Finding cheap auto insurance for a Jeep Wrangler in New York doesn’t take a lot of effort, but it is dependent upon a complicated formula that considers factors such as annual vehicle mileage, your credit status, and blemishes on your driving record. Drivers will pay on average $631 per year for Wrangler insurance, but that cost is an approximation based on a 40-year-old married female driver with both comprehensive and collision coverage and $1,000 deductibles.
The issue that arises when projecting rates is that it’s very likely that you may not be 40 years old (or even female), single instead of married, or maybe your Wrangler doesn’t need full coverage. Insurance is an individual thing, so the only real way to find the most affordable coverage for your Jeep is to just take the time to compare rates yourself.
The trim level of your Wrangler can impact the cost of coverage, so the price you will be charged to insure a Wrangler Sport 4WD 2-Dr model will be $160 less than the price to insure the more expensive 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 | $94 | $136 | $278 | $16 | $84 | $608 | $51 |
| Wrangler Unlimited Sport 2WD 4-Dr | $94 | $136 | $348 | $20 | $104 | $702 | $59 |
| Wrangler Sport Islander Package 4WD 2-Dr | $94 | $174 | $278 | $16 | $84 | $646 | $54 |
| Wrangler Unlimited Sport 4WD 4-Dr | $108 | $136 | $348 | $20 | $104 | $716 | $60 |
| Wrangler Sahara 4WD 2-Dr | $108 | $174 | $278 | $16 | $84 | $660 | $55 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $108 | $136 | $348 | $20 | $104 | $716 | $60 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $108 | $136 | $348 | $20 | $104 | $716 | $60 |
| Wrangler Rubicon 4WD 2-Dr | $108 | $174 | $278 | $16 | $84 | $660 | $55 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $108 | $174 | $348 | $20 | $104 | $754 | $63 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $122 | $174 | $348 | $20 | $104 | $768 | $64 |
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Table data does not factor in vehicle location which can raise or lower coverage rates greatly.
Ending up with a good quality insurance company can be challenging considering how many different companies there are to choose from in Buffalo. The company rank data listed below can help you pick which auto insurance companies you want to consider when shopping around. These ratings include companies with a national presence, so companies that focus mainly on New York business are not included in this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The General | 96 | 100 | 92 | 91% | A- | 95 |
| Mercury Insurance | 87 | 96 | 100 | 87% | A+ | 93.4 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
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Data Source: Insure.com Best Car Insurance Companies
The illustration below demonstrates how choosing different deductibles can raise or lower insurance costs when quoting cheap insurance for a Jeep Wrangler. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.
As shown above, a 50-year-old driver could reduce rates by $164 a year by switching from a $100 deductible to a $500 deductible, or save $252 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old category, can save up to $534 or more just by using higher deductibles. If you make the decision to raise deductibles, it will be necessary to have enough savings set aside to allow you to cover the extra out-of-pocket expense associated with higher deductibles.
Discounts on Buffalo insurance rates
Insurance providers that provide policies for a Jeep Wrangler may have policy discounts that can lower rates by as much as 40% or more if you are eligible. Large auto insurance companies and a summarized list of policyholder discounts are outlined below.
- State Farm has savings for student away at school, safe vehicle, multiple policy, anti-theft, and passive restraint.
- GEICO includes discounts for defensive driver, five-year accident-free, membership and employees, anti-lock brakes, driver training, air bags, and federal employee.
- Liberty Mutual offers discounts for good student, exclusive group savings, teen driver discount, new graduate, and safety features.
- The Hartford discounts include good student, bundle, vehicle fuel type, driver training, anti-theft, defensive driver, and air bag.
- MetLife offers discounts including accident-free, good student, good driver, multi-policy, and claim-free.
- Progressive has discounts for good student, online quote discount, continuous coverage, homeowner, multi-policy, multi-vehicle, and online signing.
The example below visualizes the comparison of car insurance rates with and without discounts applied to the premium. The rates are based on a male driver, a clean driving record, no claims, New York state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple vehicle, marriage, defensive driving course, homeowner, vehicle safety, and anti-theft discounts applied. When drivers take advantage of discounts, theaverage amount saved on auto insurance for a Jeep Wrangler is 28% or $376.
The insurance agents in Buffalo listed below can probably help you make a decision which coverage fits your budget, as some drivers have questions and prefer to get some professional advice when buying car insurance for a Jeep Wrangler. It can be difficult to find the best rates on your own, and agents can provide you comfort knowing your coverage gives you enough coverage if you have a claim.
To locate a Buffalo insurance agent close to where you live, click the button after the list.
- United Insurance Agency, Inc.
90 Bryant Woods S – Buffalo, NY 14228 – (716) 632-6118 - Able Insurance Agency
1798 Main St – Buffalo, NY 14208 – (716) 883-5212 - GPA Insurance Inc
520 Lee Entrance # 120 – Buffalo, NY 14228 – (716) 681-1556 - The Decker Agency, Inc.
37 Elmwood Ave – Buffalo, NY 14201 – (716) 883-1455
More insurance agents in Buffalo, NY
How to find cheaper car insurance for a Jeep Wrangler
Lowering your rates is not difficult, and here are a few penny-pinching suggestions that can help Buffalo drivers buy cheap coverage.
- Good credit can help you save money
- Full coverage may not be needed on older vehicles
- Being accident-free can lower rates significantly
- Buying your home and auto policies from the same company can earn a discount
- Safe vehicles generally have lower rates
- Comparison shop frequently
That last piece of advice is certainly necessary, as was emphasized in the prior information. Coverage prices can be modified anytime, so don’t be unwilling to switch companies if a cheaper rate is available.
Many consumers stick with the same company and that’s fine, but it isn’t a good idea if that dedication is costing a small fortune year after year. In just a couple of minutes you could compare rates and find cheaper insurance for a Jeep Wrangler in Buffalo.