Finding affordable auto insurance for a Jeep Wrangler in Tennessee is pretty easy to do, but it relies on a large number of rating criteria such as how far you commute, if you are a frequent claim filer, and any driving offenses on your record. Tennessee drivers will pay around $884 per year for Wrangler insurance, but that figure is an estimate calculated based on a 40-year-old single male driver with both comprehensive and collision coverage and $500 deductibles.
But there is a good chance that you’re not a 40-year-old male, possibly married instead of single, or maybe you need higher liability limits than the state minimum. Having what appears to be a very minor change in the factors used in pricing a policy can make a big difference in the policy cost.
Car insurance coverage is unique to each driver, so this is why the only real way to find cheap auto insurance rates for your Jeep is to just take the time to compare rates yourself. To cut your rates now, get a free quote and you will receive price comparisons from some of the cheapest companies that insure Jeep vehicles in Tennessee.
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Your vehicle’s trim level will have an impact the cost of coverage, so the rate you pay to insure a Wrangler Sport 4WD 2-Dr trim level will be $226 cheaper than the price to insure the higher-priced Wrangler Unlimited Rubicon 4WD 4-Dr version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $154 | $224 | $350 | $20 | $104 | $852 | $71 |
| Wrangler Unlimited Sport 2WD 4-Dr | $154 | $224 | $436 | $26 | $130 | $970 | $81 |
| Wrangler Sport Islander Package 4WD 2-Dr | $154 | $286 | $350 | $20 | $104 | $914 | $76 |
| Wrangler Unlimited Sport 4WD 4-Dr | $178 | $224 | $436 | $26 | $130 | $994 | $83 |
| Wrangler Sahara 4WD 2-Dr | $178 | $286 | $350 | $20 | $104 | $938 | $78 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $178 | $224 | $436 | $26 | $130 | $994 | $83 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $178 | $224 | $436 | $26 | $130 | $994 | $83 |
| Wrangler Rubicon 4WD 2-Dr | $178 | $286 | $350 | $20 | $104 | $938 | $78 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $178 | $286 | $436 | $26 | $130 | $1,056 | $88 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $200 | $286 | $436 | $26 | $130 | $1,078 | $90 |
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Estimates do not factor in specific zip code location which can decrease or increase premium rates substantially.
How to find a good Memphis car insurance company
Finding a good quality insurer is difficult considering how many choices you have in Memphis. The ranking information listed below could help you analyze which insurers to look at when trying find the best insurance for a Jeep Wrangler.
The rankings below are only made up of companies that insure vehicles across America, so companies without a large exposure will not be included in this list. If you would like to check rates from the most competitive companies in Tennessee, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
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Data Source: Insure.com Best Car Insurance Companies
The diagram below illustrates how your choice of deductibles can increase or decrease insurance costs when getting quotes for cheap insurance for a Jeep Wrangler. The rate quotes are based on a married female driver, full coverage, and no discounts are taken into consideration.
As shown above, a 40-year-old driver could lower their policy premium by $206 a year by increasing from a $100 deductible up to a $500 deductible, or save $314 by selecting a $1,000 deductible. Younger drivers, like the Age 20 chart data, could roll back prices as much as $512 every year by choosing a larger deductible amount.
If you do decide to increase your deductibles, it is important to have enough spare savings to allow you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
How to get discounts on Memphis car insurance
Auto insurance companies that sell policies for a Jeep Wrangler may additionally offer discounts that could reduce prices by 30% or more if you can meet the requirements. Popular car insurance companies and some of their more popular discounts can be read below.
- GEICO includes discounts for anti-lock brakes, driver training, military active duty, daytime running lights, and emergency military deployment.
- Mercury Insurance has discounts for age of vehicle, good student, low natural disaster claims, professional/association, accident-free, ease of repair, and multi-car.
- Farmers Insurance has savings for mature driver, homeowner, good student, youthful driver, and early shopping.
- Auto-Owners Insurance may offer discounts for paid in full, teen driver, multi-policy, company car, anti-lock brakes, student away at school, and safe vehicle.
