Buying the cheapest coverage for a Jeep Wrangler in Wisconsin is pretty easy for most people to do, but it hinges on many rating criteria such as the safety rating for your Wrangler, if you have a tendency to file claims, and citations or violations on your driving record. Drivers pay approximately $662 a year to insure their Wrangler, but that figure is a projection based on a 40-year-old married male driver with full coverage and $250 deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not 40 years old and maybe not even male, single instead of married, or maybe you have a teenager that needs to be on your policy. Having what appears to be a very minor change in the factors used in pricing a policy could result in a significant change in the cost of insuring your Wrangler.
Not everyone needs the same coverages, so the way we recommend to find cheap insurance rates for your Jeep is to just compare rates yourself.
Your Jeep’s trim level impacts the yearly cost, so the price you will pay to insure a Wrangler Sport 4WD 2-Dr trim level will be $172 cheaper than the cost to insure the more costly Wrangler Unlimited Rubicon 4WD 4-Dr trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$140||$178||$236||$14||$70||$638||$53|
|Wrangler Unlimited Sport 2WD 4-Dr||$140||$178||$296||$18||$88||$720||$60|
|Wrangler Sport Islander Package 4WD 2-Dr||$140||$226||$236||$14||$70||$686||$57|
|Wrangler Unlimited Sport 4WD 4-Dr||$162||$178||$296||$18||$88||$742||$62|
|Wrangler Sahara 4WD 2-Dr||$162||$226||$236||$14||$70||$708||$59|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$162||$178||$296||$18||$88||$742||$62|
|Wrangler Unlimited Sahara 2WD 4-Dr||$162||$178||$296||$18||$88||$742||$62|
|Wrangler Rubicon 4WD 2-Dr||$162||$226||$236||$14||$70||$708||$59|
|Wrangler Unlimited Sahara 4WD 4-Dr||$162||$226||$296||$18||$88||$790||$66|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$182||$226||$296||$18||$88||$810||$68|
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in Milwaukee location which can affect prices greatly.
Best insurance company in Milwaukee
Insuring your vehicle with a good quality auto insurance provider can be challenging considering how many different insurance companies sell coverage in Milwaukee. The information in the next section may help you pick which coverage providers you want to consider shopping prices with. These rankings are only made up of large nationwide companies, so companies that have a smaller presence are not factored into this list.
Top 10 Major Auto Insurance Companies in Milwaukee Ranked by Claims Service
- Liberty Mutual
- AAA Insurance
- Safeco Insurance
- The General
Top 10 Major Auto Insurance Companies in Milwaukee Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Nationwide – A+
- Esurance – A+
- The Hartford – A+
- Erie Insurance – A+
- Progressive – A+
- Allstate – A+
Accidents and violations increase rates
The easiest way to maintain cheap insurance prices for a Wrangler is to be a safe driver and avoid accidents and traffic citations. The diagram below illustrates how violations and at-fault accidents can affect auto insurance rates for different categories of driver ages. The rates are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are applied.
In the chart above, the average cost of car insurance per year with no accidents and a clean driving record is $995. Add in two speeding tickets and the average cost increases to $1,397, an increase of $401 each year. Then add one accident along with the two speeding tickets and the 12-month cost of insurance for a Jeep Wrangler goes up to an average of $1,794. That’s an increase of $798, or $67 per month, just for not maintaining a clean driving record!
You are probably paying too much for Wrangler insurance
Milwaukee insurance rates are impacted by many things that may substantially change the policy price. Improving your credit rating, moving to a new city, or having an at-fault accident can trigger price changes that can now make some companies more affordable than competitors. Not only that, but auto insurance companies amend pricing as often as every quarter in order to offset underwriting gains or losses. Higher than normal claim frequency or severity may result in additional premium costs, while a better claims history can produce cheaper Wrangler insurance rates.
As an example, the chart below shows rates for the cheapest car insurance in Milwaukee, WI for a 35-year-old female driver with no accidents, a clean driving record, and excellent credit. If we estimate rates based on her current situation, USAA may offer the best car insurance rates in Milwaukee at $884 each year. This is $277 less than the average policy premium paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Rural Mutual Insurance are also on the list of the cheapest Milwaukee, WI auto insurance companies.
In this next rate comparison, we will give the driver from the first rate comparison an at-fault accident, a lower credit rating, and a speeding ticket. Since each auto insurance company uses a different method for filing rates in each state, analyzing rates could result in a significantly different list of the cheapest Milwaukee car insurance companies as shown below.
Pekin Insurance now has the best car insurance rate in Milwaukee with Western National, Integrity Mutual, Partners Mutual, and Travelers also having competitive pricing. This illustrates why it is critical to compare lots of rates to find the most affordable insurance rates for a Jeep Wrangler. Car insurance prices are determined by many risk factors and can change without notice, so the lowest-price company six months ago may now be an over-priced policy.
How to find budget-friendly auto insurance for a Jeep Wrangler
Here are a few thrifty suggestions that can help drivers find cheaper car insurance.
- Improve your credit rating
- Prevent price hikes by avoiding at-fault accidents
- Save money by insuring your home and auto with the same company
- Choose a safer vehicle and pay lower rates
- Remove physical damage coverage on older vehicles
- Compare price quotes at least once a year
That final tip is certainly critical, as was noted in the article above. Car insurance prices can change considerably in a year, so you should be ready to switch to a new company if you can find a cheaper rate. Many drivers have brand loyalty and that’s fine, but it’s not recommended if that dedication is costing hundreds of dollars a year. It only takes a couple minutes to compare prices and find cheaper car insurance for a Jeep Wrangler in Milwaukee.