Finding competitive auto insurance for a Jeep Wrangler is normally pretty easy, but it hinges on a lot of different factors such as how you use your vehicle, your credit rating, and the level of deductible you choose. Drivers in Indiana will pay on average $703 a year for Wrangler insurance, but that cost is an estimate based on a 50-year-old single female driver with full coverage and $1,000 deductibles.
The problem with using this number is the good chance you may not be 50 years old (or even female), you might be married instead of single, or maybe you prefer to not insure for full coverage. Not everyone needs the same coverages, so the way we recommend to find affordable rates for your Jeep is to do the rate comparisons yourself. It only takes a couple of minutes and you will be able to see rates from the cheapest companies in Indiana.
The trim level of your vehicle will be a contributing factor to the coverage cost, so the price you pay to insure a Wrangler Sport 4WD 2-Dr model will be $178 less than the cost to insure the more expensive Wrangler Unlimited Rubicon 4WD 4-Dr trim level, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$100||$146||$318||$18||$94||$676||$56|
|Wrangler Unlimited Sport 2WD 4-Dr||$100||$146||$396||$24||$118||$784||$65|
|Wrangler Sport Islander Package 4WD 2-Dr||$100||$186||$318||$18||$94||$716||$60|
|Wrangler Unlimited Sport 4WD 4-Dr||$116||$146||$396||$24||$118||$800||$67|
|Wrangler Sahara 4WD 2-Dr||$116||$186||$318||$18||$94||$732||$61|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$116||$146||$396||$24||$118||$800||$67|
|Wrangler Unlimited Sahara 2WD 4-Dr||$116||$146||$396||$24||$118||$800||$67|
|Wrangler Rubicon 4WD 2-Dr||$116||$186||$318||$18||$94||$732||$61|
|Wrangler Unlimited Sahara 4WD 4-Dr||$116||$186||$396||$24||$118||$840||$70|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$130||$186||$396||$24||$118||$854||$71|
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Premium costs do not factor in specific location which can modify price quotes significantly.
Insuring your vehicle with a good quality insurance provider is difficult considering how many different companies sell coverage in Indiana. The ranking information shown next can help you choose which providers to look at comparing rate quotes with. These rankings are for companies with a nationwide focus, so companies without a large exposure will not be included in the list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Get discount Indiana car insurance
Car insurance companies that offer quotes for a Jeep Wrangler may provide special discounts that could lower prices by 40% or more if you are eligible. The best insurance companies and their offered discounts are shown below.
- State Farm may offer discounts for multiple policy, good student, student away at school, accident-free, anti-theft, and Drive Safe & Save.
- Progressive may include discounts for online quote discount, continuous coverage, good student, multi-vehicle, and online signing.
- Progressive discounts include homeowner, multi-policy, good student, online signing, continuous coverage, online quote discount, and multi-vehicle.
- MetLife offers premium reductions for defensive driver, multi-policy, accident-free, good student, and good driver.
- Farm Bureau has savings for safe driver, multi-policy, renewal discount, 55 and retired, good student, youthful driver, and multi-vehicle.
- GEICO includes discounts for daytime running lights, multi-vehicle, multi-policy, driver training, seat belt use, and air bags.
- SAFECO offers discounts including anti-lock brakes, anti-theft, homeowner, accident prevention training, drive less, and safe driver.
The chart below compares car insurance rates with and without discounts applied. The premium estimates are based on a male driver, no accidents, no driving violations, Indiana state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with safe-driver, homeowner, multiple policy, defensive driving course, accident-free, and vehicle safety discounts applied. When drivers take advantage of discounts, the average savings per year on insurance for a Jeep Wrangler is 28% or $503.
Careless driving habits raise Indiana insurance rates
The common sense way to earn the cheapest insurance premiums in Indiana for a Wrangler is to drive attentively and not have accidents or get tickets. The diagram below shows how violations and fender-benders can affect insurance rates for different age categories. The rate quotes are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.
The data charted above shows the average cost of car insurance in Indiana per year with no violations or accidents is $1,445. Get two speeding tickets and the average cost increases to $1,904, an increase of $459 each year. Then include one accident along with the two speeding tickets and the annual cost of insurance for a Jeep Wrangler in Indiana goes up to an average of $2,367. That's an increase of $922, or $77 per month, just for a couple of infractions!
The information below shows how different deductible levels can influence insurance costs when researching cheap insurance for a Jeep Wrangler in Indiana. The information is based on a single male driver, comp and collision included, and no other discounts are factored in.
The chart above illustrates that a 50-year-old driver could lower their policy premium by $240 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $366 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old example, could reduce their rates up to $780 each year just by choosing higher deductibles when buying full coverage.
If you do raise deductibles, it is essential to have plenty of savings on hand to allow you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.