Buying the cheapest car insurance for a Jeep Wrangler in Arizona can be pretty simple, but it hinges on many rating criteria such as how long your commute is, where you live, and any past driving violations you may have had. Arizona drivers will pay around $716 a year for Wrangler insurance, but that figure is an estimate calculated using a 30-year-old married male driver with full comprehensive and collision coverage and $1,000 deductibles.
But there is a good chance that you aren’t exactly 30 years old or even a male, maybe you are single instead of married, or maybe you just want liability only. Having just a slight change in rating criteria or coverage limits may result in significant differences in the cost of insuring your Wrangler.
Auto insurance is unique to each driver, so the best method for finding cheap insurance prices for your Jeep is to compare as many rates as you can. To cut your rates now, get a free quote and you will be able to see rates from the best companies around.
Your vehicle’s trim level impacts the annual cost of coverage, so the rate you pay to insure a Wrangler Sport 4WD 2-Dr trim level will cost $182 less than the cost to insure the more well-appointed Wrangler Unlimited Rubicon 4WD 4-Dr version, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$124||$158||$300||$18||$90||$690||$58|
|Wrangler Unlimited Sport 2WD 4-Dr||$124||$158||$374||$22||$112||$790||$66|
|Wrangler Sport Islander Package 4WD 2-Dr||$124||$202||$300||$18||$90||$734||$61|
|Wrangler Unlimited Sport 4WD 4-Dr||$144||$158||$374||$22||$112||$810||$68|
|Wrangler Sahara 4WD 2-Dr||$144||$202||$300||$18||$90||$754||$63|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$144||$158||$374||$22||$112||$810||$68|
|Wrangler Unlimited Sahara 2WD 4-Dr||$144||$158||$374||$22||$112||$810||$68|
|Wrangler Rubicon 4WD 2-Dr||$144||$202||$300||$18||$90||$754||$63|
|Wrangler Unlimited Sahara 4WD 4-Dr||$144||$202||$374||$22||$112||$854||$71|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$162||$202||$374||$22||$112||$872||$73|
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Information does not factor in garaging location in Phoenix which can alter premium rates considerably.
How to find a good Arizona insurance company
Selecting the top auto insurance provider is difficult considering how many choices drivers have in Arizona. The ranking information in the lists below can help you decide which insurers you want to consider shopping prices with. The rankings below are for companies that insure vehicles across America, so smaller regional companies are not factored into this list.
Top 10 Large Auto Insurance Companies in Phoenix Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Discount Phoenix auto insurance
Insurance companies that sell policies for a Jeep Wrangler could also offer price discounts that can lower rates by as much as 35% if you can meet the requirements. Larger insurance companies and a partial list of their discounts are outlined below.
- American Family offers discounts for multi-vehicle, TimeAway discount, early bird, bundled insurance, defensive driver, good student, and mySafetyValet.
- Nationwide discounts include accident-free, defensive driving, anti-theft, Farm Bureau membership, and good student.
- MetLife policyholders can earn discounts including good student, multi-policy, accident-free, good driver, defensive driver, claim-free
- 21st Century may offer discounts for homeowners, theft prevention, 55 and older, student driver, driver training, anti-lock brakes, and air bags.
- Farmers Insurance may include discounts for teen driver, switch companies, mature driver, early shopping, business and professional, and youthful driver.
- Allstate has discounts for eSmart discount, premier plus, good payer, premier discount, and senior citizen.
The example below visualizes the comparison of auto insurance costs with and without policy discounts. Data assumes a female driver, no violations or claims, Arizona state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple vehicle, anti-theft, accident-free, multiple policy, vehicle safety, and claim-free discounts applied. When drivers qualify for the discounts, theamount saved on insurance for a Jeep Wrangler is 28% or $513.
Impact of citations and accidents on Phoenix insurance rates
A great way to snag the most affordable insurance premiums in Arizona for a Wrangler is to drive safely and avoid getting tickets or having accidents. The example below demonstrates how citations and accident claims impact car insurance rates for each different age group. The prices are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
In the example above, the average cost of car insurance in Phoenix per year with no violations or accidents is $1,784. Factor in one speeding ticket and the average cost increases to $2,016, an increase of $232 each year. Now throw in two accidents along with the one speeding ticket and the annual cost of insurance for a Jeep Wrangler jumps again to an average of $4,189. That’s an increase of $2,405, or $200 per month, just for not driving responsibly!
A good deal can quickly turn bad
Phoenix insurance rates are impacted by many factors that can increase the cost of a policy. Simply having another birthday, buying a different vehicle, or getting caught speeding can trigger rate changes that can make some companies much cheaper than others. In addition, insurance companies file new Arizona car insurance rates every year or even multiple times each year to adjust for gains or losses. An unexpected high level of claims may result in higher rates, while a profitable period can cause cheaper Wrangler insurance rates.
For instance, the graph below shows a variety of companies that have the cheapest car insurance in Phoenix, AZ for a 40-year-old male driver with a good driving record, no prior claims, and a good credit rating. When quoting prices based on his current risk factors, The Hartford may offer the lowest car insurance rates in Phoenix at $1,245 each year. This is $183 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the remaining top five cheapest Phoenix, AZ auto insurance companies.
In this next rate comparison, we will give the driver from the first rate comparison a chargeable claim, poor credit, and a speeding ticket. Because each company uses a different method for setting rates, comparing quotes most likely will result in a different list of affordable Phoenix car insurance companies as shown below.
GEICO now has the best auto insurance rate in Phoenix with CSAA, Allied, Ameriprise Group, and Auto-Owners also having competitive pricing. This illustrates why consumers need to compare lots of rates when trying to find cheap car insurance rates for a Jeep Wrangler. Insurance prices are calculated by many different factors and change dramatically, so the cheapest rate the last time you shopped your coverage around may now be quite expensive.
Tips to find more affordable car insurance for a Jeep Wrangler
The list below summarizes some of the better thrifty solutions that can help you get low-cost car insurance.
- Better credit scores save money
- Save money by staying claim-free
- Increase deductibles to save money
- If your vehicles are older, consider dropping full coverage
- Choose a safer vehicle and pay lower rates
- Buying home and auto insurance together can earn discounts
- Compare prices frequently to find the best deal
That last tip is notably necessary, as we hit on in the article above. Auto insurance prices change frequently, so don’t be unwilling to buy from a new company if a lower-cost policy is available.
Staying with the same company for years is fine, but it’s not a great idea if your bullheadedness ends up costing you money that could be spent on other things. Take a few minutes and compare prices and find cheaper insurance for a Jeep Wrangler in Phoenix.
If you aren’t sure which coverage to buy and prefer to get some guidance when comparing insurance rates for a Jeep Wrangler, the agents shown below are willing to help you decide which car insurance company is the best fit.
To locate an agency close to you, click the button at the bottom or click here to get price quotes now.
- American Family Insurance – Jennifer Swenson
4731 N Central Ave – Phoenix, AZ 85012 – (602) 995-9334
- Marcella Busto – State Farm® Insurance Agent
3401 N 32nd St B – Phoenix, AZ 85018 – (602) 955-5450
- Rodriguez Insurance
5720 N 27th Ave – Phoenix, AZ 85017 – (602) 242-5303