Who Has Cheap Detroit Auto Insurance for a Jeep Wrangler?

Finding economical insurance for a Jeep Wrangler relies on many rating factors such as how many years you have been driving, your credit history, and any past driving violations you may have had. Drivers in Michigan pay approximately $1,846 each year to insure their Wrangler, but that price is an estimate based on a 30-year-old married female driver with full comprehensive and collision coverage and $500 deductibles.

When making auto insurance estimates, the issue arises that you may not be 30 years old (or even female), single instead of married, or maybe your Wrangler doesn’t need full coverage. This shows why the only way to find the cheapest rates for your Jeep is to do the rate comparisons yourself.

Compare Jeep Wrangler Insurance Rates

The specific model of Wrangler impacts price, so the rate you will pay to insure a Wrangler Sport 4WD 2-Dr will be $474 less expensive the insurance cost for the higher-end Wrangler Unlimited Rubicon 4WD 4-Dr trim level, as shown below.

Jeep Wrangler Insurance Rates in Detroit, MI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $366 $458 $704 $42 $210 $1,780 $148
Wrangler Unlimited Sport 2WD 4-Dr $366 $458 $880 $52 $264 $2,020 $168
Wrangler Sport Islander Package 4WD 2-Dr $366 $584 $704 $42 $210 $1,906 $159
Wrangler Unlimited Sport 4WD 4-Dr $420 $458 $880 $52 $264 $2,074 $173
Wrangler Sahara 4WD 2-Dr $420 $584 $704 $42 $210 $1,960 $163
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $420 $458 $880 $52 $264 $2,074 $173
Wrangler Unlimited Sahara 2WD 4-Dr $420 $458 $880 $52 $264 $2,074 $173
Wrangler Rubicon 4WD 2-Dr $420 $584 $704 $42 $210 $1,960 $163
Wrangler Unlimited Sahara 4WD 4-Dr $420 $584 $880 $52 $264 $2,200 $183
Wrangler Unlimited Rubicon 4WD 4-Dr $474 $584 $880 $52 $264 $2,254 $188
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Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Table data does not factor in vehicle garaging location which can increase or decrease price quotes noticeably.

Car insurance company ratings

Finding a highly-rated insurance provider can be rather challenging considering how many choices you have in Michigan. The company ratings shown next may help you select which providers you want to consider comparing rate quotes with.

These ratings are for insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not taken into consideration for this list. To get rate quotes from these and other companies in Michigan, follow this link.

Top 10 Major Auto Insurance Companies in Detroit Ranked by Claims Service

  1. Progressive
  2. USAA
  3. Liberty Mutual
  4. State Farm
  5. GEICO
  6. Nationwide
  7. Allstate
  8. The Hartford
  9. 21st Century
  10. Farmers Insurance

Top 10 Major Auto Insurance Companies in Detroit Ranked by Customer Satisfaction

  1. The Hartford – 93%
  2. Progressive – 90%
  3. 21st Century – 89%
  4. USAA – 87%
  5. State Farm – 87%
  6. Safeco Insurance – 86%
  7. AAA Insurance – 86%
  8. Farmers Insurance – 85%
  9. GEICO – 85%
  10. American Family – 85%

Liability only or full coverage

Paying a lower price for car insurance is probably important to the majority of people, and one way to find cheaper insurance for a Jeep Wrangler is to buy only liability coverage. The example below shows the comparison of insurance prices with full physical damage coverage compared to only buying liability only. The data assumes no accidents or driving violations, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

On average, full coverage on your policy costs an additional $3,699 per year more than insuring for liability only. Lot’s of drivers question if buying full coverage is worth the expense. There is no set rule that works best for making the decision to drop physical damage insurance, but there is a general guideline. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

There are some conditions where buying only liability insurance is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage.

Comparing rates on Wrangler insurance can save you money

Detroit, MI car insurance rates are influenced by many factors that will increase or decrease the cost of having a policy. Getting older, adding a teenager to your policy, or getting a DUI can trigger price changes that may make certain companies more affordable than before. And not only may your rating factors change, but insurers amend premium rates as often as every quarter to adjust for heavy claims or excess profits. Higher than normal claims may cause more expensive premiums, while a better claims history can produce lower-priced Wrangler insurance rates.

The data below demonstrates which company has the cheapest car insurance in Detroit, MI for a 45-year-old male driver with a good driving record, no prior claims, and a good credit rating. When quoting prices based on his personal profile, USAA might quote the lowest car insurance rates in Detroit at $2,234 a year. This is $159 less than the average policy premium paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and Chubb are the remaining cheapest Detroit, MI auto insurance companies.

In this example, we will give the driver from the above example a chargeable claim, a little lower credit rating, and a few traffic violations. Since every insurance provider has their own guidelines for determining rates in each state, comparing prices may result in a different ranking of affordable Detroit car insurance companies as shown below.

GEICO now has the lowest price on auto insurance in Detroit with Pioneer State Mutual, USAA, Safeco, and Hastings Mutual also being competitive. This example proves why it is critical to compare as many rates as possible when trying to find the most economical insurance rates for a Jeep Wrangler.

Insurance rates can be altered by many things and change substantially, so the best company three years ago may now be one of the higher cost companies.