Finding affordable insurance for a Jeep Wrangler in Oregon can be really easy, but it hinges on a pretty complex algorithm that uses a lot of factors such as whether you use your Wrangler for business use, if you have recent claims, and the deductible amount you use. Drivers pay approximately $948 each year to insure their Wrangler, but that is a valuation using a 30-year-old married female driver with both comprehensive and collision coverage and $250 deductibles.
Most likely you are not 30 years old and maybe not even female, you might be single instead of married, and maybe you want different deductibles. Different coverage needs are the reason why the only way to find cheap insurance rates for your Jeep is to put in the effort to do a thorough rate comparison. In just a few minutes you will be able to see rates from the best auto insurance companies that offer coverage in Oregon.
Your Jeep’s trim level tends to impact the coverage cost, so the price you pay to insure a Wrangler Sport 4WD 2-Dr trim level will be $246 less expensive the cost to insure the fancier Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$208||$262||$326||$20||$98||$914||$76|
|Wrangler Unlimited Sport 2WD 4-Dr||$208||$262||$408||$24||$122||$1,024||$85|
|Wrangler Sport Islander Package 4WD 2-Dr||$208||$336||$326||$20||$98||$988||$82|
|Wrangler Unlimited Sport 4WD 4-Dr||$240||$262||$408||$24||$122||$1,056||$88|
|Wrangler Sahara 4WD 2-Dr||$240||$336||$326||$20||$98||$1,020||$85|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$240||$262||$408||$24||$122||$1,056||$88|
|Wrangler Unlimited Sahara 2WD 4-Dr||$240||$262||$408||$24||$122||$1,056||$88|
|Wrangler Rubicon 4WD 2-Dr||$240||$336||$326||$20||$98||$1,020||$85|
|Wrangler Unlimited Sahara 4WD 4-Dr||$240||$336||$408||$24||$122||$1,130||$94|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$270||$336||$408||$24||$122||$1,160||$97|
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Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in your specific Portland location which can decrease or increase prices greatly.
Buying coverage from the highest-rated insurer is difficult considering how many companies there are in Oregon. The company information listed below may help you select which coverage providers to look at shopping your coverage with.
The rankings below are for companies that insure vehicles nationwide, so smaller companies that only insure vehicles in Oregon will not be included in these rankings. To compare rates from these top-rated insurers and more, click this link.
Top 10 Major Car Insurance Companies in Portland Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- The Hartford
- The General
- 21st Century
Poor driving habits will raise your insurance rates
The best way to score affordable insurance rates in Portland for a Wrangler is to drive safe and avoid accidents and traffic citations. The information below shows how traffic citations and at-fault fender-benders impact premium costs for different age groups. The rates are based on a single female driver, full coverage, $100 deductibles, and no policy discounts are applied.
In the example above, the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,935. Get written up for one speeding ticket and the average cost hikes up to $2,195, an increase of $260 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 $2,904. That’s an increase of $969, or $81 per month, just for not being more responsible behind the wheel!
Discounts on Portland auto insurance rates
Car insurance companies that sell policies for a Jeep Wrangler may have premium discounts that can reduce rates by as much as 40% or more if you meet specific eligibility requirements. A few popular companies and a selection of discounts can be found below.
- State Farm may have discounts that include defensive driving training, student away at school, multiple policy, multiple autos, and safe vehicle.
- Nationwide has savings for Farm Bureau membership, accident-free, anti-theft, family plan, good student, and business or organization.
- GEICO offers discounts including air bags, five-year accident-free, emergency military deployment, seat belt use, defensive driver, multi-vehicle, and membership and employees.
- AAA offers premium reductions for multi-car, education and occupation, AAA membership discount, good student, and multi-policy.
- 21st Century discounts include air bags, 55 and older, defensive driver, theft prevention, and student driver.
- The Hartford has discounts for vehicle fuel type, driver training, good student, defensive driver, air bag, anti-theft, and bundle.
The illustration below visualizes the comparison of insurance costs with and without discounts applied to the premium. The premiums are based on a female driver, no claims, a clean driving record, Oregon state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, defensive driving course, accident-free, vehicle safety, passive restraint, and claim-free discounts applied. When drivers take advantage of discounts, theaverage amount saved on insurance for a Jeep Wrangler is 28% or $512.
How to find low-cost insurance for a Jeep Wrangler
Lowering your rates is not difficult, and here are some of the better penny-pinching solutions that can help Portland drivers get lower-cost coverage.
- Do not get tickets or violations
- Good credit can mean cheaper rates
- Drive attentively and avoid accidents
- Higher comprehensive and collision coverage deductibles will save money
- Buying car and homeowners insurance together can save money
- Save money by staying claim-free
- Compare rate quotes often
The final tip is certainly critical, as we discussed in the prior information. Auto insurance rates in Portland vary greatly, so don’t be hesitant to buy from a new company if a more affordable price is available. Brand loyalty is great, but it’s not a good idea if that faithfulness ends up costing you big bucks every year. If you have a few minutes, now is a great time to compare prices and find cheaper insurance for a Jeep Wrangler.
The insurance agents in Portland listed below can probably help you make a decision which policy is best, since lots of people like to get help from a professional when buying car insurance for a Wrangler. It can be time-consuming to find the cheapest rates, so a professional agent can give you satisfaction knowing you have adequate protection.
To locate a Portland car insurance agency in your neighborhood, click the button at the bottom of the list.
Mark Nguyen – State Farm Insurance Agent
14146 SE Stark St – Portland, OR 97233 – (503) 253-2110
John Freeman – State Farm Insurance Agent
8519 SE Woodstock Blvd – Portland, OR 97266 – (503) 228-1311
Metro One Insurance Agency
3423 S Telegraph Rd, Dearborn, MI 48124 – Dearborn, OR 48124 – (313) 456-9455
Kilong Ung – State Farm Insurance Agent
4000 SE 82nd Ave #1400 – Portland, OR 97266 – (503) 777-6762