Finding affordable auto insurance for a Jeep Wrangler is dependent upon many rating criteria such as your gender, the likelihood of vehicle theft, and your driving record. Drivers in Missouri will pay on average $734 a year to insure their Wrangler, but that is an estimation using a 40-year-old single male driver with full physical damage coverage and $1,000 deductibles.
But there is a high probability that you are not 40 and maybe not even a male, possibly married instead of single, and you may just want the cheapest liability coverage you can find. This illustrates why the only real way to find the cheapest insurance price for your Jeep is to put in the effort to do a thorough rate comparison.
Cheapest Jeep Wrangler Insurance Rates
The specific trim level can impact the insurance rate, so the price you will be charged to insure a Wrangler Sport 4WD 2-Dr model will be $184 cheaper than the price to insure the higher-end Wrangler Unlimited Rubicon 4WD 4-Dr trim level, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $108 | $162 | $322 | $20 | $96 | $708 | $59 |
| Wrangler Unlimited Sport 2WD 4-Dr | $108 | $162 | $402 | $24 | $120 | $816 | $68 |
| Wrangler Sport Islander Package 4WD 2-Dr | $108 | $206 | $322 | $20 | $96 | $752 | $63 |
| Wrangler Unlimited Sport 4WD 4-Dr | $124 | $162 | $402 | $24 | $120 | $832 | $69 |
| Wrangler Sahara 4WD 2-Dr | $124 | $206 | $322 | $20 | $96 | $768 | $64 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $124 | $162 | $402 | $24 | $120 | $832 | $69 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $124 | $162 | $402 | $24 | $120 | $832 | $69 |
| Wrangler Rubicon 4WD 2-Dr | $124 | $206 | $322 | $20 | $96 | $768 | $64 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $124 | $206 | $402 | $24 | $120 | $876 | $73 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $140 | $206 | $402 | $24 | $120 | $892 | $74 |
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Prices do not factor in the specific area where the vehicle is garaged which can affect price quotes noticeably.
Shopping around for low-priced auto insurance is tough enough, and figuring out which companies have the cheapest car insurance rates for a Jeep Wrangler will involve a little more work. Each auto insurance company has a proprietary formula for determining prices, so let’s begin by examining the car insurance companies with the overall cheapest rates in Kansas City.
It’s important to know that Kansas City, MO car insurance rates are determined by lots of factors which can substantially decrease or increase the cost of a policy. Price variation is why it is crucial to compare lots of rates to find the cheapest car insurance quotes for a Jeep Wrangler. Prices can be altered by many things and change frequently, so the cheapest option a year ago may now be costing you a lot of money.
Find Cheaper Car Insurance for Your Jeep
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $668 |
| 2 | The Hartford | $793 |
| 3 | Electric | $849 |
| 4 | Allied | $875 |
| 5 | Travelers | $998 |
| 6 | Auto-Owners | $1,037 |
| 7 | MO Farm Bureau | $1,052 |
| 8 | Farmers | $1,105 |
| 9 | Nationwide | $1,131 |
| 10 | Cameron Mutual | $1,154 |
| 11 | State Farm | $1,234 |
| 12 | American Family | $1,291 |
| 13 | Shelter | $1,419 |
| 14 | Safe Auto | $1,419 |
| 15 | Progressive | $1,424 |
| 16 | Safeco | $1,426 |
| 17 | GEICO | $1,448 |
| 18 | MetLife | $1,458 |
| 19 | California Casualty | $1,469 |
| 20 | Auto Club | $1,473 |
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USAA normally has some of the cheapest car insurance rates in Kansas City at around $668 each year. The Hartford, Electric, Allied, and Travelers also are some of the cheaper Kansas City, MO car insurance companies.
As the rates illustrate above, if you are a policyholder with The Hartford and switched to USAA, you could realize yearly savings of about $125. Policyholders with Electric could save as much as $181 a year, and Allied customers might lower prices by up to $207 a year.
To get a fast rate comparison, click here to start your free quote or quote rates from the companies below.
Be aware that those rates are averages for all types of insureds and vehicles and and are not calculated with an exact vehicle garaging location for a Jeep Wrangler. So the car insurance company that is best suited for you may not even be in the list above. That helps illustrate why you need to quote rates from as many companies as possible using your own personal information and vehicle type.
The chart below illustrates how your choice of deductibles can increase or decrease insurance costs when getting quotes for cheap insurance for a Jeep Wrangler. The costs are based on a married female driver, full coverage, and no discounts are applied.
The data above shows that a 30-year-old driver could save $186 a year by changing from a $100 deductible up to a $500 deductible, or save $288 by using a $1,000 deductible. Younger drivers, like the 20-year-old category, could reduce their rates up to $404 every year by selecting a higher deductible.
If you do make the decision to raise your deductibles, it is important to have plenty of money set aside to enable you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Why you should compare rates
Kansas City car insurance rates are determined by lots of factors that may substantially change the price you have to pay for coverage. Simply getting older, increasing liability limits, or having an accident can trigger price changes that can cause some rates to be cheaper in comparison to the competition. Additionally, insurance companies amend premium rates as needed to adjust for unexpected claims or profits. Larger than normal claims may cause higher priced premiums, while lower claims can result in lower-priced Wrangler insurance rates.
As an example, the data below shows rates for the cheapest car insurance in Kansas City, MO for a 40-year-old male driver with a clear driving record, no claims, and a decent credit rating. When quoting prices based on his current risk profile, USAA might quote the most affordable car insurance rates in Kansas City at $850 a year. This is $412 less than the average policy premium paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Auto-Owners are also on the list of the cheapest Kansas City, MO auto insurance companies.
The example below compares rates after we give the driver from the first example an accident claim, a lower credit rating, and a traffic ticket or two. Since each company has a different process for determining prices, comparing prices could now result in a completely different list of affordable Kansas City car insurance companies as shown below.
MO Farm Bureau now has the lowest car insurance rate in Kansas City with Nationwide, The Hartford, Farmers, and Allied now rounding out the top five. This example illustrates why Kansas City drivers need to compare lots of rates when trying to get the most economical car insurance quotes for a Jeep Wrangler.
Rates can be altered by many different factors and can change without notice, so the cheapest option when you bought your policy may now be wasting a lot of money.
Tips to find economical insurance for a Jeep Wrangler
Below you’ll find some of the better money-saving ideas that can help Kansas City drivers quote cheap coverage.
- Better credit rating means better rates
- Buy a car with high safety ratings
- Drop full coverage on older vehicles
- Prevent rate increases by staying accident-free
- Do not get tickets
- Increase physical damage deductibles
- Comparison shop at least once a year
That last piece of advice is particularly valuable, as was noted in the prior article. Prices charged by car insurance companies adjust frequently, so don’t be unwilling to switch companies if a cheaper rate is available. Brand loyalty is great, but it’s not a great idea if that loyalty results in overpaying hundreds every year. Now is a great time to compare prices and find cheaper car insurance for a Jeep Wrangler in Kansas City.
If you wish to get some guidance when comparing insurance rates for a Jeep Wrangler, the insurance agencies below can probably aid you in deciding which car insurance policy is best.
To locate a Kansas City car insurance agency in your neighborhood, click the button at the bottom of the list.
Abbott Insurance Inc.
8117 N Oak Trafficway – Kansas City, MO 64118 – (816) 452-8810
DeMasters Insurance, LLC
1130 Westport Rd – Kansas City, MO 64111 – (816) 531-1000
Carleton Voorhies – State Farm Insurance Agent
7709 NW Prairie View Rd – Kansas City, MO 64151 – (816) 741-3558