- Liberty Mutual offers discounts including preferred payment discount, safety features, exclusive group savings, multi-policy, hybrid vehicle, multi-car, and new vehicle discount.
- SAFECO may include discounts for teen safety rewards, multi-car, safe driver, drive less, homeowner, and bundle discounts.
- Progressive offers discounts for multi-policy, homeowner, online quote discount, online signing, continuous coverage, and good student.
- USAA offers premium reductions for military installation, multi-vehicle, driver training, new vehicle, and safe driver.
The diagram below illustrates the difference between car insurance rates with and without discounts applied to the policy rates. The rate quotes are based on a female driver, no claims or driving citations, Tennessee state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with homeowner, passive restraint, claim-free, vehicle safety, accident-free, and safe-driver discounts applied. With discounts applied, theamount saved on car insurance for a Jeep Wrangler is 28% or $362.
Why are you paying too much to insure your Wrangler?
Tennessee car insurance rates are calculated based on many things which can significantly increase or decrease your annual premium. Simply turning a year older, moving to a different location, or having an accident can cause premium changes that may make certain companies more affordable than others. In addition to those changes, car insurance companies change rates as often as every quarter to help ensure profitability. Significantly higher losses may cause rate hikes, while less frequent claims may produce more affordable Wrangler insurance rates.
For example, the chart below shows the companies that have the cheapest car insurance in Memphis, TN for a 45-year-old female driver with a clean driving record, no accidents, and solid credit. If we estimate prices based on her current rating profile, Utica National might quote the cheapest car insurance rates in Memphis at $1,086 each year. This is $242 less than the average policy premium paid by Tennessee drivers of $1,328. Auto-Owners, Cincinnati Insurance, Penn National, and USAA also make the list of the cheapest Memphis, TN auto insurance companies.
The chart below compares rates after we give the driver from the first set of rates a claim or two, poor credit, and a few traffic violations. Since each auto insurer has a unique formula to determine rates, comparing prices could now result in a slightly different list of companies as shown below.
Erie now has the cheapest rate in Memphis, TN with Nationwide, Allied, Westfield, and Auto-Owners completing the list. This illustrates why it is important to compare lots of rates when trying to find affordable auto insurance rates for a Jeep Wrangler.
Car insurance prices are determined by many different factors and change dramatically, so the lowest-price company the last time you compared rates may now be an over-priced policy.
The agents below are a good start to provide answers to your questions and help you determine which policy is best, as many consumers aren’t sure which coverage to buy and prefer to get some professional advice when shopping for the best coverage for a Wrangler. It’s not always simple to find coverage yourself, so agents can provide comfort knowing your coverage gives you adequate coverage when you need it most. To locate an agency in your neighborhood, click the button after the list.
Steve Womack – State Farm Insurance Agent
848 Cooper St – Memphis, TN 38104 – (901) 725-1919
Peterson Insurance Services, Inc.
8046 N Brother Blvd #101 – Memphis, TN 38133 – (901) 386-4777
Dan Crawford – State Farm Insurance Agent
5705 Stage Rd #160 – Memphis, TN 38134 – (901) 372-4400
More insurance agents in Memphis, TN
How to find budget-friendly insurance for a Jeep Wrangler
Lowering your rates is not difficult, and here are a few penny-pinching ideas that can help drivers quote cheaper auto insurance.
- Do not get tickets
- Claim-free policyholders usually earn a discount
- Insure your home and auto with the same company
- Higher credit ratings may save you money
- Being accident-free can lower rates significantly
- Increase your policy deductibles
- Look for cheaper rates once a year by shopping around
The last tip is highly important, as we pointed out in the prior article. Rates go up and down frequently, so don’t be unwilling to change to a new company if a more affordable rate is found. Having brand loyalty is commendable, but it’s not recommended if that dedication is costing hundreds of dollars year after year. In just a couple of minutes you could compare prices and find cheaper auto insurance for a Jeep Wrangler in Memphis.