Buying affordable insurance for a Jeep Wrangler in Nevada is pretty easy for most people, but it hinges on a complicated rating formula that uses factors such as the safety rating for your Wrangler, what you do for a living, and the level of deductible you choose. Nevada drivers pay on average $1,009 each year for Wrangler insurance, but that figure is calculated using a 50-year-old single female driver with full coverage and $100 deductibles.
But there is a high likelihood that you’re not a 50-year-old female, possibly married instead of single, and you need different coverage limits than the sample rates. Car insurance coverage is unique to each driver, so this is why the only way to find cheap auto insurance rates for your Jeep is to put in the effort to do a thorough rate comparison.
Your Jeep’s trim level can impact the insurance rate, so the price you pay to insure a Wrangler Sport 4WD 2-Dr model will be $264 less expensive the insurance cost for the more costly 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||$198||$302||$348||$20||$104||$972||$81|
|Wrangler Unlimited Sport 2WD 4-Dr||$198||$302||$436||$26||$130||$1,092||$91|
|Wrangler Sport Islander Package 4WD 2-Dr||$198||$386||$348||$20||$104||$1,056||$88|
|Wrangler Unlimited Sport 4WD 4-Dr||$228||$302||$436||$26||$130||$1,122||$94|
|Wrangler Sahara 4WD 2-Dr||$228||$386||$348||$20||$104||$1,086||$91|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$228||$302||$436||$26||$130||$1,122||$94|
|Wrangler Unlimited Sahara 2WD 4-Dr||$228||$302||$436||$26||$130||$1,122||$94|
|Wrangler Rubicon 4WD 2-Dr||$228||$386||$348||$20||$104||$1,086||$91|
|Wrangler Unlimited Sahara 4WD 4-Dr||$228||$386||$436||$26||$130||$1,206||$101|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$258||$386||$436||$26||$130||$1,236||$103|
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in specific location information which can revise premiums significantly.
Finding dependable, cost effective car insurance is easier said than done, and finding out which company has the most affordable auto insurance rates for a Jeep Wrangler involves a bit more work. Every insurance provider uses a different method to determine premium rates, so we’ll go over the auto insurance companies with the most affordable rates in Las Vegas.
It’s a good idea to know that Las Vegas, NV auto insurance rates are impacted by many factors that can increase the price of your policy. This price fluctuation is why it is crucial to compare many different companies to find the most affordable auto insurance rates for a Jeep Wrangler. Rates consist of many things and can change substantially, so the cheapest option two years ago may now be costing you a lot of money.
Best Auto Insurance Prices for Your Jeep
|Rank||Company||Cost Per Year|
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Allied may offer some of the best car insurance rates in Las Vegas at around $939 per year. Travelers, Capital, Oregon Mutual, and Progressive also are some of the most economical Las Vegas, NV car insurance companies.
As illustrated above, if you are currently insured with Oregon Mutual and switched to Allied, you could earn an annual savings of in the neighborhood of $219. Policyholders with Progressive may save as much as $263 a year, and American Family policyholders might see rate reductions of $279 a year.
To compare your rates to other Nevada insurance companies, click here to start your custom quote or visit any of the companies below.
These estimates are averages across all types of insureds and vehicles and are not factoring in an exact zip code location for a Jeep Wrangler. So the car insurance company that is best for you may not even be in the top 20 companies shown above. That points out the importance of why you need to get car insurance quotes using your own driver data and vehicle information.
How much more does full coverage cost in Las Vegas?
Saving money when shopping for auto insurance is probably important to most vehicle owners, and one easy way to save on the cost of insurance for a Jeep Wrangler is to buy liability only. The illustration below illustrates the difference between premium costs with full physical damage coverage and with liability coverage only. The data assumes no violations or accidents, $500 deductibles, single marital status, and no discounts are factored in.
Averaged for all age groups, physical damage coverage costs $1,693 per year over and above liability coverage. Many people question if you should buy full coverage at all. There isn’t a steadfast formula that works best for making the decision to drop physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than about 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your vehicle’s replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $6,000 after the policy deductible has been paid. If you are paying over $600 a year for full coverage, then you may need to consider dropping full coverage.
How accidents and tickets impact rates in Las Vegas
A great way to get the cheapest auto insurance rates in Las Vegas for a Wrangler is to be a safe driver and avoid accidents and violations. The information below shows how traffic citations and at-fault accidents drive up auto insurance rates for different categories of driver ages. The price estimates are based on a married female driver, full coverage, $500 deductibles, and no additional discounts are factored in.
In the chart above, the average cost of auto insurance per year with a clean driving record and no accidents is $1,326. Get written up for two speeding tickets and the average cost rises to $1,863, an increase of $538 each year. Then add in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Jeep Wrangler goes up to an average of $4,214. That’s an increase of $2,888, or $241 per month, just for not being more responsible behind the wheel!
The agents shown below are willing to help you make a decision which coverage meets your needs best, since some people prefer to get some professional input when comparing insurance rates for a Jeep Wrangler. It can be complicated to find the cheapest rates, so insurance agents licensed in the state of Nevada can give you peace of mind knowing you have adequate asset protection.
To locate a Las Vegas auto insurance agent close to where you live, click the button after the list.
Las Vegas Auto Insurance
1953 N Decatur Blvd – Las Vegas, NV 89108 – (702) 570-5777
Insurance Specialists – Auto and Home Agency
5025 S Eastern Ave #20 – Las Vegas, NV 89119 – (702) 307-3398
Farmers Insurance – Nino Jimenez
3375 Glen Ave #10 – Las Vegas, NV 89121 – (702) 696-1606
Desert Shores Insurance Services
3211 N Tenaya Way #115 – Las Vegas, NV 89129 – (702) 363-8040
How to find economical car insurance for a Jeep Wrangler
Lowering your rates is not difficult, and here are a few penny-pinching suggestions that can help Las Vegas drivers locate low-cost coverage.
- At-fault accidents can raise rates significantly
- Save money by staying claim-free
- Raise your deductibles
- Drop full coverage on older vehicles
- Do not get tickets or violations
- Comparison shop at least every other year
The last suggestion is extremely critical, as was emphasized in this article. Auto insurance rates adjust frequently, so drivers shouldn’t be resistant to switch to a new company if a more affordable price is available.
Many consumers stick with the same company and that’s fine, but is isn’t recommended if that faithfulness ends up costing you major coinage every year. Take a couple minutes and compare rates to find cheaper auto insurance for a Jeep Wrangler in Las Vegas.