Cheapest Jeep Wrangler Insurance in Las Vegas

Discount Jeep Wrangler insuranceThe best way to get budget Jeep Wrangler insurance in Las Vegas is to compare quotes once a year from insurance carriers that sell auto insurance in Nevada. Rates can be compared by following these steps.

A key point to remember is to compare the same liability limits and deductibles on every quote request and and to look at as many companies as you can. Doing this ensures a fair price comparison and a complete selection of prices.

Unfortunately, almost 70% of insureds in Nevada kept their coverage with the same insurance company for at least the last four years, and nearly 40% of drivers have never shopped around. Most drivers in America could save roughly 47% a year, but they don’t know the actual amount they would save if they just switched companies.

Our goal in writing this article help you learn how to compare rates easily and also save some money in the process If you are already insured, you stand a good chance to be able to cut your premiums using the ideas presented in this article. Although Nevada vehicle owners must learn how companies calculate your car insurance rates and use it to your advantage.

Insurance Rate Influencing Factors

Lots of things are part of the equation when premium rates are determined. Some are obvious such as traffic violations, but other factors are not as apparent such as whether you are married and annual miles driven.

The items below are some of the things used by companies to determine your rates.

Jeep Wrangler coverage analysis

The premium information shown next showcases a range of insurance costs for Jeep Wrangler models. Being aware of how prices are formulated can be of help when making informed decisions when comparing rates.


Jeep Wrangler Insurance Rates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $160 $214 $290 $18 $86 $768 $64
Wrangler Unlimited Sport 2WD 4-Dr $160 $214 $362 $22 $108 $866 $72
Wrangler Sport Islander Package 4WD 2-Dr $160 $274 $290 $18 $86 $828 $69
Wrangler Unlimited Sport 4WD 4-Dr $184 $214 $362 $22 $108 $890 $74
Wrangler Sahara 4WD 2-Dr $184 $274 $290 $18 $86 $852 $71
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $184 $214 $362 $22 $108 $890 $74
Wrangler Unlimited Sahara 2WD 4-Dr $184 $214 $362 $22 $108 $890 $74
Wrangler Rubicon 4WD 2-Dr $184 $274 $290 $18 $86 $852 $71
Wrangler Unlimited Sahara 4WD 4-Dr $184 $274 $362 $22 $108 $950 $79
Wrangler Unlimited Rubicon 4WD 4-Dr $206 $274 $362 $22 $108 $972 $81
Get Your Own Custom Quote Go

Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in garaging location in Las Vegas which can affect premium rates considerably.

An analysis of deductible level

One of the most common auto insurance questions is what deductibles to buy. The premium rates below may aid in understanding the premium difference when you choose different physical damage coverage deductibles. The first rate table uses a $250 deductible for physical damage and the second rate chart uses a $500 deductible.


Jeep Wrangler insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $208 $258 $308 $18 $92 $909 $76
Wrangler Unlimited Sport 2WD 4-Dr $208 $258 $386 $22 $116 $1,015 $85
Wrangler Sport Islander Package 4WD 2-Dr $208 $330 $308 $18 $92 $981 $82
Wrangler Unlimited Sport 4WD 4-Dr $238 $258 $386 $22 $116 $1,045 $87
Wrangler Sahara 4WD 2-Dr $238 $330 $308 $18 $92 $1,011 $84
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $238 $258 $386 $22 $116 $1,045 $87
Wrangler Unlimited Sahara 2WD 4-Dr $238 $258 $386 $22 $116 $1,045 $87
Wrangler Rubicon 4WD 2-Dr $238 $330 $308 $18 $92 $1,011 $84
Wrangler Unlimited Sahara 4WD 4-Dr $238 $330 $386 $22 $116 $1,117 $93
Wrangler Unlimited Rubicon 4WD 4-Dr $268 $330 $386 $22 $116 $1,147 $96
Get Your Own Custom Quote Go

