Who Has the Cheapest Car Insurance for a Jeep Wrangler in Atlanta?

Finding competitive auto insurance for a Jeep Wrangler doesn’t take a lot of effort, but it depends on an enormous amount of factors such as your gender, your credit rating, and any prior driving offenses you have. Georgia drivers pay around $1,197 each year for Wrangler insurance, but that is a projection using a 50-year-old single female driver with full coverage and $250 deductibles.

There’s a high likelihood you are not 50 and maybe not even a female, married instead of single, or maybe you want more liability coverage than is required by law in Georgia. Every driver’s needs are different, and that is why the best way to find the cheapest coverage for your Jeep is to just compare rates yourself. It only takes a couple of minutes and you will receive prices from the cheapest companies in Georgia.

Click Here to Start Your Quote

Your Jeep’s trim level can impact the insurance rate, so the rate you pay to insure a Wrangler Sport 4WD 2-Dr will be $306 cheaper than the insurance cost for the higher-priced Wrangler Unlimited Rubicon 4WD 4-Dr version, as shown in the prices below.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price estimates do not factor in specific garaging location which can decrease or increase prices noticeably.

Finding a highly-rated insurer can be rather challenging considering how many companies there are to choose from in Georgia. The company rank data in the next section could help you choose which auto insurance companies to look at putting your business with. These ratings are only made up of companies that insure vehicles nationwide, so smaller companies are not factored into this list.

Top 10 Major Auto Insurance Companies in Atlanta Ranked by A.M. Best Rating

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Esurance – A+
7. Progressive – A+
8. The Hartford – A+
9. Allstate – A+
10. Nationwide – A+

Full coverage versus liability-only

Reducing the cost of car insurance is the goal of most people, and a good way to buy cheaper insurance for a Jeep Wrangler is to not pay for full coverage. The information below shows the comparison of insurance rates with and without physical damage coverage. The rates are based on a clean driving record, no claims, $250 deductibles, single status, and no policy discounts are applied.

On average, comprehensive and collision coverage on your policy costs $2,550 per year over having just liability coverage. Many drivers may wonder if buying full coverage is worth the expense. There is no definitive formula of when to stop paying for comp and collision coverage, but there is a general guideline you can use. If the annual cost of having full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s assume your vehicle’s book value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $3,000 after the deductible is paid. If it’s costing you more than $300 annually for physical damage coverage, then it may be the right time to buy liability only.

The chart below highlights how deductible selection can raise or lower insurance rates when searching for cheap insurance for a Jeep Wrangler. The data assumes a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

The data above shows that a 50-year-old driver could save $286 a year by changing from a $100 deductible up to a $500 deductible, or save $434 by choosing a $1,000 deductible. Even younger drivers, such as the Age 20 example, could save $942 each year by choosing larger deductibles on their policy. If you do raise deductibles, it is necessary to have additional savings on hand to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Illustration showing the impact of accidents and violations

The easiest way to obtain the most affordable car insurance rates for a Wrangler is to drive carefully and avoid at-fault accidents and violations. The illustration below demonstrates how citations and accidents can affect insurance premiums for different ages of insureds. The rates are based on a married male driver, full coverage, $1,000 deductibles, and no other discounts are factored in.

The data charted above shows the average cost of car insurance in Georgia per year with no accidents and a clean driving record is $1,706. Receive one speeding ticket and the average cost rises to $1,970, an increase of $264 each year. Now include two accidents along with the one speeding ticket and the annual cost of car insurance for a Jeep Wrangler jumps again to an average of $4,620. That’s an increase of $2,914, or $243 per month, just for not keeping your driving record clean!

If you aren’t sure which coverage to buy and prefer to have professional advice when trying to find lower insurance rates for a Wrangler, the agents shown below are a good start to help you decide which insurance coverage will be best for you.

To locate an agency closest to you, click the button after the list or click here to compare price quotes now.

View map of Atlanta, GA insurance agents