Finding affordable coverage for a Jeep Wrangler in Colorado is pretty simple, but it depends on a whole bunch of rating criteria such as how many years you have been driving, your credit status, and the deductible amount you use. Drivers pay around $1,074 each year to insure their Wrangler, but that cost is a valuation based on a 30-year-old single female driver with full comprehensive and collision coverage and $1,000 deductibles.
But there is a high likelihood that you aren’t exactly 30 years old or even a female, married instead of single, and you might want liability-only or different deductibles. Even a minor change in the factors used in pricing a policy can result in a big discrepancy in the cost of insurance.
This shows why the only real way to find the cheapest coverage for your Jeep is to do a thorough rate comparison. Quotes only take a couple of minutes and you will receive price comparisons from some of the cheapest companies that offer coverage in Colorado.
The specific trim level will likely have an effect on the coverage cost, so the price to insure a Wrangler Sport 4WD 2-Dr model will be $272 less than the insurance cost for the higher-end Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$162||$228||$474||$28||$142||$1,034||$86|
|Wrangler Unlimited Sport 2WD 4-Dr||$162||$228||$592||$36||$178||$1,196||$100|
|Wrangler Sport Islander Package 4WD 2-Dr||$162||$290||$474||$28||$142||$1,096||$91|
|Wrangler Unlimited Sport 4WD 4-Dr||$186||$228||$592||$36||$178||$1,220||$102|
|Wrangler Sahara 4WD 2-Dr||$186||$290||$474||$28||$142||$1,120||$93|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$186||$228||$592||$36||$178||$1,220||$102|
|Wrangler Unlimited Sahara 2WD 4-Dr||$186||$228||$592||$36||$178||$1,220||$102|
|Wrangler Rubicon 4WD 2-Dr||$186||$290||$474||$28||$142||$1,120||$93|
|Wrangler Unlimited Sahara 4WD 4-Dr||$186||$290||$592||$36||$178||$1,282||$107|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$210||$290||$592||$36||$178||$1,306||$109|
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price estimates do not factor in garaging location in Colorado Springs which can alter premium rates considerably.
Finding good, cheap auto insurance is not always easy, and finding out which company has the best car insurance rates for a Jeep Wrangler will require even more diligence. Each auto insurer uses their own calculation to establish rates, so we’ll go over the car insurance companies with the overall cheapest rates in Colorado.
Keep in mind that Colorado car insurance rates are determined by lots of factors that control the price you have to pay for coverage. This price variability is why it is so important to compare lots of rates when trying to find the cheapest car insurance quotes for a Jeep Wrangler. Insurance rates consist of many risk factors and change dramatically, so the best company a year ago may now be quite expensive.
Best Car Insurance Prices for Your Jeep
|Rank||Company||Cost Per Year|
|15||Colorado Farm Bureau||$1,640|
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The Hartford offers some of the cheapest car insurance rates in Colorado Springs at around $859 annually. Grange, USAA, Nationwide, and Travelers also are some of the lowest-priced Colorado Springs, CO auto insurance companies.
In the rate table above, if you have coverage with Nationwide and switched to The Hartford, you could realize savings of upwards of $250. Colorado drivers with Travelers may save as much as $312 a year, and GEICO insureds might see rate reductions of $328 a year.
If you want to find out if you’re overpaying, click here to get a free quote or visit any of the low-priced companies below.
Bear in mind that those policy rates are averages for all drivers and vehicles and do not take into consideration an exact location for a Jeep Wrangler. So the company that fits you best may not even be in the top 21 companies in the list above. That illustrates why you need to get auto insurance quotes using your own specific driver information and vehicle.
Cost of full coverage in Colorado Springs
Paying less for car insurance is the goal of the majority of drivers, and a good way to find cheaper insurance for a Jeep Wrangler is to not buy comprehensive and collision coverage. The diagram below shows the difference between car insurance costs with and without full coverage. Data assumes no claims, a clean driving record, $100 deductibles, single status, and no discounts are applied to the premium.
On average, physical damage insurance costs an additional $2,452 per year more than buying just liability insurance. At some point, about every driver wonders if buying full coverage is worth the expense. There isn’t a steadfast formula to exclude physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is more than about 10% of replacement cost minus your deductible, then it might be time to buy liability only.
There are some scenarios where dropping physical damage coverage is not financially feasible. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not buy liability only.
Tickets and at-fault accidents raise rates
The best way to enjoy the cheapest car insurance rates in Colorado for a Wrangler is to drive cautiously and not get tickets or have accidents. The example below illustrates how speeding tickets and accidents can affect auto insurance rates for each different age group. The information is based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.
In the prior example, the average cost of auto insurance in Colorado Springs per year with no accidents and a clean driving record is $1,527. Add in one speeding ticket and the average cost surges to $1,727, an increase of $200 each year. Now include two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Jeep Wrangler jumps again to an average of $3,677. That’s an increase of $2,150, or $179 per month, just for a couple of infractions!
How to find more affordable car insurance for a Jeep Wrangler
It is possible to find better rates, and here are some money-saving suggestions that can help Colorado drivers get low-cost coverage.
- Do not pay for comprehensive and collision coverage on older vehicles
- Higher comprehensive and collision coverage deductibles will save money
- Drivers with good credit ratings often pay less
- Buy vehicles with good safety ratings
- Claim-free policyholders usually earn a discount
- Home or renters coverage can save on auto insurance
- Compare prices frequently to find the best deal
The last idea is extremely necessary, as was affirmed in this article. Prices charged by car insurance companies change constantly, so don’t be afraid to buy from a new company if a cheaper price is available.
Having brand loyalty is commendable, but we do not recommend it if it’s costing you money that could be going to better use. Spend a few minutes and compare prices and find cheaper insurance for a Jeep Wrangler in Colorado Springs.