Jeep Wrangler insurance rates image courtesy of QuoteInspector.com
Buying competitive car insurance for a Jeep Wrangler in Massachusetts depends on a large number of factors such as how old the vehicle is, your residence address, and any past driving violations you may have had. Drivers pay on average $923 each year to insure their Wrangler, but that figure is a valuation based on a 40-year-old single male driver with both comprehensive and collision coverage and $1,000 deductibles.
There's a good chance you're not a 40-year-old male, maybe you are married instead of single, or maybe you have a teenager that needs to be on your policy. Everone's needs are different, and this illustrates why the way we recommend to find the cheapest insurance price for your Jeep is to compare as many rates as you can. To start saving now, get free quotes and you will receive prices from some of the best insurers available.
The trim level of your Jeep will likely have an effect on the annual cost of coverage, so the cost to insure a Wrangler Sport 4WD 2-Dr will be $234 less than the cost to insure the more well-appointed Wrangler Unlimited Rubicon 4WD 4-Dr trim level, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$136||$202||$404||$24||$122||$888||$74|
|Wrangler Unlimited Sport 2WD 4-Dr||$136||$202||$506||$30||$152||$1,026||$86|
|Wrangler Sport Islander Package 4WD 2-Dr||$136||$258||$404||$24||$122||$944||$79|
|Wrangler Unlimited Sport 4WD 4-Dr||$156||$202||$506||$30||$152||$1,046||$87|
|Wrangler Sahara 4WD 2-Dr||$156||$258||$404||$24||$122||$964||$80|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$156||$202||$506||$30||$152||$1,046||$87|
|Wrangler Unlimited Sahara 2WD 4-Dr||$156||$202||$506||$30||$152||$1,046||$87|
|Wrangler Rubicon 4WD 2-Dr||$156||$258||$404||$24||$122||$964||$80|
|Wrangler Unlimited Sahara 4WD 4-Dr||$156||$258||$506||$30||$152||$1,102||$92|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$176||$258||$506||$30||$152||$1,122||$94|
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in vehicle location which can change coverage prices noticeably.
Insuring your vehicle with a good quality car insurance company can be difficult considering how many different insurance companies sell coverage in Boston. The ranking information in the lists below can help you decide which providers you want to consider purchasing coverage from.
The rankings below are only made up of companies who write in the majority of U.S. states, so companies with more of a regional focus are not included in these rankings. To compare rates from these and other top-rated companies, just click here.
Top 10 Large Auto Insurance Providers in Boston Ranked by Value
- The Hartford
- Farmers Insurance
- Safeco Insurance
- AAA Insurance
- State Farm
- American Family
- Liberty Mutual
Top 10 Large Auto Insurance Providers in Boston Ranked by Customer Satisfaction
- The Hartford - 93%
- Progressive - 90%
- USAA - 87%
- State Farm - 87%
- Travelers - 87%
- Safeco Insurance - 86%
- AAA Insurance - 86%
- Farmers Insurance - 85%
- GEICO - 85%
- American Family - 85%
Should you buy full coverage?
Buying cheaper insurance should be important to the majority of drivers, and one common way to reduce the cost of insurance for a Jeep Wrangler is to not pay for full coverage. The diagram below visualizes the comparison of car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no claims or driving citations, $100 deductibles, drivers are single, and no additional discounts are factored in.
If we average the cost for all age groups, comp and collision coverage costs an additional $2,162 per year more than insuring for liability only. A very common question is if buying full coverage is a good investment. There is no exact formula of when to stop paying for physical damage insurance, but there is a general convention. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let's say your vehicle's book value is $12,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $11,000 after the deductible is paid. If it's costing in excess of $1,100 a year to have full coverage, the it may be a good time to stop paying for full coverage.
Comparing rates on Wrangler insurance can save you money
Boston, MA insurance rates are calculated based on many things that can increase the price of coverage. Simply having a birthday, moving across town, or having an accident can trigger changes in premium that may make certain companies cheaper than others. In addition to those changes, companies change their prices every year as an adjustment for underwriting gains or losses. Heavy losses can result in higher rates, while long-term profits can produce cheaper Wrangler insurance rates.
To help illustrate this point, the graph below analyzes the cheapest car insurance in Boston, MA for a 40-year-old male driver with a clean driving record, no accidents, and a good credit history. Based on his personal risk profile, State Farm quotes the lowest car insurance rates in Boston at $977 each year. This is $258 less than the average rate paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, Commerce Group, and OneBeacon are also included in the most affordable Boston, MA auto insurance companies.
Now we will pretend the driver from the above example a couple of claims, a little lower credit rating, and an imperfect driving record. Since each auto insurer has their own formula for determining rates, comparing rates could now result in a completely different list of the cheapest car insurance companies in Boston as shown below.
Arbella now has the best price on car insurance in Boston with Norfolk and Dedham, USAA, Amica, and GEICO also having competitive pricing. This illustrates why it is critical to spend some time comparing rates when trying to find the most affordable insurance rates for a Jeep Wrangler. Auto insurance prices can be determined by many things and can increase or decrease at any time, so the best price when you bought your policy may now be one of the more expensive options.
If you wish to have a little guidance when trying to find the best insurance rates for a Jeep Wrangler, the agents shown below can most likely answer your questions and help you decide which car insurance policy is best.
To find an auto insurance agency close to you, click the button following the list or click here to compare prices now.
- Walter Kwan - Prudential Financial
72 Kneeland St Suite 301 - Boston, MA 02111 - (617) 482-6918
- Ann M Foley Insurance
657 Gallivan Blvd - Boston, MA 02124 - (617) 282-5659
- Alan J Ross Insurance Agency Inc
225 Franklin St - Boston, MA 02110 - (617) 449-9413