Buying cheaper auto insurance for a Jeep Wrangler in New Jersey is normally pretty easy, but it relies on many different factors such as age of the driver, your profession, and whether or not you are a good driver. New Jersey drivers pay on average $1,423 each year for Wrangler insurance, but that figure is a projection based upon a 30-year-old married female driver with full comprehensive and collision coverage and $250 deductibles.
The issue with using an average estimated rate is the likelihood you aren’t exactly 30 years old or even a female, maybe you are single instead of married, or maybe you just want liability only instead of full coverage. There is no one cookie-cutter policy that works for everyone, so the best method for finding the most affordable coverage for your Jeep is to just take the time to compare rates yourself.
Your Jeep’s trim level will influence the yearly cost, so the rate you will pay to insure a Wrangler Sport 4WD 2-Dr trim level will be $368 cheaper than the insurance cost for the higher-priced Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$314||$394||$490||$30||$146||$1,374||$115|
|Wrangler Unlimited Sport 2WD 4-Dr||$314||$394||$612||$36||$184||$1,540||$128|
|Wrangler Sport Islander Package 4WD 2-Dr||$314||$504||$490||$30||$146||$1,484||$124|
|Wrangler Unlimited Sport 4WD 4-Dr||$360||$394||$612||$36||$184||$1,586||$132|
|Wrangler Sahara 4WD 2-Dr||$360||$504||$490||$30||$146||$1,530||$128|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$360||$394||$612||$36||$184||$1,586||$132|
|Wrangler Unlimited Sahara 2WD 4-Dr||$360||$394||$612||$36||$184||$1,586||$132|
|Wrangler Rubicon 4WD 2-Dr||$360||$504||$490||$30||$146||$1,530||$128|
|Wrangler Unlimited Sahara 4WD 4-Dr||$360||$504||$612||$36||$184||$1,696||$141|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$406||$504||$612||$36||$184||$1,742||$145|
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Prices do not factor in specific garaging location which can increase or decrease insurance rates substantially.
Picking a highly-rated auto insurance provider can be difficult considering how many companies provide coverage in Jersey City. The company rank data in the lists below can help you decide which insurers to look at comparing price quotes from.
The rankings below are only comprised of companies that insure vehicles nationwide, so companies that have a smaller presence will not be included in the list. To get price quotes from the most competitive companies in New Jersey, click here.
Top 10 Major Auto Insurers in Jersey City Ranked by Customer Service
- Mercury Insurance
- The Hartford
- American Family
- State Farm
- Farmers Insurance
Get discounts on Jersey City insurance
Insurers that offer cheap quotes for a Jeep Wrangler may also provide premium discounts that could reduce prices by as much as 25% or more if you are eligible for them. A few popular companies and some of their more popular discounts are:
- GEICO includes discounts for defensive driver, five-year accident-free, federal employee, seat belt use, and military active duty.
- SAFECO may offer discounts for anti-theft, safe driver, teen safety rewards, multi-car, and drive less.
- State Farm may have discounts that include driver’s education, passive restraint, good driver, Drive Safe & Save, defensive driving training, good student, and accident-free.
- MetLife has discounts for defensive driver, multi-policy, accident-free, good student, good driver, and claim-free.
- 21st Century has savings for theft prevention, good student, anti-lock brakes, automatic seat belts, homeowners, teen driver, and driver training.
- Progressive discounts include continuous coverage, multi-policy, online quote discount, online signing, and good student.
The chart below shows the comparison of yearly insurance costs with and without discounts applied. The information is based on a female driver, no violations or claims, New Jersey state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with anti-theft, homeowner, passive restraint, defensive driving course, claim-free, and vehicle safety discounts applied. With discounts applied, theamount saved on auto insurance for a Jeep Wrangler is 28% or $733.
Rate difference between full and liability-only coverage
Paying a lower price for auto insurance is important to most people, and one easy way to buy cheaper insurance for a Jeep Wrangler is to only pay for liability coverage. The information below illustrates the comparison of car insurance costs with liability coverage only compared to full coverage. The premiums are based on no accidents or driving violations, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
Averaged out for all age groups, full coverage costs an additional $2,946 per year over liability only. That touches on the question if buying full coverage is worth the expense. There is no definitive guideline of when to exclude full coverage, but there is a broad guideline. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
There are some cases where removing full coverage is not a good idea. If you still owe a portion of the original loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.
If you aren’t sure which coverage to buy and prefer to get help from a professional when shopping for the best coverage for a Jeep Wrangler, the agents shown below can probably provide answers to your questions and help you determine which car insurance company is the best fit.
To locate a Jersey City car insurance agency near you, click the button after the list.
- Preferred Choice Insurance Agency
225 Newark Ave – Jersey City, NJ 07302 – (201) 616-7644
- MHM Insurance
243 Central Ave # 1 – Jersey City, NJ 07307 – (201) 721-6081
- Hemant Jiwnani – State Farm Insurance Agent
2770 John F Kennedy Blvd, FL-1 – Jersey City, NJ 07306 – (201) 653-1770
- Royale Insurance Agency
2184 John F. Kennedy Blvd – Jersey City, NJ 07305 – (201) 656-1800
How to find economical car insurance for a Jeep Wrangler
The list below shows many thrifty solutions that can help you quote cheap coverage.
- Safe vehicles cost less to insure
- Save money by bundling your home and auto policies
- Drop full coverage on older vehicles
- Higher deductibles save money
- Increase your credit rating
- Frequent claims may make car insurance unaffordable
- Compare rates and switch if you can find a better deal
The last tip in the list is particularly necessary, as we noted in this article. Insurance rates in Jersey City can be changed at any time, so drivers shouldn’t hesitate to buy a different policy if a more affordable price is available.
Loyalty to a specific company is fine, but it isn’t a good idea if that faithfulness ends up costing you hundreds every year. If you have a few minutes, compare rates to find cheaper auto insurance for a Jeep Wrangler.