Buying the best cheap car insurance for a Jeep Wrangler in Florida doesn’t take a ton of time, but it is dependent upon a lot of factors such as driver age, whether you are claim-free, and any driving offenses on your record. Drivers pay on average $978 per year to insure their Wrangler, but that amount is a valuation based on a 50-year-old married female driver with full coverage and $500 deductibles.
Odds are that you are not 50 and maybe not even a female, maybe you are single instead of married, or maybe you don’t qualify for the same discounts. The different assumptions illustrate why the best method for finding cheap car insurance rates for your Jeep is to do the rate comparisons yourself.
The trim level of your vehicle tends to have a direct effect on the coverage cost, so the cost to insure a Wrangler Sport 4WD 2-Dr trim level will cost $248 less than the price to insure the more well-appointed 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 | $176 | $234 | $392 | $24 | $118 | $944 | $79 |
| Wrangler Unlimited Sport 2WD 4-Dr | $176 | $234 | $490 | $30 | $146 | $1,076 | $90 |
| Wrangler Sport Islander Package 4WD 2-Dr | $176 | $298 | $392 | $24 | $118 | $1,008 | $84 |
| Wrangler Unlimited Sport 4WD 4-Dr | $202 | $234 | $490 | $30 | $146 | $1,102 | $92 |
| Wrangler Sahara 4WD 2-Dr | $202 | $298 | $392 | $24 | $118 | $1,034 | $86 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $202 | $234 | $490 | $30 | $146 | $1,102 | $92 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $202 | $234 | $490 | $30 | $146 | $1,102 | $92 |
| Wrangler Rubicon 4WD 2-Dr | $202 | $298 | $392 | $24 | $118 | $1,034 | $86 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $202 | $298 | $490 | $30 | $146 | $1,166 | $97 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $228 | $298 | $490 | $30 | $146 | $1,192 | $99 |
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price information does not factor in your specific Miami location which can influence price quotes significantly.
Picking the best company is difficult considering how many choices you have in Florida. The company ratings listed below could help you pick which car insurance providers you want to consider when comparing auto insurance rates for a Jeep Wrangler.
These ratings only include insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on Florida business will not be included in this list. If you wish to compare prices and find cheaper insurance for a Jeep Wrangler, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
The example below shows how choosing a deductible can affect yearly insurance costs when getting quotes for cheap insurance for a Jeep Wrangler. The rate quotes are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.
The chart above illustrates that a 40-year-old driver could lower their car insurance rates by $242 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $368 by changing to a $1,000 deductible. Youthful drivers, like the Age 20 category, could reduce their rates as much as $602 every year just by choosing higher deductibles.
If you do decide to increase your deductibles, it will be necessary to have enough savings to allow you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Get discount Miami auto insurance rates
Insurance companies that offer quotes for a Jeep Wrangler may provide special discounts that can reduce rates by 30% or more if you meet certain criteria. Larger car insurance companies and their possible discounts include:
- Farm Bureau discounts include multi-vehicle, good student, youthful driver, renewal discount, driver training, and safe driver.
- State Farm offers premium reductions for Steer Clear safe driver discount, good student, multiple policy, good driver, and multiple autos.
- Progressive may have discounts that include continuous coverage, good student, online quote discount, multi-policy, and homeowner.
- Allstate may include discounts for resident student, early signing, EZ pay plan discount, FullPay discount, good student, and teenSMART discount.
- Nationwide includes discounts for multi-policy, accident-free, Farm Bureau membership, family plan, and anti-theft.
- MetLife has discounts for defensive driver, accident-free, good student, claim-free, multi-policy, good driver
The illustration below visualizes the comparison of car insurance rates with and without discounts applied. The costs are based on a female driver, no violations or claims, Florida state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with anti-theft, homeowner, defensive driving course, marriage, passive restraint, and vehicle safety discounts applied. When these discounts are applied, theaverage yearly reduction on car insurance for a Jeep Wrangler is 28% or $730.
How to find the cheapest auto insurance for a Jeep Wrangler
The list below summarizes a few thrifty ideas that can help Florida drivers buy low-cost coverage.
- Avoid filing small claims
- Raise deductibles
- Save money by observing traffic laws and speed limits
- Staying accident-free helps keep rates low
- Do not pay for comprehensive and collision coverage on older vehicles
- Compare prices as often as possible
That last idea is especially valuable, as was noted in the prior information. Insurance prices fluctuate constantly, so don’t be unwilling to switch to a new company if a more affordable price is available. We understand brand loyalty, but it isn’t a good idea if that loyalty results in overpaying hundreds of dollars year after year. Now is a great time to compare rates and find cheaper auto insurance for a Jeep Wrangler in Miami.
If you aren’t sure which coverage to buy and prefer to have some advice when comparing insurance rates for a Jeep Wrangler, the agents listed below are willing to help you determine which is the best policy.
To locate a Miami auto insurance agent near you, click the button at the bottom of the list or click here to compare price quotes.
- A 1-Stop Insurance Agency Inc
3629 SW 8th St – Miami, FL 33135 – (305) 441-7100 - Gus Figueredo – State Farm Insurance Agent
7950 W Flagler St #103 – Miami, FL 33144 – (305) 262-0440 - Miami Auto Insurance Agency
3132 NW 7th St – Miami, FL 33125 – (305) 649-1800 - The Market Insurance Agency
7900 NW 27th Ave #604b – Miami, FL 33147 – (786) 542-5233 - Jtg Insurance Agency
9764 SW 24th St – Miami, FL 33165 – (305) 552-8808