What Insurance is Cheapest for a Jeep Wrangler in Baltimore?

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Jeep Wrangler insurance rates
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Finding cheap coverage for a Jeep Wrangler in Maryland is fairly easy, but it relies on a whole bunch of factors such as the safety rating for your Wrangler, your geographic location, and citations or violations on your driving record. Drivers will pay around $1,351 a year to insure their Wrangler, but that cost is based on a 50-year-old single male driver with full physical damage coverage and $100 deductibles.

When making auto insurance estimates, the issue arises that you may not be 50 years old (or even male), possibly married instead of single, or maybe you just want liability only instead of full coverage. Each driver's needs are different, and that demonstrates why the way we recommend to find cheap insurance prices for your Jeep is to do the rate comparisons yourself. Quotes only take a few minutes and you will receive prices from the best companies that offer coverage in Maryland.

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The specific model of Wrangler will have an impact the yearly cost, so the price you pay to insure a Wrangler Sport 4WD 2-Dr model will be $350 cheaper than the price to insure the high end Wrangler Unlimited Rubicon 4WD 4-Dr trim level, as shown in the prices below.

Jeep Wrangler Insurance Rates in Baltimore, MD
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $262 $418 $458 $28 $138 $1,304 $109
Wrangler Unlimited Sport 2WD 4-Dr $262 $418 $574 $34 $172 $1,460 $122
Wrangler Sport Islander Package 4WD 2-Dr $262 $534 $458 $28 $138 $1,420 $118
Wrangler Unlimited Sport 4WD 4-Dr $300 $418 $574 $34 $172 $1,498 $125
Wrangler Sahara 4WD 2-Dr $300 $534 $458 $28 $138 $1,458 $122
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $300 $418 $574 $34 $172 $1,498 $125
Wrangler Unlimited Sahara 2WD 4-Dr $300 $418 $574 $34 $172 $1,498 $125
Wrangler Rubicon 4WD 2-Dr $300 $534 $458 $28 $138 $1,458 $122
Wrangler Unlimited Sahara 4WD 4-Dr $300 $534 $574 $34 $172 $1,614 $135
Wrangler Unlimited Rubicon 4WD 4-Dr $340 $534 $574 $34 $172 $1,654 $138
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in specific location which can decrease or increase prices greatly.

Ending up with a good quality insurance provider is hard considering how many different companies there are to choose from in Maryland. The ranking data in the next section may help you select which car insurance providers to look at comparing prices from. The rankings below are for large insurance companies, so smaller companies are not factored into the list.

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

  1. USAA
  2. Travelers
  3. AAA Insurance
  4. Nationwide
  5. Safeco Insurance
  6. Progressive
  7. State Farm
  8. The Hartford
  9. The General
  10. Esurance

Top 10 Large Auto Insurance Companies in Baltimore Ranked by Value

  1. Travelers
  2. American Family
  3. AAA Insurance
  4. Safeco Insurance
  5. Progressive
  6. The Hartford
  7. The General
  8. 21st Century
  9. Esurance
  10. Titan Insurance

The example below highlights how deductible choice can raise or lower premium costs when researching cheap insurance for a Jeep Wrangler. The information is based on a single male driver, comp and collision included, and no other discounts are factored in.

The data above shows that a 30-year-old driver could reduce rates by $376 a year by changing from a $100 deductible to a $500 deductible, or save $568 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old category, can save $1,094 annually by using a higher deductible. If you make the decision to raise deductibles, it will be required to have emergency funds available to satisfy the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Discounts on Baltimore auto insurance rates

Cheaper Baltimore, MD insurance for a WranglerCar insurance companies that offer coverage for a Jeep Wrangler may have special discounts that could reduce prices by as much as 30% if you qualify for them. A few popular companies and a partial list of their discounts can be read below.

The illustration below compares auto insurance costs with and without discounts applied to the policy rates. The data is based on a male driver, no claims or violations, Maryland state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with anti-theft, claim-free, defensive driving course, marriage, vehicle safety, and homeowner discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on insurance for a Jeep Wrangler is 28% or $523.

Your low-price policy may be costing you money

Baltimore insurance rates are impacted by many factors which can substantially decrease or increase the price you have to pay. Getting older, increasing deductibles, or getting a ticket for running a stop sign can cause premium changes that can make some companies cheaper in comparison to the competition. And not only may your rating factors change, but companies change prices at least once a year to adjust for heavy claims or excess profits. A period of increased losses can cause rate hikes, while lower claim expenses may produce cheaper Wrangler insurance rates.

To help illustrate this point, the data below shows rates for the cheapest car insurance in Baltimore, MD for a 35-year-old male driver with no prior claims, no tickets, and solid credit. If we look at prices based on his personal profile, USAA may offer the most affordable car insurance rates in Baltimore at $1,619 each year. This is $60 more than the average premium paid by Maryland drivers of $1,559. Liberty Mutual, Penn National, Erie, and State Auto are also included in the most affordable Baltimore, MD auto insurance companies.

The example below compares rates after we give the driver from above an accident claim, a lower credit score, and a few blemishes on his driving record. Since each auto insurance company uses their own calculation to set policy rates, comparing rates may now result in a different list of affordable companies as shown below.

MetLife now has the cheapest price in Baltimore with Nationwide, Travelers, Liberty Mutual, and GEICO also being competitive. This example proves why it is critical to take the time to shop around when trying to find the cheapest insurance rates for a Jeep Wrangler. Insurance rates consist of many things and can decrease or increase without notice, so the best option two years ago may now be costing you a lot of money.

How to find low-cost auto insurance for a Jeep Wrangler

Here are a few money-saving ideas that can help Baltimore drivers get lower-cost coverage.

The last idea is notably important, as we noted in this article. Prices charged by companies in Baltimore go up and down frequently, so don't be tentative to buy from a different company if you find a better deal. Many drivers have brand loyalty and that's fine, but we do not recommend it if that loyalty results in overpaying hundreds every year. In less than five minutes you could compare prices and find cheaper auto insurance for a Jeep Wrangler.

If you prefer to get help from a professional when comparing insurance rates for a Jeep Wrangler, the agents listed below can most likely help you determine which coverage fits your budget. To find a Baltimore insurance agency by location nearest to you, click the button at the bottom of the list.

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