Buying affordable insurance for a Jeep Wrangler in Texas is usually pretty straightforward, but it hinges on a complicated formula that considers factors such as whether you own a home, if you have recent claims, and citations or violations on your driving record. Drivers pay approximately $912 annually to insure their Wrangler, but that amount is calculated using a 30-year-old married female driver with full comprehensive and collision coverage and $1,000 deductibles.
This brings up the issue that more than likely you’re not a 30-year-old female, possibly single instead of married, or maybe you prefer higher deductibles. There is no one cookie-cutter policy that works for everyone, so the best way to find the cheapest coverage for your Jeep is to just compare rates yourself.
The specific trim level can impact the coverage cost, so the price you will be charged to insure a Wrangler Sport 4WD 2-Dr will be $234 less expensive the insurance cost for the higher-end Wrangler Unlimited Rubicon 4WD 4-Dr version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$154||$196||$388||$24||$116||$878||$73|
|Wrangler Unlimited Sport 2WD 4-Dr||$154||$196||$486||$28||$146||$1,010||$84|
|Wrangler Sport Islander Package 4WD 2-Dr||$154||$252||$388||$24||$116||$934||$78|
|Wrangler Unlimited Sport 4WD 4-Dr||$176||$196||$486||$28||$146||$1,032||$86|
|Wrangler Sahara 4WD 2-Dr||$176||$252||$388||$24||$116||$956||$80|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$176||$196||$486||$28||$146||$1,032||$86|
|Wrangler Unlimited Sahara 2WD 4-Dr||$176||$196||$486||$28||$146||$1,032||$86|
|Wrangler Rubicon 4WD 2-Dr||$176||$252||$388||$24||$116||$956||$80|
|Wrangler Unlimited Sahara 4WD 4-Dr||$176||$252||$486||$28||$146||$1,088||$91|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$200||$252||$486||$28||$146||$1,112||$93|
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Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Premium costs do not factor in specific location which can change coverage prices significantly.
Trying to find cheap insurance is not easy, and finding out which company has the best insurance rates for a Jeep Wrangler will require a little more work. Every car insurance company uses a slightly different approach to determine premium rates, so let’s rank the insurance companies that tend to be cheaper in Texas.
It’s a good idea to be aware that Texas insurance rates are determined by lots of factors which can substantially change the cost of having a policy. Price variation is why consumers need to take the time to compare as many rates as possible to get the most affordable car insurance rates for a Jeep Wrangler. Insurance rates consist of many factors and can change substantially, so the cheapest company when you last compared rates may now be an over-priced policy.
Cheap Insurance Rates for Your Jeep
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,211|
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Travelers offers some of the cheapest car insurance rates in Lubbock at around $1,010 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the most economical Lubbock, TX auto insurance companies.
In this example, if you currently have coverage with Esurance and switched to USAA, you might realize an annual savings of in the vicinity of $251. Drivers with California Casualty could save as much as $296 a year, and State Farm insureds might lower prices by $367 a year.
Understand that those premiums are averages across all drivers and vehicles and do not take into consideration a specific zip code for a Jeep Wrangler. So the auto insurance company that is best for you may not even be in the top 23 companies in the list above. That illustrates why you need to get rate quotes from many companies using your own personal information and vehicle type.
Bad driving habits will cost you more
The ideal way to earn the cheapest insurance premiums in Lubbock for a Wrangler is to drive carefully and not have accidents or get tickets. The diagram below illustrates how traffic citations and at-fault collisions increase insurance premiums for each age group. Data assumes a married male driver, full coverage, $500 deductibles, and no policy discounts are applied.
The data above shows the average cost of auto insurance in Texas per year with no accidents or violations is $1,807. Get one speeding ticket and the average cost jumps to $2,084, an increase of $277 each year. Next add two accidents along with the one speeding ticket and the annual cost of insurance for a Jeep Wrangler jumps again to an average of $4,752. That’s an increase of $2,945, or $245 per month, just for not driving safely!
Full coverage rates compared to liability-only
Finding cheaper insurance is the goal of most vehicle owners, and one of the fastest ways to find cheap insurance for a Jeep Wrangler is to buy only liability coverage. The example below illustrates the comparison of auto insurance costs with full coverage and liability only. Data assumes a clean driving record, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are taken into consideration.
If averaged for all ages, comp and collision coverage costs an extra $1,995 per year more than carrying just liability coverage. That is a significant amount which raises the question when is it safe to stop buying full coverage. There is no set guideline for dropping full coverage, but there is a general school of thought. If the yearly cost of full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
For example, let’s pretend your vehicle’s settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $6,000 after the deductible is paid. If you are paying more than $600 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
Your low-price policy may be costing you money
Texas insurance rates are impacted by many things that will increase or decrease the policy premium. Simply getting older, moving to a different location, or having an at-fault accident can produce rate changes that can cause some rates to be cheaper than competitors.
In addition to those changes, auto insurance companies change premium rates as needed in order to protect their financial rating. Higher than normal claim frequency or severity can result in increased policy costs, while better underwriting can produce lower-priced Wrangler insurance rates.
To illustrate this example, the graph below shows the cheapest car insurance in Lubbock, TX for a 40-year-old female driver with no prior accidents, a clean driving record, and good credit. Based on her current situation, Travelers might offer the cheapest car insurance rates in Lubbock at $1,189 a year. This is $715 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remainder of the best Lubbock, TX auto insurance companies.
In the next rate comparison, we’ll give the driver in the first example a chargeable accident, a lower credit rating, and a few traffic violations. Since each company has a different formula to determining premium rates, getting updated rate quotes could result in a different ranking of the cheapest companies as shown below.
State Farm now has the best car insurance rate in Lubbock with Mercury, USAA, Nationwide, and Safe Auto now being in the top five. This example illustrates why it is so important to perform an extensive rate comparison when trying to find the most budget-friendly insurance rates for a Jeep Wrangler.
Auto insurance prices are influenced by many risk factors and change frequently, so the lowest-price company the last time you checked may now be an over-priced policy.
Tips for buying more affordable insurance for a Jeep Wrangler
Here are a few thrifty ideas that can help Texas drivers find cheaper auto insurance.
- Try paying for small claims out-of-pocket
- Raise your physical damage coverage deductibles
- At-fault accidents can raise rates significantly
- Home or renters coverage can save on auto insurance
- Better credit rating means better rates
- Be a safe driver
- Look for cheaper rates once a year by shopping around
That final tip is remarkably critical, as we stressed in this article. Insurance rates in Lubbock fluctuate considerably, so don’t be unwilling to buy from a different company if you can save money. Sticking with a specific company is fine, but we do not recommend it if that inflexibility results in costing you a lot of money every month. If you have a few minutes, compare rates and find cheaper insurance for a Jeep Wrangler.
If you have questions and prefer to get help from a professional when shopping around for cheaper insurance for a Wrangler, the agencies below can most likely help you make a decision which coverage meets your needs best. To find a Lubbock insurance agency close to where you live, click the link after the list or click here to compare price quotes.
Texas Insurance Partners
Bldg. 2, 7021 Kewanee Avenue #102 – Lubbock, TX 79424 – (806) 771-9692
Hettler Insurance Agency
4432 S Loop 289 – Lubbock, TX 79414 – (806) 798-7800
12215 Quaker Ave – Lubbock, TX 79424 – (806) 783-8959
Allstate Insurance Agent: Russell Donaway
2321 50th St Ste C – Lubbock, TX 79412 – (806) 799-4600
Ana Borrego – State Farm Insurance Agent
8001 Quaker Ave STE G – Lubbock, TX 79424 – (806) 745-2555