Finding the best cheap coverage for a Jeep Wrangler in Illinois relies on many rating factors such as whether you are male or female, if you have prior claims, and if you have tickets or violations. Drivers in Illinois will pay on average $682 a year to insure their Wrangler, but that amount is a valuation using a 40-year-old married male driver with full physical damage coverage and $500 deductibles.
More likely than not, you are not 40 years old and maybe not even male, single instead of married, and maybe you have sub-par credit that needs to be factored in. There is no perfect policy for every driver, so the way we recommend to find the cheapest coverage for your Jeep is to do your own rate comparisons. To cut your rates now, get a free quote and you will be able to see rates from top-rated companies that offer coverage in Illinois.
Compare Jeep Wrangler Insurance Rates
The specific trim level will likely have an effect on the annual cost of coverage, so the price you will pay to insure a Wrangler Sport 4WD 2-Dr model will be $176 less than the price to insure the more expensive Wrangler Unlimited Rubicon 4WD 4-Dr version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $130 | $162 | $268 | $16 | $80 | $656 | $55 |
| Wrangler Unlimited Sport 2WD 4-Dr | $130 | $162 | $336 | $20 | $100 | $748 | $62 |
| Wrangler Sport Islander Package 4WD 2-Dr | $130 | $208 | $268 | $16 | $80 | $702 | $59 |
| Wrangler Unlimited Sport 4WD 4-Dr | $150 | $162 | $336 | $20 | $100 | $768 | $64 |
| Wrangler Sahara 4WD 2-Dr | $150 | $208 | $268 | $16 | $80 | $722 | $60 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $150 | $162 | $336 | $20 | $100 | $768 | $64 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $150 | $162 | $336 | $20 | $100 | $768 | $64 |
| Wrangler Rubicon 4WD 2-Dr | $150 | $208 | $268 | $16 | $80 | $722 | $60 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $150 | $208 | $336 | $20 | $100 | $814 | $68 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $168 | $208 | $336 | $20 | $100 | $832 | $69 |
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rate information does not factor in specific location information which can raise or lower premium rates significantly.
Trying to buy budget car insurance is easier said than done, and figuring out which company offers the cheapest car insurance rates for a Jeep Wrangler will involve additional perseverance.
Every insurance provider uses their own formula for setting prices, so we'll take a look at the lowest cost car insurance companies in Chicago, IL. It's important that you understand Chicago, IL car insurance rates are based on many factors that may substantially change the price you pay for coverage. Simply having another birthday, moving to a different location, or getting a couple of tickets may cause policy rate changes that can cause some rates to be much higher than others.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $769 |
| 2 | Rockford Mutual | $813 |
| 3 | Titan | $860 |
| 4 | Cincinnati Insurance | $888 |
| 5 | Erie | $914 |
| 6 | Travelers | $952 |
| 7 | State Farm | $972 |
| 8 | Utica National | $975 |
| 9 | USAA | $988 |
| 10 | SECURA | $1,005 |
| 11 | Auto-Owners | $1,033 |
| 12 | Safeco | $1,053 |
| 13 | GEICO | $1,085 |
| 14 | Amica | $1,087 |
| 15 | California Casualty | $1,161 |
| 16 | Farmers | $1,181 |
| 17 | Esurance | $1,221 |
| 18 | MetLife | $1,244 |
| 19 | Progressive | $1,256 |
| 20 | State Auto | $1,273 |
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The Hartford generally has some of the cheapest car insurance rates in Chicago at around $769 each year. Rockford Mutual, Titan, Cincinnati Insurance, and Erie also qualify as some of the most economical Chicago, IL car insurance companies.
As shown in the rates above, if you buy coverage from Rockford Mutual and switched to The Hartford, you may realize an annual savings of in the neighborhood of $44. Illinois drivers with Titan could save as much as $91 a year, and Cincinnati Insurance customers might reduce prices by as much as $119 a year.
Be aware that those estimates are averaged for all drivers and vehicles and do not factor in an exact zip code location for a Jeep Wrangler. So the auto insurance company that has the cheapest rates for you may not even be in the top 36 companies in the list above. That helps illustrate why you need to quote rates from many companies using your own individual information.
Get discounts on Chicago auto insurance
Insurers that offer coverage for a Jeep Wrangler may have discounts that can lower rates by 35% or more if you qualify. A few of the larger companies and some of their more popular discounts are:
- American Family may have discounts that include accident-free, good driver, bundled insurance, early bird, and good student.
- State Farm offers discounts for accident-free, Drive Safe & Save, good driver, passive restraint, multiple autos, driver's education, and Steer Clear safe driver discount.
- 21st Century offers premium reductions for theft prevention, anti-lock brakes, homeowners, teen driver, and good student.
- Travelers offers discounts including multi-car, driver training, hybrid/electric vehicle, save driver, new car, multi-policy, and IntelliDrive.
- GEICO may include discounts for seat belt use, driver training, emergency military deployment, air bags, multi-vehicle, and five-year accident-free.
The information below shows the comparison of insurance rates with and without discounts applied to the policy premium. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, Illinois state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with defensive driving course, anti-theft, vehicle safety, passive restraint, accident-free, and claim-free discounts applied. When these discounts are applied, theamount saved on car insurance for a Jeep Wrangler is 28% or $360.
Who has the cheapest Wrangler insurance?
Chicago, IL car insurance rates are determined by lots of factors that control the price you have to pay. Improving your credit rating, buying a home instead of renting, or getting a reckless driving citation can produce rate changes that can now make some companies cheaper than competitors. And not only may your rating factors change, but insurance companies file new Illinois car insurance rates at least once a year in order to be able to pay unexpected claims. A period of higher than normal claims can result in additional price hikes, while lower claim expenses can result in lower-priced Wrangler insurance rates.
The data below shows the cheapest car insurance in Chicago, IL for a 30-year-old male driver with no prior claims, no tickets, and solid credit. When comparing rates based on his current risk factors, The Hartford offers the best car insurance rates in Chicago at $1,212 per year. This is $137 less than the average rate paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Erie, and Cincinnati Insurance are the remainder of the top five cheapest Chicago, IL auto insurance companies.
The next chart shows rates after we give the driver from the first rate comparison a chargeable accident, slightly worse credit, and a traffic ticket or two. Due to the fact that every insurance company has a proprietary formula to set premium rates, getting updated rate quotes may result in a substantially altered list of affordable Chicago car insurance companies as shown below.
Utica National now has the lowest price in Chicago with USAA, State Farm, SECURA, and Auto-Owners now being in the top five. This shows why Illinois drivers need to take the time to shop around to find the lowest insurance rates for a Jeep Wrangler.
Insurance prices are determined by many risk factors and change substantially, so the cheapest option two years ago may now be quite expensive.