Finding the cheapest coverage for a Jeep Wrangler is dependent upon an enormous amount of rating factors such as your age, what you do for a living, and any prior driving offenses. Drivers in New Jersey will pay around $1,520 per year to insure their Wrangler, but that figure is an approximation based upon a 40-year-old married female driver with full comprehensive and collision coverage and $100 deductibles.
When estimating a car insurance rate like we just did, the issue is that you’re not a 40-year-old female, you might be single instead of married, and you want different coverage limits than the example. The different assumptions illustrate why the best way to find the cheapest rates for your Jeep is to compare rates from as many companies as possible.
The trim level of your Wrangler tends to impact price, so the price you pay to insure a Wrangler Sport 4WD 2-Dr will be $392 less than the insurance cost for the fancier 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 | $310 | $472 | $504 | $30 | $152 | $1,468 | $122 |
| Wrangler Unlimited Sport 2WD 4-Dr | $310 | $472 | $630 | $38 | $188 | $1,638 | $137 |
| Wrangler Sport Islander Package 4WD 2-Dr | $310 | $602 | $504 | $30 | $152 | $1,598 | $133 |
| Wrangler Unlimited Sport 4WD 4-Dr | $356 | $472 | $630 | $38 | $188 | $1,684 | $140 |
| Wrangler Sahara 4WD 2-Dr | $356 | $602 | $504 | $30 | $152 | $1,644 | $137 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $356 | $472 | $630 | $38 | $188 | $1,684 | $140 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $356 | $472 | $630 | $38 | $188 | $1,684 | $140 |
| Wrangler Rubicon 4WD 2-Dr | $356 | $602 | $504 | $30 | $152 | $1,644 | $137 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $356 | $602 | $630 | $38 | $188 | $1,814 | $151 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $402 | $602 | $630 | $38 | $188 | $1,860 | $155 |
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Price estimates do not factor in specific Newark garaging location which can change premium rates considerably.
Ratings for Newark car insurance companies
Choosing a highly-rated car insurance company is hard considering how many choices you have in Newark. The company information below may help you pick which companies you want to consider when looking for cheaper rates. The rankings below are for companies that insure vehicles across America, so companies without a large exposure are not factored into the list.
Top 10 Major Auto Insurance Providers in Newark Ranked by Value
- The Hartford
- Mercury Insurance
- Farmers Insurance
- Safeco Insurance
- AAA Insurance
- 21st Century
- Travelers
- State Farm
- Progressive
- American Family
Top 10 Major Auto Insurance Providers Overall in Newark
- Mercury Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Safeco Insurance
- USAA
- GEICO
- 21st Century
Types of discounts on Newark insurance
Insurers that sell policies for a Jeep Wrangler may additionally offer policy discounts that can reduce rates by 30% or more if you meet specific criteria. A list of car insurance companies and a partial list of their discounts are outlined below.
- Progressive may include discounts for online quote discount, multi-vehicle, homeowner, continuous coverage, and good student.
- AAA offers premium reductions for good student, multi-car, good driver, anti-theft, and multi-policy.
- Farmers Insurance discounts include early shopping, mature driver, homeowner, teen driver, and good student.
- GEICO has discounts for defensive driver, federal employee, multi-policy, membership and employees, anti-theft, five-year accident-free, and good student.
- Esurance offers discounts for emergency road assistance, renters, good student, anti-theft, homeowner, Switch & Save, and good driver.
- SAFECO may offer discounts for teen safety rewards, accident prevention training, multi-car, bundle discounts, homeowner, and anti-lock brakes.
- State Farm policyholders can earn discounts including multiple autos, Steer Clear safe driver discount, driver’s education, accident-free, and defensive driving training.
The information below shows the comparison of car insurance costs with and without some available policy discounts. The prices are based on a female driver, a clean driving record, no claims, New Jersey state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with passive restraint, homeowner, multiple policy, claim-free, accident-free, and vehicle safety discounts applied. When taking advantage of discounts, theaverage yearly reduction on car insurance for a Jeep Wrangler is 28% or $716.
The importance of shopping around
New Jersey car insurance rates are determined by lots of factors that may substantially change the cost of having a policy. Turning one year older, buying a different vehicle, or getting into an accident may prompt premium changes resulting in some rates now being more affordable than competitors. In addition to those changes, companies modify rates as often as every three months to reflect underwriting profits or losses. An extended period of higher than normal claims can result in price increases, while a lower level of claims can produce cheaper Wrangler insurance rates.
To help illustrate this point, the chart below shows the companies that have the cheapest car insurance in Newark, NJ for a 40-year-old female driver with a good driving record, no prior claims, and a high credit rating. If we estimate rates based on her current risk factors, 21st Century has the most affordable car insurance rates in Newark at $1,607 each year. This is $245 less than the average rate paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Penn National, and Palisades are the rest of the most affordable Newark, NJ auto insurance companies.
In the next rate comparison, we’ll give the driver from the first rate comparison a chargeable accident, less-than-perfect credit, and a traffic ticket or two. Since each auto insurance company uses their own method for filing rates in each state, comparing prices will most likely result in a different list of affordable Newark car insurance companies as shown below.
California Casualty now has the cheapest car insurance in Newark, NJ with The Hartford, USAA, Mercury, and Travelers also having competitive pricing. This example proves why drivers need to shop around with many companies to get the best car insurance quotes for a Jeep Wrangler. Prices can be determined by many factors and can increase or decrease at any time, so the most economical option the last time you shopped your coverage around may now be one of the more expensive options.
The Newark, NJ, insurance agents below are willing to help you determine which policy is best, as lots of drivers aren’t clear which coverage they need and would like to have some advice when trying to find lower insurance rates for a Wrangler. It’s not always easy to do it yourself, and agents can provide comfort knowing your coverage gives you suitable coverage if you have an accident.
To find a Newark insurance agency close to you, click the button following the list.
METROPLUS INSURANCE AGENCY
1423 McCarter Hwy – Newark, NJ 07104 – (973) 732-3794
Rosa, Michael Rosa Agency INC
360 Lafayette St – Newark, NJ 07105 – (973) 589-7550
State Farm: Zanetta Glover
570 Broad St #114 – Newark, NJ 07102 – (973) 648-0699
State Farm Insurance
360 Chestnut St – Newark, NJ 07105 – (800) 701-5909
Te Freuler
274 Chestnut St – Newark, NJ 07105 – (973) 274-0500
View more Newark, NJ insurance agents
How to find low-cost auto insurance for a Jeep Wrangler
Here are many thrifty solutions that can help drivers locate cheaper auto insurance.
- Do not get tickets or violations
- Do not get into accidents that are your fault
- Avoid filing small claims
- Safe vehicles generally have lower rates
- Good credit scores may make rates cheaper
- Comparison shop at least every other year
The final tip is incredibly valuable, as we pointed out in the article above. Prices charged by companies fluctuate constantly, so don’t be tentative to buy from a different company if a more affordable price is available. Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that dedication is costing money that could be used for better things. Now is a great time to compare rates and find cheaper auto insurance for a Jeep Wrangler in Newark.