insurance company uses a different method for establishing rates, analyzing rate quotes could now result in a significantly different list of the cheapest car insurance companies in Stockton as shown below.
Grange now has the lowest car insurance rate in Stockton, CA with GEICO, Allstate, Mercury, and Allied now rounding out the top five. This example proves why Stockton drivers need to compare lots of rates to get affordable insurance quotes for a Jeep Wrangler. Insurance rates are influenced by many different factors and can increase or decrease at any time, so the cheapest rate when you bought your policy may now be costing you a lot of money.