Buying the cheapest auto insurance for a Jeep Wrangler in Pennsylvania is pretty easy to do, but it relies on a large number of factors such as annual vehicle mileage, whether or not you garage your vehicle, and your choice of deductibles. Drivers pay approximately $1,010 a year to insure their Wrangler, but that price is an estimate calculated using a 40-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.
But there is a good chance that you’re not a 40-year-old male, married instead of single, and you need different coverage limits than the sample rates. Even a minor difference in the criteria used to calculate rates can make a large difference in rates.
Every driver’s needs are different, and that is why the best method for finding cheap car insurance rates for your Jeep is to just take the time to compare rates yourself.
The specific model of Wrangler will have an impact the insurance rate, so the price you will be charged to insure a Wrangler Sport 4WD 2-Dr model will be $258 less expensive the cost to insure the more well-appointed Wrangler Unlimited Rubicon 4WD 4-Dr version, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$176||$256||$398||$24||$120||$974||$81|
|Wrangler Unlimited Sport 2WD 4-Dr||$176||$256||$498||$30||$150||$1,110||$93|
|Wrangler Sport Islander Package 4WD 2-Dr||$176||$326||$398||$24||$120||$1,044||$87|
|Wrangler Unlimited Sport 4WD 4-Dr||$202||$256||$498||$30||$150||$1,136||$95|
|Wrangler Sahara 4WD 2-Dr||$202||$326||$398||$24||$120||$1,070||$89|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$202||$256||$498||$30||$150||$1,136||$95|
|Wrangler Unlimited Sahara 2WD 4-Dr||$202||$256||$498||$30||$150||$1,136||$95|
|Wrangler Rubicon 4WD 2-Dr||$202||$326||$398||$24||$120||$1,070||$89|
|Wrangler Unlimited Sahara 4WD 4-Dr||$202||$326||$498||$30||$150||$1,206||$101|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$228||$326||$498||$30||$150||$1,232||$103|
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Prices do not factor in Philadelphia location which can influence insurance rates substantially.
Finding budget insurance is challenging, and finding out which companies have the cheapest car insurance rates for a Jeep Wrangler takes even more perseverance.
Every car insurance company uses their own calculation for filing rates in each state, so we need to take a look at the most affordable car insurance companies in Philadelphia. It’s important that readers know that Pennsylvania car insurance rates are based on many factors that will increase or decrease the price you pay for coverage. Simply having another birthday, buying another vehicle, or getting a couple of tickets can trigger changes in premium that can now make some companies cheaper in comparison to the competition.
Best Auto Insurance Prices for Your Jeep
|Rank||Company||Cost Per Year|
|17||Mutual Benefit Group||$1,397|
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General Casualty has some of the best car insurance rates in Philadelphia at around $718 each year. Travelers, USAA, Penn National, and Erie also rank well as some of the most economical Philadelphia, PA auto insurance companies.
In the above example, if you are a customer of Erie and switched to Travelers, you could earn an annual premium reduction of roughly $37. Customers with Auto-Owners could save as much as $176 a year, and Amica policyholders might see rate reductions of $225 a year.
These estimates are averages across all drivers and vehicles in Pennsylvania and do not take into consideration an exact vehicle garaging location for a Jeep Wrangler. So the insurer that has the lowest price for you may not even be in the list above. That is why you need to get rate quotes from many companies using your own personal information and vehicle type.
Accidents and violations increase rates
The obvious way to maintain the cheapest car insurance prices in Philadelphia for a Wrangler is to drive cautiously and avoid traffic citations and accidents. The example below shows how traffic citations and fender-benders can drive up premium costs for different age groups. The data is based on a married female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of car insurance in Pennsylvania per year with no violations or accidents is $1,292. Receive one speeding ticket and the average cost increases to $1,513, an increase of $221 each year. Now add in two accidents along with the one speeding ticket and the annual cost of car insurance for a Jeep Wrangler jumps again to an average of $3,732. That’s an increase of $2,439, or $203 per month, just for being a careless driver!