Jeep Wrangler insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $168 $208 $308 $18 $92 $794 $66
Wrangler Unlimited Sport 2WD 4-Dr $168 $208 $386 $22 $116 $900 $75
Wrangler Sport Islander Package 4WD 2-Dr $168 $266 $308 $18 $92 $852 $71
Wrangler Unlimited Sport 4WD 4-Dr $194 $208 $386 $22 $116 $926 $77
Wrangler Sahara 4WD 2-Dr $194 $266 $308 $18 $92 $878 $73
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $194 $208 $386 $22 $116 $926 $77
Wrangler Unlimited Sahara 2WD 4-Dr $194 $208 $386 $22 $116 $926 $77
Wrangler Rubicon 4WD 2-Dr $194 $266 $308 $18 $92 $878 $73
Wrangler Unlimited Sahara 4WD 4-Dr $194 $266 $386 $22 $116 $984 $82
Wrangler Unlimited Rubicon 4WD 4-Dr $218 $266 $386 $22 $116 $1,008 $84
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in specific Las Vegas garaging location which can increase or decrease prices greatly.

Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $10 more each month or $120 a year across all Jeep Wrangler models than requesting the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 25 months between claims, you would come out ahead going with the higher deductible.

The example below illustrates how choosing a deductible and can influence Jeep Wrangler insurance prices for different age categories. The prices are based on a single female driver, comp and collision included, and no policy discounts are applied.

Jeep Wrangler liability rates compared to full coverage

The chart below visualizes the comparison of Jeep Wrangler premium costs with full coverage compared to only the Nevada minimum liability coverage. The premium estimates are based on no violations or claims, $500 deductibles, single marital status, and no other discounts are factored in.

When to stop buying full coverage

There is no specific rule of when to eliminate full coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, then you might consider buying liability only.

For example, let’s assume your Jeep Wrangler replacement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $2,000 after paying the physical damage deductible. If premiums are more than $200 annually to have full coverage, then you might want to think about dropping full coverage.

There are some situations where only buying liability is not a good plan. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage in place.

Slash your car insurance rates with discounts

Companies that sell car insurance don’t always advertise every discount available very clearly, so below is a list both well-publicized in addition to some of the lesser obvious ways to save on car insurance.Car insurance discounts

We need to note that some credits don’t apply to the entire policy premium. The majority will only reduce individual premiums such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will lower your overall bill.

The information below shows the comparison of Jeep Wrangler yearly insurance costs with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no claims or driving violations, Nevada state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, claim-free, homeowner, safe-driver, and multi-policy discounts applied.

To choose insurance companies that offer the discounts shown above in Las Vegas, follow this link.

How to find a good Nevada car insurance company

Buying coverage from a high-quality car insurance provider can be rather challenging considering how many different insurance companies sell coverage in Las Vegas. The company information below could help you choose which auto insurance companies you want to consider shopping your coverage with.

Top 10 Las Vegas Car Insurance Companies Ranked by Customer Service

  1. GEICO
  2. State Farm
  3. The Hartford
  4. Mercury Insurance
  5. The General
  6. Progressive
  7. Allstate
  8. AAA Insurance
  9. American Family
  10. Nationwide

Top 10 Las Vegas Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. Nationwide – 90%
  5. State Farm – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. 21st Century – 88%
  9. Liberty Mutual – 88%
  10. Allstate – 88%

Cover all your bases

When you buy Las Vegas auto insurance online, it’s not a good idea to buy less coverage just to save a little money. In too many instances, someone dropped full coverage and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to get the best coverage possible at the best price, but do not skimp to save money.

We just showed you many ideas to reduce Jeep Wrangler insurance premium rates online in Las Vegas. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.

Low-cost Jeep Wrangler insurance in Las Vegas is attainable from both online companies and with local Las Vegas insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who don’t offer online rate quotes and many times these small insurance companies work with independent insurance agents.

To read more, feel free to visit the following helpful articles: