Do you need a fast way to compare low-cost Jeep Wrangler insurance in Houston? I really doubt anyone likes buying car insurance, in particular when they are paying too much.
A recent car insurance study discovered that most drivers have bought car insurance from the same company for four years or more, and roughly 40% of drivers have never compared rate quotes at all. With the average premium in Texas being $2,700, drivers could save an average of about $1,800 each year by just shopping around, but they think it’s difficult to compare rate quotes online.
Companies like GEICO, Farmers Insurance and State Farm all claim big savings with TV and radio ads and it is challenging if not impossible to separate fact from fiction and find the best price available.
If you have insurance now, you will most likely be able to find the best rates using the ideas covered in this article. Locating the best rates in Houston can be made easier if you know where to look. Although Texas drivers must comprehend the methods companies use to price insurance differently because rates fluctuate considerably.
There are several ways of comparing rate quotes from auto insurance companies in your area. The quickest method to find the cheapest insurance rates consists of shopping online.
Comparison shopping price quotes online is easy and it replaces the need to waste gas driving to insurance agencies in your area. Comparing Jeep Wrangler insurance rates online can eliminate the need for a local agent unless you want the trained advice that only an agent can give. If you prefer, some companies allow you to price shop online and get advice from an agent in your area.
When comparison shopping, comparing more prices will enable you to find a better price.
The providers in the list below offer quotes in Texas. If more than one company is shown, we recommend you visit as many as you can to find the most competitive auto insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $252 | $368 | $462 | $28 | $138 | $1,248 | $104 |
| Wrangler Unlimited Sport 2WD 4-Dr | $176 | $248 | $642 | $38 | $192 | $1,296 | $108 |
| Wrangler Sport Islander Package 4WD 2-Dr | $180 | $322 | $400 | $24 | $120 | $1,046 | $87 |
| Wrangler Unlimited Sport 4WD 4-Dr | $208 | $200 | $624 | $36 | $186 | $1,254 | $105 |
| Wrangler Sahara 4WD 2-Dr | $166 | $236 | $392 | $24 | $118 | $936 | $78 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $166 | $184 | $490 | $30 | $146 | $1,016 | $85 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $232 | $252 | $486 | $28 | $146 | $1,144 | $95 |
| Wrangler Rubicon 4WD 2-Dr | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $240 | $328 | $476 | $28 | $142 | $1,214 | $101 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $198 | $290 | $620 | $36 | $186 | $1,330 | $111 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Premium amounts do not factor in specific garaging location which can decrease or increase premiums considerably.
Impact of violations and accidents on rates in Houston
The example below demonstrates how traffic citations and accident claims drive up Jeep Wrangler auto insurance costs for different categories of driver ages. The premiums are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.
Annual premiums for males versus females
The illustration below shows the comparison of Jeep Wrangler auto insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no claims, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are taken into consideration.
Choosing deductibles
A question often asked by Houston drivers is how high should the physical damage coverage deductibles be. The comparisons below approximate the rate differences of buying low and high deductibles. The first rate estimation uses a $250 deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $256 | $320 | $382 | $22 | $114 | $1,119 | $93 |
| Wrangler Unlimited Sport 2WD 4-Dr | $256 | $320 | $476 | $28 | $142 | $1,247 | $104 |
| Wrangler Sport Islander Package 4WD 2-Dr | $256 | $408 | $382 | $22 | $114 | $1,207 | $101 |
| Wrangler Unlimited Sport 4WD 4-Dr | $294 | $320 | $476 | $28 | $142 | $1,285 | $107 |
| Wrangler Sahara 4WD 2-Dr | $294 | $408 | $382 | $22 | $114 | $1,245 | $104 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $294 | $320 | $476 | $28 | $142 | $1,285 | $107 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $294 | $320 | $476 | $28 | $142 | $1,285 | $107 |
| Wrangler Rubicon 4WD 2-Dr | $294 | $408 | $382 | $22 | $114 | $1,245 | $104 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $294 | $408 | $476 | $28 | $142 | $1,373 | $114 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $332 | $408 | $476 | $28 | $142 | $1,411 | $118 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $158 | $200 | $382 | $22 | $114 | $876 | $73 |
| Wrangler Unlimited Sport 2WD 4-Dr | $158 | $200 | $476 | $28 | $142 | $1,004 | $84 |
| Wrangler Sport Islander Package 4WD 2-Dr | $158 | $256 | $382 | $22 | $114 | $932 | $78 |
| Wrangler Unlimited Sport 4WD 4-Dr | $182 | $200 | $476 | $28 | $142 | $1,028 | $86 |
| Wrangler Sahara 4WD 2-Dr | $182 | $256 | $382 | $22 | $114 | $956 | $80 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $182 | $200 | $476 | $28 | $142 | $1,028 | $86 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $182 | $200 | $476 | $28 | $142 | $1,028 | $86 |
| Wrangler Rubicon 4WD 2-Dr | $182 | $256 | $382 | $22 | $114 | $956 | $80 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $182 | $256 | $476 | $28 | $142 | $1,084 | $90 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $206 | $256 | $476 | $28 | $142 | $1,108 | $92 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Premium amounts do not factor in specific location information which can modify prices substantially.
Based on these figures, using a $250 deductible could cost the average driver approximately $22 more each month or $264 for a full year than quoting the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you go at least 34 months between claims, you would more than likely save some money by going with a higher deductible.
Three reasons to insure your vehicle
Even though it can be expensive, auto insurance serves several important purposes.
First, almost all states have minimum mandated liability insurance limits which means state laws require a specific minimum amount of liability coverage in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you bought your car with a loan, it’s guaranteed your bank will make it a condition of the loan that you have insurance to ensure loan repayment if the vehicle is totalled. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Jeep at a much higher premium rate and force you to pay a much higher amount than you were paying before.
Third, insurance safeguards both your vehicle and your personal assets. Insurance will pay for many types of medical costs for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers legal expenses if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of insuring your car definitely exceed the price paid, especially for larger claims. But the average American driver is currently overpaying as much as $850 per year so it’s very important to do a rate comparison at every policy renewal to help ensure money is not being wasted.
Insurance Price Influencing Factors
One of the most helpful ways to save on insurance is to to have a grasp of the factors that help calculate your premiums. If you have a feel for what influences your rates, this enables informed choices that could help you find lower premium levels.
The items below are just a few of the factors used by companies to determine premiums.
- What’s your car’s NHTSA crash test rating? – Safer cars cost less to insure. Highly rated vehicles help reduce the chance of injuries in an accident and reduced instances of injuries means your insurance company pays less which can result in lower premiums. If your Jeep Wrangler is rated at a minimum four stars on Safercar.gov you are probably receiving a discount.
- Always keep your policy in place – Allowing your coverage to lapse is a guaranteed way to increase your insurance rates. In addition to paying higher premiums, the inability to provide proof of insurance will get you a hefty fine and possibly a revoked license. You may then have to submit proof of financial responsibility or a SR-22 with the Texas motor vehicle department.
- Optional features can affect premiums – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent your vehicle from being stolen.
- Performance impacts premiums – The make and model of the car, truck or SUV you need insurance for makes a huge difference in your rates. Because the Jeep Wrangler falls in the standard SUV class, rates will be slightly more as compared to the average rate in Houston. Smaller low performance passenger cars usually have the lowest rates, but the final cost of insurance is determined by many other factors.
- Jeep Wrangler claim probability – Insurance companies use claims history when determining insurance prices. Models that the data determines to have higher claim amounts or frequency will have higher rates. The table below demonstrates the loss history for Jeep Wrangler vehicles.
For each coverage type, the claim probability for all vehicles averaged together equals 100. Percentages below 100 indicate better than average losses, while percentage values above 100 point to more claims or an increased chance of a larger loss.
Jeep Wrangler Insurance Loss Statistics
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Jeep Wrangler 2dr SWB 4WD 54 134 71 57 52 102 Jeep Wrangler 4dr 4WD 58 151 82 66 62 120 Statistics from IIHS.org for 2013-2015 Model Years
Discounts mean cheaper rates for Jeep Wrangler insurance in Houston
Some insurers don’t list the complete list of policy discounts very clearly, so the following list contains both well-publicized and the more hidden credits that you can use to lower your rates.
- Student Driver Training – Teen drivers should enroll and complete driver’s education as it can save substantially.
- Responsible Drivers – Safe drivers could pay up to 40% less than drivers with accident claims.
- Club Memberships – Belonging to qualifying employment or professional organizations may earn a discount on your next renewal.
- Distant Student – College-age children who are enrolled in a college that is more than 100 miles from Houston and leave their car at home could get you a discount.
- Savings for New Vehicles – Putting insurance coverage on a new Wrangler is cheaper since newer vehicles have better safety ratings.
- Telematics Devices – Policyholders that allow their insurance company to monitor driving patterns by using a telematic data system such as State Farm’s In-Drive could see a rate decrease if they are good drivers.
- Passenger Safety Discount – Factory options such as air bags or automatic seat belts may earn rate discounts up to 30%.
One thing to note about discounts is that many deductions do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, nobody gets a free ride.
Large insurance companies and their possible discounts include:
- State Farm may offer discounts for multiple autos, good driver, student away at school, defensive driving training, driver’s education, and Drive Safe & Save.
- Liberty Mutual has discounts for good student, newly retired, multi-policy, teen driver discount, multi-car, new graduate, and new move discount.
- American Family policyholders can earn discounts including bundled insurance, early bird, TimeAway discount, good driver, accident-free, and air bags.
- Progressive offers premium reductions for homeowner, continuous coverage, online signing, multi-vehicle, multi-policy, and online quote discount.
- Farmers Insurance discounts include business and professional, distant student, multi-car, mature driver, alternative fuel, and bundle discounts.
- Auto-Owners Insurance offers discounts for anti-theft, company car, safe vehicle, student away at school, and group or association.
- SAFECO includes discounts for anti-theft, accident prevention training, teen safety rewards, multi-car, and safe driver.
If you need the cheapest Jeep Wrangler rate quotes, ask every prospective company which discounts they offer. Some discounts might not apply in Houston. To find insurers who offer cheap Jeep Wrangler insurance quotes in Houston, click here to view.
What if I want to buy from local Houston auto insurance agents?
Many people just prefer to get advice from a local agent and that is a smart decision One of the best bonuses of price shopping on the web is that you can obtain cheaper prices and still have an agent to talk to. And buying from neighborhood agents is important particularly in Houston.
By using this form (opens in new window), your insurance coverage information is sent to local insurance agents who will give competitive quotes for your insurance coverage. You don’t have to search for any insurance agencies as quotes are delivered directly to your email. It’s the lowest rates AND a local agent. In the event you want to get a price quote for a specific company, don’t hesitate to find their quoting web page and give them your coverage information.
If you would like to find a reputable agency, you must know there are a couple types of insurance agents and how they can service your needs differently. Auto insurance agencies are classified as either independent or exclusive depending on the company they work for.
Independent Agents (or Brokers)
Agents of this type do not write with just one company and that allows them to write policies with many different companies and find the cheapest auto insurance rates. If you want to switch companies, the agent simply finds a different carrier which requires no work on your part.
When comparison shopping, you absolutely need to include price quotes from at least one independent agent so that you can do a thorough price comparison.
Below are independent insurance agents in Houston who may be able to give you comparison quotes.
Moon Insurance Agency
360 FM 1959 – Houston, TX 77034 – (281) 484-8320 – View Map
AAIGOT Insurance Agency Inc.
6633 Hillcroft St #101 – Houston, TX 77081 – (713) 270-9373 – View Map
Texas Insurance
210 W Greens Rd # B – Houston, TX 77067 – (281) 872-6100 – View Map
Exclusive Agencies
Agents of this type can only provide pricing for a single company and some examples include State Farm, Allstate and AAA. They usually cannot place coverage with different providers so always compare other rates. Exclusive agencies are usually well trained on the products they sell and that allows them to sell at a higher price point.
Shown below are Houston exclusive agents willing to provide price quotes.
Scott McNab – State Farm Insurance Agent
1005 Waugh Dr b – Houston, TX 77019 – (713) 520-5556 – View Map
State Farm: Ken Quach
6489 Wilcrest Dr – Houston, TX 77072 – (281) 498-1010 – View Map
Anna Santa Ana – State Farm Insurance Agent
7710 Cherry Park Dr d – Houston, TX 77095 – (281) 550-0333 – View Map
Deciding on an insurance agent requires more thought than just the price. You should also get answers to these questions.
- What insurance company do they write the most business with?
- Will one accident increase rates?
- Do you work with a CSR or direct with the agent?
- Will they give you a referral list?
- Are they able to influence company decisions when a claim is filed?
- Can glass repairs be made at your home?
- Are aftermarket or OEM parts used to repair vehicles?
Quote more and you will save more
As you go through the steps to switch your coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to get the best coverage possible at the best possible price, but do not skimp to save money.
Lower-priced Jeep Wrangler insurance in Houston can be purchased on the web as well as from insurance agents, and you should compare rates from both to have the best rate selection. Some insurance providers may not offer online price quotes and usually these small insurance companies only sell coverage through independent agents.
We just presented many ways to compare Jeep Wrangler insurance premium rates in Houston. The key thing to remember is the more quotes you get, the higher your chance of finding affordable Jeep Wrangler insurance quotes. Consumers may even find the biggest savings come from some of the smallest insurance companies. Smaller companies may only write in your state and offer lower prices as compared to the big name companies such as Allstate, GEICO and Progressive.
For more information, take a look at these articles:
- How do I File a Claim? (Insurance Information Institute)
- What Car Insurance is Cheapest for 16 Year Olds in Houston? (FAQ)
- How Much are Auto Insurance Quotes for High Risk Drivers in Houston? (FAQ)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Distracted Driving (Insurance Information Institute)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)