Cost difference between full coverage and liability
Buying cheaper car insurance is probably important to the majority of drivers, and one great way to save on the cost of insurance for a Jeep Wrangler is to not buy full coverage. The illustration below visualizes the comparison of insurance prices with full coverage compared to only the Pennsylvania minimum liability coverage. The premiums assume no tickets, no at-fault accidents, $1,000 deductibles, drivers are single, and no policy discounts are applied.
Averaged out for all age groups, physical damage coverage costs $1,801 per year over having just liability coverage. That touches on the question when is it safe to stop buying full coverage. There is no definitive formula for excluding comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
Chances are good that you’re overpaying for Wrangler insurance
Philadelphia, PA car insurance rates are impacted by many factors which can substantially change your annual premium. Getting older, moving across town, or getting into an accident can cause premium changes that can now make some companies cheaper than others.
Additionally, car insurance companies change prices at least once a year in order to offset underwriting gains or losses. Significantly higher losses can result in high rates, while lower claims may produce cheaper Wrangler insurance rates.
To illustrate this point, the chart below demonstrates which company has the cheapest car insurance in Philadelphia, PA for a 35-year-old female driver with no prior claims, no tickets, and solid credit. If we estimate prices based on her current rating profile, General Casualty might quote the cheapest car insurance rates in Philadelphia at $1,718 annually. This is $61 more than the average policy premium paid by Pennsylvania drivers of $1,657. USAA, Travelers, Erie, and Penn National also make the list of the top five cheapest Philadelphia, PA auto insurance companies.
In this next rate comparison, we will give the driver from the above example an accident surcharge, poor credit, and a speeding citation. Because each company has their own unique process to set their prices, getting updated rate quotes will most likely result in a different set of the cheapest car insurance companies in Philadelphia as shown below.
Auto-Owners now has the cheapest auto insurance in Philadelphia with Atlantic States, Donegal Mutual, USAA, and Travelers now rounding out the top five. This example demonstrates why Pennsylvania drivers need to compare many different companies when trying to find the most affordable car insurance quotes for a Jeep Wrangler.
Auto insurance prices can be altered by many factors and can change without notice, so the cheapest rate six months ago may now be quite expensive.
Tips to find cheaper insurance for a Jeep Wrangler
Here are some of the better thrifty ideas that can help you get more affordable auto insurance.
- Save money by only buying liability coverage for older vehicles
- Drive attentively and avoid accidents
- Higher credit ratings may save you money
- Save money by obeying traffic laws and keeping a clean driving record
- Increase your physical damage deductibles
- Safe vehicles cost less to insure
- Compare rates once a year for cheaper prices
The last suggestion is highly crucial, as was emphasized in this article. Insurance prices can be adjusted at any time, so you should be ready to buy from a new company if a more affordable rate is found. Many consumers stick with the same company and that’s fine, but it isn’t a good idea if that stubbornness costs you a lot of money every month. In just a few minutes you could compare prices and find cheaper car insurance for a Jeep Wrangler in Philadelphia.
The insurance agencies below can probably help you make a decision which insurance coverage will be best for you, as some drivers aren’t sure which coverage they need and prefer to have a professional recommendation when buying car insurance for a Jeep Wrangler. It can be hard to do it yourself, so insurance agents can add satisfaction knowing your policy gives you suitable coverage if you have an accident.
To find an agent using an interactive map, click the button at the bottom of the list.
Philadelphia Insurance Companies
231 St Asaphs Rd #100 – Bala Cynwyd, PA 19004 – (610) 617-7900
Larry Lewis Insurance Agency, LLC
4548 Market St #208 – Philadelphia, PA 19139 – (215) 243-4110
Allstate Insurance: Bruce Datil
4201 I St – Philadelphia, PA 19124 – (215) 288-7992
Juniata Ins Agency
1206 E Hunting Park Ave – Philadelphia, PA 19124 – (215) 533-9701
State Farm – Philadelphia – Thanh Pham
254 S 10th St – Philadelphia, PA 19107 – (215) 238-7400