Buying cheaper auto insurance for a Jeep Wrangler in Texas doesn't take a lot of effort, but it is dependent upon a whole bunch of factors such as how far you drive to work, if you have a tendency to file claims, and violations on your driving record. Texas drivers will pay on average $895 per year to insure their Wrangler, but that figure is an estimation calculated based on a 40-year-old married male driver with full comprehensive and collision coverage and $1,000 deductibles.
When projecting a rate like this, the problem is that you are not 40 years old and maybe not even male, maybe you are single instead of married, and maybe your Wrangler just needs liability-only coverage. Even a slight change in rating criteria could result in a significant change in how much coverage for a Jeep Wrangler costs.
Auto insurance is not the same for everyone, so the best method for finding cheap insurance prices for your Jeep is to put in the effort to do a thorough rate comparison. It's really quite easy you will be able to compare rates from the best auto insurance companies around.
Your vehicle's trim level tends to impact the cost of insurance, so the price you will pay to insure a Wrangler Sport 4WD 2-Dr will be $226 cheaper than the insurance cost for the high end Wrangler Unlimited Rubicon 4WD 4-Dr trim level, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$144||$184||$392||$24||$118||$862||$72|
|Wrangler Unlimited Sport 2WD 4-Dr||$144||$184||$490||$30||$146||$994||$83|
|Wrangler Sport Islander Package 4WD 2-Dr||$144||$236||$392||$24||$118||$914||$76|
|Wrangler Unlimited Sport 4WD 4-Dr||$166||$184||$490||$30||$146||$1,016||$85|
|Wrangler Sahara 4WD 2-Dr||$166||$236||$392||$24||$118||$936||$78|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$166||$184||$490||$30||$146||$1,016||$85|
|Wrangler Unlimited Sahara 2WD 4-Dr||$166||$184||$490||$30||$146||$1,016||$85|
|Wrangler Rubicon 4WD 2-Dr||$166||$236||$392||$24||$118||$936||$78|
|Wrangler Unlimited Sahara 4WD 4-Dr||$166||$236||$490||$30||$146||$1,068||$89|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$186||$236||$490||$30||$146||$1,088||$91|
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rates do not factor in specific garaging location which can impact auto insurance rates noticeably.
Choosing the best insurer can be rather challenging considering how many choices drivers have in Texas. The ranking data below can help you choose which car insurance companies to look at purchasing coverage from. The ratings below are only comprised of large insurance companies, so companies that may only write in Texas are not factored into these rankings.
Top 10 Large Auto Insurance Companies in Texas Ranked by Customer Satisfaction
- USAA - 91%
- AAA Insurance - 90%
- Esurance - 90%
- Mercury Insurance - 89%
- Nationwide - 89%
- Travelers - 88%
- Progressive - 88%
- Safeco Insurance - 88%
- State Farm - 88%
- Allstate - 88%
Top 10 Large Auto Insurance Companies in Texas Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Top Companies for Jeep Wrangler Insurance in Texas
The chart below highlights how deductible selection can raise or lower insurance costs when getting quotes for cheap insurance for a Jeep Wrangler in Texas. The information is based on a single male driver, full physical damage coverage, and no discounts are applied.
The chart above illustrates that a 40-year-old driver could pocket $264 a year by changing from a $100 deductible to a $500 deductible, or save $400 by using a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, can cut $850 or even more by selecting a higher deductible. If you do make the decision to raise your deductibles, it will now be necessary to have enough savings set aside to be able to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Compare rates to save
Texas car insurance rates are determined by lots of factors which can substantially change the price you pay for coverage. Simply turning a year older, buying a home, or getting a reckless driving citation can produce rate changes that can make some companies more affordable than others. In addition, car insurance companies file new Texas car insurance rates as often as every three months to adjust for gains or losses. An extended period of higher than normal claims can cause more expensive premiums, while a better loss history can cause lower-priced Wrangler insurance rates.
To illustrate this example, the data below shows a variety of companies that have the cheapest car insurance in Texas for a 30-year-old male driver with a good driving record, no prior claims, and a good credit history. If we look at prices based on his current situation, Travelers may have the cheapest car insurance rates in Texas at $1,041 each year. This is $863 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance round out the rest of the cheapest Texas auto insurance companies.
In this next rate comparison, we will give the driver from above a chargeable accident, a lower credit rating, and a few blemishes on his driving record. Since each auto insurance company has a proprietary formula for determining prices, comparing quotes could now result in a substantially altered list of the cheapest car insurance companies in Texas as shown below.
Mercury now has the cheapest insurance rate in Texas with State Farm, Nationwide, USAA, and Safe Auto also being competitive. This demonstrates why consumers need to take the time to shop around when trying to find the best auto insurance rates for a Jeep Wrangler. Prices are calculated by many risk factors and can change without notice, so the most economical company the last time you shopped your coverage around may now not even be in the top five.
How to find the cheapest auto insurance for a Jeep Wrangler
The list below summarizes some of the recommended penny-pinching ideas that can help you buy cheap car insurance.
- Avoid accidents and claims
- Be a safe driver
- Save money by staying claim-free
- Bundle home and auto and earn a discount
- Buy a safer vehicle
- Compare rates regularly and switch companies to save money
That last tip is extremely critical, as we discussed in this piece. Prices charged by auto insurers change frequently, so drivers shouldn't hesitate to change insurance companies if you can save money. Many drivers tend to have loyalty to a certain company, but it's not a good idea if that inflexibility results in costing you several hundred dollars every year. Now is a great time to compare prices and find cheaper car insurance for a Jeep Wrangler.