Buying cheap coverage for a Jeep Wrangler in North Carolina is dependent upon many factors such as how far you commute, if you have a tendency to file claims, and any driving offenses on your record. Drivers pay approximately $596 per year for Wrangler insurance, but that figure is a projection based upon a 50-year-old married male driver with full comprehensive and collision coverage and $500 deductibles.
But there is a good chance that you may not be 50 years old (or even male), possibly single instead of married, and you may just want the cheapest liability coverage you can find. Every driver’s needs are different, and that is why the only real way to find the cheapest coverage for your Jeep is to just take the time to compare rates yourself. Get your free quotes now and you will receive rate quotes from top-rated car insurance companies available.
Your vehicle’s trim level will have an impact the yearly cost, so the rate you will pay to insure a Wrangler Sport 4WD 2-Dr will be $150 cheaper than the price to insure the high 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||$106||$144||$240||$14||$72||$576||$48|
|Wrangler Unlimited Sport 2WD 4-Dr||$106||$144||$298||$18||$90||$656||$55|
|Wrangler Sport Islander Package 4WD 2-Dr||$106||$182||$240||$14||$72||$614||$51|
|Wrangler Unlimited Sport 4WD 4-Dr||$122||$144||$298||$18||$90||$672||$56|
|Wrangler Sahara 4WD 2-Dr||$122||$182||$240||$14||$72||$630||$53|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$122||$144||$298||$18||$90||$672||$56|
|Wrangler Unlimited Sahara 2WD 4-Dr||$122||$144||$298||$18||$90||$672||$56|
|Wrangler Rubicon 4WD 2-Dr||$122||$182||$240||$14||$72||$630||$53|
|Wrangler Unlimited Sahara 4WD 4-Dr||$122||$182||$298||$18||$90||$710||$59|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$138||$182||$298||$18||$90||$726||$61|
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in your specific Durham location which can impact coverage rates noticeably.
Finding dependable, low-cost car insurance is confusing at best, and figuring out which insurers offer the best insurance rates for a Jeep Wrangler takes even more perseverance.
Every car insurance company uses a different method to establish rates, so let’s begin by examining the lowest cost insurance companies in Durham. It’s important that readers know that North Carolina insurance rates are calculated based on many things which can substantially change the cost of having a policy. This price variation is why it is important to compare many different companies when trying to get the most budget-friendly insurance rates for a Jeep Wrangler. Rates can be altered by many things and can increase or decrease at any time, so the cheapest rate a year ago may now be quite expensive.
Find the Cheapest Car Insurance for Your Jeep
|Rank||Company||Cost Per Year|
|5||NC Farm Bureau||$730|
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Progressive generally has some of the best car insurance rates in Durham at around $658 each year. This is $214 less than the average policy premium paid by North Carolina drivers of $872. Utica National, Liberty Mutual, GEICO, and NC Farm Bureau also rank well as some of the best Durham, NC auto insurance companies.
As the rates illustrate above, if you are currently insured with Utica National and switched to Progressive, you might see savings of upwards of $4. North Carolina drivers with Liberty Mutual may save as much as $42 a year, and GEICO customers might reduce prices by as much as $62 a year.
To find the cheapest coverage for you, click here to begin a quote or feel free to get quotes from the companies below.
Bear in mind that those premiums are averages for all insureds and vehicles and and are not figured with a vehicle location for a Jeep Wrangler. So the company that is best for you may not even be in the top 20 companies in the list above. That underscores the importance of why you need to get quotes using your own driver and vehicle profiles.
Insurance rate increases from tickets or accidents
A great way to get the best insurance prices in North Carolina for a Wrangler is to drive safe and not get tickets or have accidents. The chart below highlights how speeding tickets and at-fault claims drive up auto insurance costs for each age group. The data is based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.
In the chart above, the average cost of an auto insurance policy in Durham per year with a clean driving record and no accidents is $1,251. Get two speeding tickets and the average cost surges to $1,765, an increase of $514 each year. Then throw in two accidents along with the two speeding tickets and the 12-month cost of insurance for a Jeep Wrangler jumps again to an average of $3,816. That’s an increase of $2,564, or $214 per month, just for not driving safely!
Compare rates to save
Durham insurance rates are impacted by many things that can increase the cost of coverage. Turning one year older, having a claim, or getting a ticket for careless driving can trigger changes in premium resulting in some companies being cheaper than others. In addition, car insurance companies change the rates they charge in North Carolina multiple times each year in order to offset underwriting gains or losses. Larger than normal claims can result in a rate increase, while long-term profits can cause cheaper Wrangler insurance rates.
The graph below demonstrates which company has the cheapest car insurance in Durham, NC for a 35-year-old male driver with no violations or accidents, and a good credit rating. If we compare prices based on his personal risk profile, Progressive might quote the lowest car insurance rates in Durham at $770 a year. This is $102 less than the average premium paid by North Carolina drivers of $872. Utica National, Liberty Mutual, NC Farm Bureau, and Penn National also make the list of the top five cheapest Durham, NC auto insurance companies.
In the next rate comparison, we’ll give the driver in the first chart a chargeable accident, bad credit, and an imperfect driving record. Since each company uses their own formula for determining rates in each state, comparing rates could now result in a different ranking of affordable companies as shown below.
Titan now has the cheapest price in Durham, NC with State Farm, Auto-Owners, Allied, and Travelers now rounding out the top five. This example demonstrates why Durham drivers need to do a thorough rate comparison when trying to get affordable car insurance quotes for a Jeep Wrangler. Auto insurance prices are determined by many factors and can decrease or increase without notice, so the most economical company when you last compared rates may now be quite expensive.
How to find low-cost car insurance for a Jeep Wrangler
Below you’ll find many thrifty ideas that can help Durham drivers quote cheaper auto insurance.
- Raise your physical damage coverage deductibles
- Drop full coverage on older vehicles
- Higher credit ratings may save you money
- Buying home and auto insurance together can earn discounts
- Save money by staying claim-free
- Safe vehicles generally have lower rates
- Ensure you have the best deal by shopping around regularly
That last idea is incredibly crucial, as was discussed in this write-up. Auto insurance rates in Durham can be adjusted at any time, so drivers shouldn’t be resistant to change insurance companies if a more affordable rate is found.
We understand brand loyalty, but it’s not a good idea if that loyalty results in overpaying a lot of money. It only takes a couple minutes to compare rates and find cheaper auto insurance for a Jeep Wrangler.
If you aren’t sure which coverage you need and prefer to get some help when shopping for cheaper insurance for a Wrangler, the agents below are willing to help you determine which auto insurance coverages would be the best in your situation.
To locate an agency by location nearest to you, click the link at the bottom or click here to compare price quotes now.
- Joshua E. Matthews Insurance Agency, Inc.
2144 Page Rd Suite 106 – Durham, NC 27703 – (919) 598-6800
- Hix Insurance Center
1533 Glenn School Road, Building C Unit A-14 – Durham, NC 27704 – (919) 220-3031
- Reliable Insurance Agency of North Carolina Inc.
3325 Durham-Chapel Hill Blvd #200 – Durham, NC 27707 – (919) 864-9048
- Bowen Agency, Inc.
4905 Pine Cone Dr Suite 5 – Durham, NC 27707 – (919) 929-4222
- Mike Embree Insurance Agency
3813 University Dr – Durham, NC 27707 – (919) 489-7336