Finding cheap coverage for a Jeep Wrangler in Virginia is pretty easy for most people to do, but it is dependent upon a large number of rating criteria such as your birth date, where you live, and your driving record. Drivers in Virginia will pay on average $607 per year to insure their Wrangler, but that amount is an estimate based on a 40-year-old married male driver with full coverage and $1,000 deductibles.
But there is a high likelihood that you are not 40 and maybe not even a male, maybe you are single instead of married, and maybe your Wrangler just needs liability-only coverage. Just a minor difference in rating variables or coverage information can result in a massive change in the price of a policy.
There is no one cookie-cutter policy that works for everyone, so the only way to find cheap car insurance rates for your Jeep is to compare as many rates as possible.
The specific model of Wrangler tends to have a direct impact on the annual cost of coverage, so the price you pay to insure a Wrangler Sport 4WD 2-Dr model will be $154 less expensive the price to insure the more costly Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $98 | $124 | $266 | $16 | $80 | $584 | $49 |
| Wrangler Unlimited Sport 2WD 4-Dr | $98 | $124 | $332 | $20 | $100 | $674 | $56 |
| Wrangler Sport Islander Package 4WD 2-Dr | $98 | $160 | $266 | $16 | $80 | $620 | $52 |
| Wrangler Unlimited Sport 4WD 4-Dr | $112 | $124 | $332 | $20 | $100 | $688 | $57 |
| Wrangler Sahara 4WD 2-Dr | $112 | $160 | $266 | $16 | $80 | $634 | $53 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $112 | $124 | $332 | $20 | $100 | $688 | $57 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $112 | $124 | $332 | $20 | $100 | $688 | $57 |
| Wrangler Rubicon 4WD 2-Dr | $112 | $160 | $266 | $16 | $80 | $634 | $53 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $112 | $160 | $332 | $20 | $100 | $724 | $60 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $126 | $160 | $332 | $20 | $100 | $738 | $62 |
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in Virginia Beach location which can revise rates greatly.
Finding out which company has the best auto insurance rates for a Jeep Wrangler will take a bit more work in order to find the most economical policy.
Every auto insurer has their own unique process to determine rates, so let’s rank the lowest cost auto insurance companies in Virginia Beach, VA.
Find the Cheapest Auto Insurance for Your Jeep
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $673 |
| 2 | USAA | $709 |
| 3 | Penn National | $726 |
| 4 | Cincinnati Insurance | $763 |
| 5 | Auto-Owners | $765 |
| 6 | Utica National | $765 |
| 7 | The Hartford | $777 |
| 8 | Erie | $804 |
| 9 | Virginia Farm Bureau | $810 |
| 10 | Donegal Mutual | $886 |
| 11 | Nationwide | $925 |
| 12 | Allied | $992 |
| 13 | ALFA | $1,018 |
| 14 | GEICO | $1,036 |
| 15 | National Grange Mutual | $1,060 |
| 16 | State Farm | $1,110 |
| 17 | Chubb | $1,112 |
| 18 | Electric | $1,192 |
| 19 | Progressive | $1,222 |
| 20 | California Casualty | $1,251 |
| View More Rates Go | ||
Travelers has some of the lowest car insurance rates in Virginia Beach at around $673 a year. This is $485 less than the average rate paid by Virginia drivers of $1,158. USAA, Penn National, Cincinnati Insurance, and Auto-Owners also make the cut as some of the cheaper Virginia Beach, VA auto insurance companies.
As the example above demonstrates, if you currently buy coverage from Penn National and switched to Travelers, you might achieve an annual savings of about $53. Virginia drivers with Cincinnati Insurance might save as much as $90 a year, and Auto-Owners customers might reduce rates by $92 a year.
To see if your current coverage is too expensive, click here to get quotes or visit several of the following companies.
Bear in mind that those premiums are averages for all drivers and vehicles in Virginia and do not take into consideration an exact location for a Jeep Wrangler. So the auto insurance company that has the cheapest price for you may not even be in the list above. That emphasizes why you need to compare prices as often as possible using your own specific driver and vehicle information.
How accidents and tickets impact rates
One of the best ways to maintain low auto insurance prices for a Wrangler is to drive attentively and avoid tickets and accidents. The illustration below highlights how traffic violations and at-fault accidents can impact insurance costs for different age groups. The premiums are based on a single male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
The data charted above shows the average cost of a car insurance policy in Virginia Beach per year with no accidents or violations is $1,532. Get written up for one speeding ticket and the average cost swells to $1,729, an increase of $197 each year. Now add in one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Jeep Wrangler jumps again to an average of $2,267. That’s an increase of $735, or $61 per month, just for being a little careless behind the wheel!
The information below demonstrates how deductible levels can raise or lower yearly insurance costs when trying to find cheap insurance for a Jeep Wrangler. The rate quotes are based on a single male driver, full physical damage coverage, and no discounts are factored in.
The chart above illustrates that a 40-year-old driver could lower their car insurance rates by $228 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $346 by changing to a $1,000 deductible. Even younger drivers, like the age 20 example, could drop their prices $736 or even more by using a higher deductible.
When increasing deductibles, it is important to have enough funds in savings to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
How to find cheaper insurance for a Jeep Wrangler
Lowering your rates is not difficult, and here are a few thrifty suggestions that can help you quote lower-cost coverage.
- Frequent claims may make car insurance unaffordable
- Better credit scores save money
- Be a cautious driver
- Bundle car and home insurance and save money
- Avoid having at-fault accidents
- Raise your deductibles
- Compare rate quotes frequently
The final tip is extremely critical, as was discussed in this piece. Car insurance prices can be adjusted at any time, so don’t hesitate to change to a new company if you can save money.
Sticking with a specific company is fine, but it isn’t a good idea if that faithfulness ends up costing you hundreds of dollars a year. In just a couple of minutes you could compare rates to find cheaper car insurance for a Jeep Wrangler in Virginia Beach.