What Auto Insurance is Cheapest for a Jeep Wrangler in Tucson?

Buying competitive auto insurance for a Jeep Wrangler is dependent upon a whole bunch of rating criteria such as how far you drive to work, the performance level of your vehicle, and driving citations. Arizona drivers will pay on average $633 each year to insure their Wrangler, but that figure is calculated based on a 50-year-old married female driver with full physical damage coverage and $1,000 deductibles.

The issue with using an average estimated rate is the likelihood you are not 50 and maybe not even a female, possibly single instead of married, or maybe you live in a different area as the quoted rates. Having even a minor difference in rating factors or requested coverage amount could result in a significant change in the cost of insurance for a Jeep Wrangler.

Not everyone needs the same coverages, so the only real way to find the cheapest rates for your Jeep is to do your own rate comparisons.

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The trim level of your vehicle can impact the coverage cost, so the price you will be charged to insure a Wrangler Sport 4WD 2-Dr will be $160 less than the price to insure the more well-appointed Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown below.

Jeep Wrangler Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $96 $132 $282 $16 $84 $610 $51
Wrangler Unlimited Sport 2WD 4-Dr $96 $132 $352 $20 $106 $706 $59
Wrangler Sport Islander Package 4WD 2-Dr $96 $168 $282 $16 $84 $646 $54
Wrangler Unlimited Sport 4WD 4-Dr $110 $132 $352 $20 $106 $720 $60
Wrangler Sahara 4WD 2-Dr $110 $168 $282 $16 $84 $660 $55
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $110 $132 $352 $20 $106 $720 $60
Wrangler Unlimited Sahara 2WD 4-Dr $110 $132 $352 $20 $106 $720 $60
Wrangler Rubicon 4WD 2-Dr $110 $168 $282 $16 $84 $660 $55
Wrangler Unlimited Sahara 4WD 4-Dr $110 $168 $352 $20 $106 $756 $63
Wrangler Unlimited Rubicon 4WD 4-Dr $124 $168 $352 $20 $106 $770 $64
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Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price information does not factor in specific Tucson garaging location which can lower or raise premium rates significantly.

Selecting a good quality auto insurance company is hard considering how many different companies insure vehicles in Tucson. The company ratings in the lists below could help you choose which companies to look at when comparing rate quotes.

The ratings below only include the companies with a significant amount of written premium nationwide, so companies with more of a regional focus are not taken into consideration for these rankings. To get price quotes from the insurers below and more, follow this link.

Best Insurance Companies for a Jeep Wrangler in Arizona
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

The illustration below highlights how deductible choice can raise or lower insurance costs when quoting cheap insurance for a Jeep Wrangler. The rates are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

In the chart above, a 50-year-old driver could lower their car insurance rates by $172 a year by increasing from a $100 deductible up to a $500 deductible, or save $262 by using a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could lower their rates as much as $432 or more by using higher deductibles when buying full coverage.

If you do make the decision to raise your deductibles, it will now be necessary to have additional savings on hand to enable you to pay the extra out-of-pocket expense that comes with higher deductibles.

Full coverage versus liability only rates

Finding the cheapest insurance is important to the majority of people, and an effective way to buy cheap insurance for a Jeep Wrangler is to buy only liability coverage. The diagram below shows the comparison of car insurance costs with and without full coverage. The rates are based on no claims, a clean driving record, $1,000 deductibles, single status, and no additional discounts are factored in.

Averaged out for all age groups, comprehensive and collision coverage on your policy costs an extra $1,643 per year more than just buying liability only. That is a significant amount which raises the question if you should buy full coverage. There is no exact rule that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your vehicle’s replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $8,000 after the deductible is paid. If you are paying over $800 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

Accidents and violations increase rates

The common sense way to find the most affordable insurance premiums in Arizona for a Wrangler is to be a careful driver and avoid traffic citations and accidents. The diagram below highlights how traffic violations and accident claims raise annual premium costs for different age categories. The information is based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

In the previous example, the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,620. Add in one speeding ticket and the average cost hikes up to $1,832, an increase of $212 each year. Now add one accident along with the one speeding ticket and the annual cost of insurance for a Jeep Wrangler increases to an average of $2,402. That’s an increase of $782, or $65 per month, just for not driving attentively!