Who Has Cheap Bakersfield Auto Insurance for a Jeep Wrangler?

Buying affordable coverage for a Jeep Wrangler in California relies on a complicated formula that considers factors such as your age, your occupation, and any prior driving citations you have received. Drivers in California will pay on average $1,228 a year for Wrangler insurance, but that is an approximation calculated based on a 50-year-old married female driver with full comprehensive and collision coverage and $100 deductibles.

More likely than not, you’re not a 50-year-old female, maybe you are single instead of married, and you might want liability-only or different deductibles. Every driver’s needs are different, and that is why the best method for finding cheap car insurance rates for your Jeep is to just take the time to compare rates yourself. Comparing quotes is easy and you will receive prices from some of the most affordable companies that sell coverage in California.

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The specific trim level tends to have a direct impact on the coverage cost, so the price you pay to insure a Wrangler Sport 4WD 2-Dr trim level will be $318 less expensive the cost to insure the high end Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown in the table below.

Jeep Wrangler Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $256 $366 $416 $24 $124 $1,186 $99
Wrangler Unlimited Sport 2WD 4-Dr $256 $366 $520 $30 $156 $1,328 $111
Wrangler Sport Islander Package 4WD 2-Dr $256 $468 $416 $24 $124 $1,288 $107
Wrangler Unlimited Sport 4WD 4-Dr $292 $366 $520 $30 $156 $1,364 $114
Wrangler Sahara 4WD 2-Dr $292 $468 $416 $24 $124 $1,324 $110
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $292 $366 $520 $30 $156 $1,364 $114
Wrangler Unlimited Sahara 2WD 4-Dr $292 $366 $520 $30 $156 $1,364 $114
Wrangler Rubicon 4WD 2-Dr $292 $468 $416 $24 $124 $1,324 $110
Wrangler Unlimited Sahara 4WD 4-Dr $292 $468 $520 $30 $156 $1,466 $122
Wrangler Unlimited Rubicon 4WD 4-Dr $330 $468 $520 $30 $156 $1,504 $125
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Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate information does not factor in specific zip code location which can lower or raise premium rates considerably.

Finding out which companies have the most affordable car insurance rates for a Jeep Wrangler calls for a little more work in order to find the lowest price.

Every auto insurer uses different criteria for filing rates in each state, so we will examine the overall cheapest car insurance companies in Bakersfield, CA.

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Cheapest California auto insurance companies
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,146
3 Century National $1,178
4 Nationwide $1,213
5 CSAA $1,234
6 21st Century $1,338
7 Grange $1,477
8 Progressive $1,496
9 Allstate $1,497
10 Allied $1,541
11 Mercury $1,548
12 GEICO $1,559
13 The Hartford $1,623
14 MetLife $1,638
15 Unitrin $1,682
16 Esurance $1,688
17 State Farm $1,733
18 Bristol West $1,777
19 Travelers $1,788
20 Farmers $2,006
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USAA offers some of the cheapest car insurance rates in Bakersfield at around $1,121 per year. Wawanesa, Century National, Nationwide, and CSAA also qualify as some of the cheapest Bakersfield, CA car insurance companies.

As shown above, if you buy coverage from Nationwide and switched to USAA, you may see annual savings of in the neighborhood of $92. California drivers with CSAA could save as much as $113 a year, and 21st Century insureds might reduce prices by as much as $217 a year.

To find out how your current rates compare, click here to get a free quote or quote rates from the companies below.

Bear in mind that those rates are averaged across all drivers and vehicles and do not take into consideration an exact vehicle garaging location for a Jeep Wrangler. So the insurer that fits you best may not even be in the top 24 companies shown above. That point stresses why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

The example below shows how choosing a deductible can impact insurance premiums when searching for cheap insurance for a Jeep Wrangler. The premiums are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.

The chart above illustrates that a 30-year-old driver could cut expenses by $418 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $632 by using a $1,000 deductible. Even younger insureds, like the 20-year-old example, could reduce their rates as much as $918 or more just by choosing higher deductibles when buying full coverage.

When choosing a higher deductible, it is a good idea to have spare funds to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Full coverage or liability only

Saving money when shopping for car insurance should be important to the majority of drivers, and one of the fastest ways to pay less for insurance for a Jeep Wrangler is to buy liability only. The information below illustrates the comparison of insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The premiums are based on no driving violations, no at-fault accidents, $1,000 deductibles, single status, and no discounts are applied to the premium.

On average, physical damage coverage on your policy costs an extra $1,915 per year more than carrying just liability coverage. That proposes the question if buying full coverage is worth the money. There isn’t a steadfast formula of when to exclude physical damage coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than around 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

There are some situations where dropping full coverage is not in your best interest. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

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Bakersfield, CA car insurance rates are determined by lots of factors which can significantly increase or decrease the price you pay. Simply improving your credit, buying higher coverage limits, or getting into an accident can cause premium changes that can now make some companies cheaper than competitors.

Also, companies modify pricing as needed in order to protect their financial rating. Significantly higher claims can result in more expensive prices, while better underwriting may produce more affordable Wrangler insurance rates.

As an example, the bar chart below compares the cheapest car insurance in Bakersfield, CA for a 45-year-old male driver with a clear driving record, no claims, and good credit. If we compare prices based on his current risk factors, USAA might quote the lowest car insurance rates in Bakersfield at $1,140 a year. This is $511 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide round out the rest of the best Bakersfield, CA auto insurance companies.

In the next rate comparison, we’ll give the driver in the first example an at-fault accident, a lower credit score, and a speeding citation. Due to the fact that every auto insurer has a unique approach to set their prices, comparing prices may now result in a significantly different list of affordable Bakersfield car insurance companies as shown below.

Grange now has the cheapest car insurance in Bakersfield, CA with Allstate, Progressive, Mercury, and GEICO completing the list. This demonstrates why consumers need to take the time to spend some time comparing rates to get the most economical auto insurance rates for a Jeep Wrangler.

Insurance prices can be determined by many risk factors and can decrease or increase without notice, so the best option the last time you shopped your coverage around may now be priced much higher than other options.

The Bakersfield car insurance agencies listed below are a good start to aid you in deciding which coverage fits your budget, since lots of people like to have the advice of a professional agent when shopping for the best coverage for a Jeep Wrangler. It can be difficult to find the best coverage yourself, and a professional agent can add comfort knowing your coverage gives you adequate protection.

To locate a Bakersfield auto insurance agent by location nearest to you, click the button following the list or click here to compare price quotes now.

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How to find cheaper auto insurance for a Jeep Wrangler

The list below summarizes many money-saving solutions that can help Bakersfield drivers buy cheap auto insurance.

That final tip is highly critical, as was pointed out in the prior information. Car insurance rates in Bakersfield can be changed at any time, so you should be ready to buy a different policy if a better deal can be had.

Many consumers stick with the same company and that’s fine, but it’s not recommended if that stubbornness costs you money that could be going to better use. It takes less than five minutes to compare prices and find cheaper car insurance for a Jeep Wrangler.