What Insurance is Cheapest for a Jeep Wrangler in San Jose?

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Finding cheap coverage for a Jeep Wrangler in California depends on a fairly complex equation with a lot of factors such as how far you commute, your profession, and your choice of physical damage deductibles. Drivers will pay on average $1,275 per year for Wrangler insurance, but that is an estimate calculated based on a 30-year-old single male driver with full physical damage coverage and $1,000 deductibles.

But there is a high probability that you are not 30 years old and maybe not even male, maybe you are married instead of single, or maybe your Wrangler is old enough that it doesn't require full coverage. Even a minor change in rating variables or coverage information can result in a massive change in rates.

This demonstrates why the best way to find the most affordable coverage for your Jeep is to just take the time to compare rates yourself. It's really quite easy you will be able to see rates from some of the cheapest companies available.

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Your Jeep's trim level tends to have a direct impact on the coverage cost, so the price to insure a Wrangler Sport 4WD 2-Dr model will be $324 less than the price to insure the more well-appointed Wrangler Unlimited Rubicon 4WD 4-Dr version, as shown by the rates below.

Jeep Wrangler Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $210 $232 $578 $34 $174 $1,228 $102
Wrangler Unlimited Sport 2WD 4-Dr $210 $232 $724 $42 $216 $1,424 $119
Wrangler Sport Islander Package 4WD 2-Dr $210 $298 $578 $34 $174 $1,294 $108
Wrangler Unlimited Sport 4WD 4-Dr $240 $232 $724 $42 $216 $1,454 $121
Wrangler Sahara 4WD 2-Dr $240 $298 $578 $34 $174 $1,324 $110
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $240 $232 $724 $42 $216 $1,454 $121
Wrangler Unlimited Sahara 2WD 4-Dr $240 $232 $724 $42 $216 $1,454 $121
Wrangler Rubicon 4WD 2-Dr $240 $298 $578 $34 $174 $1,324 $110
Wrangler Unlimited Sahara 4WD 4-Dr $240 $298 $724 $42 $216 $1,520 $127
Wrangler Unlimited Rubicon 4WD 4-Dr $272 $298 $724 $42 $216 $1,552 $129
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can increase or decrease price quotes considerably.

Buying coverage from a good quality insurance provider can be challenging considering how many companies are available to choose from in San Jose. The ranking data listed below can help you select which car insurance companies to look at when shopping around. These rankings are only made up of the largest companies in the United States, so companies with more of a regional focus are not factored into this list.

Top 10 Major Auto Insurance Companies in San Jose Ranked by Customer Satisfaction

  1. Titan Insurance - 95%
  2. USAA - 94%
  3. AAA of Southern California - 92%
  4. AAA Insurance - 91%
  5. Nationwide - 90%
  6. State Farm - 90%
  7. The Hartford - 89%
  8. GEICO - 89%
  9. The General - 88%
  10. 21st Century - 88%

Top 10 Major Auto Insurance Companies in San Jose Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

Driving violations and accidents

The common sense way to score cheap auto insurance rates in California for a Wrangler is to drive safely and avoid traffic citations and accidents. The diagram below illustrates how violations and accident claims impact auto insurance costs for different age groups of insureds. The costs are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.

The data in the chart shows the average cost of auto insurance in California per year with no accidents or violations is $2,043. Get written up for one speeding ticket and the average cost hikes up to $2,387, an increase of $344 each year. Now get two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a Jeep Wrangler increases to an average of $5,614. That's an increase of $3,571, or $298 per month, just for not driving safely!

Do you need full coverage?

Buying cheaper auto insurance is important to the majority of people, and a great way to save on the cost of insurance for a Jeep Wrangler is to buy only liability coverage. The example below illustrates the difference between insurance costs with and without full coverage. The prices are based on no accidents, no driving violations, $100 deductibles, marital status is single, and no discounts are applied to the premium.

On average, full coverage costs $2,792 per year more than carrying just liability coverage. At some point, every insured wonders if paying for full coverage is a waste of money. There is no definitive formula for eliminating physical damage insurance, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

There are some conditions where buying only liability insurance is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

How to find budget-friendly car insurance for a Jeep Wrangler

The list below shows many penny-pinching suggestions that can help drivers locate low-cost coverage.

The last tip is certainly significant, as we stressed in the article above. Insurance rates in San Jose fluctuate constantly, so drivers shouldn't hesitate to buy from a different company if a more affordable price is available. Many drivers have brand loyalty and that's fine, but it's not a good idea if that loyalty results in overpaying hundreds of dollars year after year. If you have a few minutes, now is a great time to shop around and find cheaper insurance for a Jeep Wrangler.

If you would rather have the advice of a professional agent when shopping for the best coverage for a Jeep Wrangler, the insurance agencies listed below can provide answers to your questions and help you determine which auto insurance policy fits you best. To find an agent using an interactive map, click the button following the list.

View map of San Jose, CA insurance agents