How Much is Auto Insurance for a Jeep Wrangler in San Diego?

Jeep Wrangler insurance cost image courtesy of QuoteInspector.com

Buying cheap insurance for a Jeep Wrangler in California is pretty easy to do, but it depends on a lot of rating factors such as how you use your Wrangler, whether you are claim-free, and your choice of deductibles. Drivers pay approximately $1,656 annually to insure their Wrangler, but that figure is a valuation based on a 40-year-old single female driver with both comprehensive and collision coverage and $100 deductibles.

Most likely you're not a 40-year-old female, married instead of single, or you just want cheap liability insurance instead of full coverage. There is no perfect policy for every driver, so the best method for finding the most affordable coverage for your Jeep is to compare rates from as many companies as possible.

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The trim level of your vehicle tends to have a direct impact on the cost of coverage, so the cost to insure a Wrangler Sport 4WD 2-Dr model will be $426 cheaper than the cost to insure the more well-appointed Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown in the table below.

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in vehicle location which can modify premium rates significantly.

Finding dependable, cheap insurance is confusing at best, and determining which companies offer the most affordable auto insurance rates for a Jeep Wrangler calls for additional perseverance. Each insurance company uses a slightly different approach for establishing rates, so we'll take a look at the most competitive auto insurance companies in California.

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USAA may have some of the most affordable car insurance rates in San Diego at around $1,143 annually. This is $508 less than the average rate paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide also qualify as some of the most economical San Diego, CA car insurance companies.

In the above example, if you currently have coverage with CSAA and switched to Century National, you could earn savings of approximately $44. Insureds with Nationwide may save as much as $48 a year, and 21st Century insureds might reduce prices by as much as $160 a year.

To find cheaper insurance rates for your vehicle, click here or click several companies below for low rates.

Be aware that those prices are averaged across all drivers and vehicles and and are not calculated with an exact zip code location for a Jeep Wrangler. So the car insurance company that fits your situation best may not even be in the list above. That points out the importance of why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

Liability only or full coverage

Finding cheaper auto insurance is probably important to the majority of drivers, and an easy way to reduce the cost of insurance for a Jeep Wrangler is to not buy comprehensive and collision coverage. The example below shows the comparison of auto insurance costs with full coverage compared to only the California minimum liability coverage. The price estimates are based on no claims or violations, $100 deductibles, single marital status, and no discounts are applied to the premium.

If the expense is averaged for all age categories, comp and collision coverage costs $2,710 per year more than buying just liability insurance. That is a large expense and it proposes the question if full coverage is worth the money. There is no definitive formula to delete physical damage coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

Why you should be comparing rates

San Diego, CA auto insurance rates are impacted by many things that can increase the price you pay for coverage. Simply getting older, buying a new vehicle, or getting a ticket for careless driving can trigger price changes that may make certain companies cheaper than competitors. In addition to those changes, companies change prices as often as every quarter in order to be able to pay unexpected claims. Unexpectedly high claims can cause a rate increase, while better underwriting can result in lower-cost Wrangler insurance rates.

As an example, the data below shows rates for the cheapest car insurance in San Diego, CA for a 30-year-old male driver with a clean driving record, no accidents, and a good credit history. If we compare prices based on his current situation, USAA has the lowest car insurance rates in San Diego at $1,157 each year. This is $494 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also on the list of the cheapest San Diego, CA auto insurance companies.

The example below compares rates after we give the driver in the first example some claims, a lower credit score, and a speeding ticket. Since every insurance provider uses their own formula to set their prices, comparing insurance quotes may now present a significantly different list of the cheapest San Diego car insurance companies as shown below.

Grange now has the cheapest price in San Diego with Progressive, Allstate, Mercury, and GEICO completing the list. This demonstrates why it is so important to compare many different companies to get the most affordable insurance rates for a Jeep Wrangler.

Insurance rates are calculated by many things and change frequently, so the cheapest rate three years ago may now be quite expensive.