Buying economical insurance for a Jeep Wrangler is pretty simple for most people to do, but it hinges on a lot of things such as how you use your Wrangler, whether or not you have prior claims, and your driving record. Louisiana drivers will pay on average $1,243 annually to insure their Wrangler, but that is an approximation calculated based on a 30-year-old married female driver with full coverage and $500 deductibles.
There’s a good chance you may not be 30 years old (or even female), you might be single instead of married, or maybe you just want liability only instead of full coverage. Having even a minor difference in the rating criteria used to formulate rates could end up with a large change in the cost of insurance.
The different assumptions illustrate why the best way to find the cheapest rates for your Jeep is to do your own rate comparisons. It’s really quite easy you will be able to compare rates from top-rated car insurance companies in Louisiana.
The trim level of your Wrangler has an effect on price, so the price to insure a Wrangler Sport 4WD 2-Dr will be $320 less expensive the price to insure the more costly Wrangler Unlimited Rubicon 4WD 4-Dr version, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $246 | $308 | $474 | $28 | $142 | $1,198 | $100 |
| Wrangler Unlimited Sport 2WD 4-Dr | $246 | $308 | $592 | $36 | $178 | $1,360 | $113 |
| Wrangler Sport Islander Package 4WD 2-Dr | $246 | $392 | $474 | $28 | $142 | $1,282 | $107 |
| Wrangler Unlimited Sport 4WD 4-Dr | $284 | $308 | $592 | $36 | $178 | $1,398 | $117 |
| Wrangler Sahara 4WD 2-Dr | $284 | $392 | $474 | $28 | $142 | $1,320 | $110 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $284 | $308 | $592 | $36 | $178 | $1,398 | $117 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $284 | $308 | $592 | $36 | $178 | $1,398 | $117 |
| Wrangler Rubicon 4WD 2-Dr | $284 | $392 | $474 | $28 | $142 | $1,320 | $110 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $284 | $392 | $592 | $36 | $178 | $1,482 | $124 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $320 | $392 | $592 | $36 | $178 | $1,518 | $127 |
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Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rates do not factor in zip code location which can influence coverage rates substantially.
Choosing the top car insurance company is hard considering how many different companies there are to choose from in New Orleans. The ranking data in the next section can help you decide which car insurance providers to look at purchasing a policy from. These ratings are only made up of the largest companies in America, so companies that only write business in Louisiana or surrounding areas are not taken into consideration for the list.
Top 10 Large Car Insurance Companies Overall in New Orleans
- USAA
- AAA Insurance
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
- American Family
- Esurance
- The General
Reckless driving habits raise New Orleans insurance rates
The common sense way to find good insurance rates for a Wrangler is to pay attention while driving and not have accidents or get tickets. The diagram below illustrates how violations and at-fault fender-benders can affect insurance rates for different age groups. Data assumes a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
In the prior example, the average cost of auto insurance in Louisiana per year with a clean driving record and no accidents is $2,802. Add in two speeding tickets and the average cost increases to $3,739, an increase of $937 each year. Next add two accidents along with the two speeding tickets and the yearly cost of insurance for a Jeep Wrangler increases to an average of $7,551. That’s an increase of $4,748, or $396 per month, just for not being attentive to the road!
Why you should be shopping around
New Orleans insurance rates are impacted by many things which can substantially decrease or increase the cost of your policy. Improving your credit score, becoming a homeowner, or getting a ticket for careless driving can produce rate changes that can cause some rates to be cheaper in comparison to the competition. And not only may your rating factors change, but insurance companies change the rates they charge in Louisiana as often as every quarter in order to remain profitable. An extended period of higher than normal claims can result in increased rates, while a profitable period may result in more affordable Wrangler insurance rates.
To help illustrate this point, the graph below shows rates for the cheapest car insurance in New Orleans, LA for a 40-year-old male driver with no prior claims, no tickets, and a good credit history. Based on his current risk factors, USAA quotes the lowest car insurance rates in New Orleans at $2,782 a year. This is $368 more than the average premium paid by Louisiana drivers of $2,414. GEICO, MetLife, Progressive, and Safeway round out the rest of the best New Orleans, LA auto insurance companies.
Now we will give the driver from the above example a claim, a little lower credit rating, and a traffic ticket or two. Because each insurer has their own guidelines to determine rates, analyzing rate quotes most likely will result in a different list of the cheapest companies as shown below.
California Casualty now has the lowest car insurance rate in New Orleans with State Farm, USAA, Safe Auto, and GEICO also being competitive. This illustrates why consumers need to take the time to compare rates to find cheap car insurance rates for a Jeep Wrangler.
Rates can be determined by many factors and change substantially, so the cheapest option when you bought your policy may now not even be in the top five.
How to find cheaper insurance for a Jeep Wrangler
It is possible to find better rates, and here are some of the better penny-pinching ideas that can help New Orleans drivers find cheaper car insurance.
- Do not get into accidents that are your fault
- Too many claims can make car insurance unaffordable
- Full coverage may not be needed on older vehicles
- Raise deductibles
- Ensure your driving record is clean
- Look for cheaper rates once a year by shopping around
That final tip is highly critical, as was affirmed in the prior article. Insurance prices in New Orleans vary considerably, so don’t be hesitant to switch to a new company if a better rate can be found. Having a favorite company is great, but it’s not recommended if that devotion results in you overpaying a wad of cash every year. In just a couple of minutes you could shop around to find cheaper insurance for a Jeep Wrangler.
The New Orleans, LA, insurance agents below can probably answer your questions and help you decide which coverage fits your budget, since some drivers have questions and prefer to get some help when trying to find the best insurance rates for a Wrangler. It can be time-consuming to find the cheapest car insurance policy, so getting advice from a licensed Louisiana insurance agent can give you satisfaction knowing your policy gives you sufficient coverage at claim time.
To find a New Orleans insurance agent using an interactive map, click the button below the list or click here to get price quotes now.
- Ben Guillory – State Farm Insurance Agent
4111 Franklin Ave – New Orleans, LA 70122 – (504) 943-4055 - Beth Anne Naugher – State Farm Insurance Agent
3536 Holiday Dr a – New Orleans, LA 70114 – (504) 367-6660 - Allstate Insurance: Kenneth Taylor
7037 Canal Blvd #201 – New Orleans, LA 70124 – (504) 283-9310 - Lovecchio Insurance
1510 Robert E Lee Blvd – New Orleans, LA 70122 – (504) 284-7778 - Chase Dardar – State Farm Insurance Agent
6301 S Claiborne Ave – New Orleans, LA 70125 – (504) 861-4529