What Insurance is Cheapest for a Jeep Wrangler in Cincinnati?

Buying affordable car insurance for a Jeep Wrangler in Ohio is usually pretty straightforward, but it depends on an enormous amount of factors such as how you use your Wrangler, the likelihood of vehicle theft, and any prior driving offenses you have. Drivers in Ohio will pay around $742 a year to insure their Wrangler, but that amount is an approximation based upon a 50-year-old single female driver with both comprehensive and collision coverage and $100 deductibles.

There’s a good chance you’re not a 50-year-old female, you might be married instead of single, or maybe you want different physical damage deductibles. Not everyone needs the same coverages, so the way we recommend to find cheap car insurance rates for your Jeep is to compare rates from as many companies as possible. It only takes a couple of minutes and you will receive prices from the cheapest companies that offer coverage in Ohio.

Cheapest Jeep Wrangler Insurance Rates

Your vehicle’s trim level will influence the annual cost of coverage, so the price you pay to insure a Wrangler Sport 4WD 2-Dr model will be $192 less than the price to insure the more well-appointed Wrangler Unlimited Rubicon 4WD 4-Dr version, as shown in the table below.

Jeep Wrangler Insurance Rates in Cincinnati, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $146 $222 $256 $16 $76 $716 $60
Wrangler Unlimited Sport 2WD 4-Dr $146 $222 $320 $18 $96 $802 $67
Wrangler Sport Islander Package 4WD 2-Dr $146 $284 $256 $16 $76 $778 $65
Wrangler Unlimited Sport 4WD 4-Dr $168 $222 $320 $18 $96 $824 $69
Wrangler Sahara 4WD 2-Dr $168 $284 $256 $16 $76 $800 $67
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $168 $222 $320 $18 $96 $824 $69
Wrangler Unlimited Sahara 2WD 4-Dr $168 $222 $320 $18 $96 $824 $69
Wrangler Rubicon 4WD 2-Dr $168 $284 $256 $16 $76 $800 $67
Wrangler Unlimited Sahara 4WD 4-Dr $168 $284 $320 $18 $96 $886 $74
Wrangler Unlimited Rubicon 4WD 4-Dr $190 $284 $320 $18 $96 $908 $76
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Table data does not factor in specific garaging location which can impact price quotes noticeably.

Ending up with a highly-rated auto insurance company is hard considering how many choices drivers have in Ohio. The company rank data in the next section could help you select which auto insurance companies you want to consider when comparing auto insurance rates for a Jeep Wrangler. The rankings below include major nationwide insurance companies, so companies with more of a regional focus are not included in this list.

Top 10 Large Auto Insurance Companies in Cincinnati Ranked by Customer Service

  1. Nationwide
  2. State Farm
  3. Safeco Insurance
  4. American Family
  5. Titan Insurance
  6. Travelers
  7. Liberty Mutual
  8. GEICO
  9. Erie Insurance
  10. Allstate

Top 10 Large Auto Insurance Companies in Cincinnati Ranked by A.M. Best Rating

  1. USAA – A++
  2. GEICO – A++
  3. Travelers – A++
  4. State Farm – A++
  5. Allstate – A+
  6. Progressive – A+
  7. Erie Insurance – A+
  8. The Hartford – A+
  9. Nationwide – A+
  10. Esurance – A+

How careless driving impacts insurance rates

The obvious way to obtain low insurance premiums in Cincinnati for a Wrangler is to drive cautiously and not get tickets or have accidents. The diagram below highlights how traffic violations and at-fault claims influence auto insurance costs for different insured age categories. The rates are based on a single male driver, full coverage, $1,000 deductibles, and no discounts are applied.

In the previous chart, the average cost of auto insurance in Cincinnati per year with a clean driving record and no accidents is $1,231. Factor in one speeding ticket and the average cost jumps to $1,392, an increase of $161 each year. Now add in one accident along with the one speeding ticket and the 12-month cost of insurance for a Jeep Wrangler goes up to an average of $1,825. That’s an increase of $594, or $50 per month, just for not keeping your driving record clean!

Cost difference between full coverage and liability

Reducing premiums for insurance is the goal of the majority of vehicle owners, and an easy way to find cheaper insurance for a Jeep Wrangler is to not insure for full coverage. The information below illustrates the comparison of premium costs with full physical damage coverage and with liability coverage only. Data assumes a clean driving record, no claims, $1,000 deductibles, single marital status, and no additional discounts are factored in.

If averaged for all ages, comp and collision coverage costs an additional $1,074 per year more than insuring for liability only. At some point, every insured wonders when is it safe to stop buying full coverage. There is no set guideline to eliminate full coverage, but there is a broad guideline. If the annual cost of coverage is more than about 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let’s say your vehicle’s book value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $3,000 after you pay the deductible. If it’s costing in excess of $300 annually for full coverage, then it may be the right time to buy liability only.

There are some cases where dropping physical damage coverage is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not remove full coverage.

How to find budget-friendly insurance for a Jeep Wrangler

The list below summarizes some of the recommended money-saving solutions that can help Cincinnati drivers find lower-cost coverage.

The last suggestion is remarkably necessary, as we stressed in this piece. Insurance rates in Cincinnati adjust often, so drivers shouldn’t be reluctant to buy a policy from a new company if a more affordable rate is found.

Having a favorite company is great, but we do not recommend it if that devotion results in you overpaying a lot of money every month. It takes less than five minutes to compare rates to find cheaper insurance for a Jeep Wrangler.

The Cincinnati car insurance agencies listed below are willing to help you decide which auto insurance coverages would be the best in your situation, as some people have coverage questions and would like to have a little guidance when shopping for the best coverage for a Jeep Wrangler. It’s not always easy to find coverage yourself, so professional agents can provide comfort knowing your coverage gives you suitable coverage if you have an accident.

To find an auto insurance agency close to you, click the link after the list.

Connor Smith – State Farm Insurance Agent
9620 Colerain Ave #25Cincinnati, OH 45251(513) 385-3385

Gibbs and Associates Insurance
7710 Shawnee Run Rd # G2Cincinnati, OH 45243(513) 561-5551

Zimmer Insurance Agency
2148 Gilbert AveCincinnati, OH 45206(513) 381-1919

Jackie Meadows – State Farm Insurance Agent
2036 8 Mile RdCincinnati, OH 45244(513) 474-4940

Letitia Fulkerson – State Farm Insurance Agent
882 Ohio PikeCincinnati, OH 45245(513) 752-2144

View map of Cincinnati, OH insurance agents