Finding the best cheap coverage for a Jeep Wrangler in Nevada depends on a whole bunch of factors such as how old the Wrangler is, the performance level of your vehicle, and any driving offenses on your record. Drivers in Nevada will pay around $888 each year to insure their Wrangler, but that cost is a valuation calculated based on a 40-year-old married male driver with full comprehensive and collision coverage and $250 deductibles.
This brings up the issue that more than likely you are not 40 and maybe not even a male, possibly single instead of married, and maybe you have sub-par credit that needs to be factored in. Every driver’s needs are different, and that is why the best method for finding the cheapest rates for your Jeep is to do the rate comparisons yourself. Compare rate quotes now and you can get prices from top-rated car insurance companies around.
The trim level of your Jeep will most likely have an effect on the coverage cost, so the price you pay to insure a Wrangler Sport 4WD 2-Dr model will be $228 lower than the price to insure the more well-appointed Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$188||$238||$318||$18||$96||$858||$72|
|Wrangler Unlimited Sport 2WD 4-Dr||$188||$238||$396||$24||$118||$964||$80|
|Wrangler Sport Islander Package 4WD 2-Dr||$188||$304||$318||$18||$96||$924||$77|
|Wrangler Unlimited Sport 4WD 4-Dr||$216||$238||$396||$24||$118||$992||$83|
|Wrangler Sahara 4WD 2-Dr||$216||$304||$318||$18||$96||$952||$79|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$216||$238||$396||$24||$118||$992||$83|
|Wrangler Unlimited Sahara 2WD 4-Dr||$216||$238||$396||$24||$118||$992||$83|
|Wrangler Rubicon 4WD 2-Dr||$216||$304||$318||$18||$96||$952||$79|
|Wrangler Unlimited Sahara 4WD 4-Dr||$216||$304||$396||$24||$118||$1,058||$88|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$244||$304||$396||$24||$118||$1,086||$91|
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Table data does not factor in specific zip code location which can impact rates substantially.
Insuring your vehicle with the highest-rated car insurance company can be challenging considering how many companies sell insurance in Henderson. The ranking information displayed below could help you pick which car insurance providers to look at when shopping around.
The ratings below include major nationwide insurance companies, so companies that only write business in Nevada or surrounding areas will not be included in this list. To compare prices from these and other competitive companies, click here.
Top 10 Major Auto Insurance Providers in Henderson Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
How to get discounts on Henderson insurance rates
Insurers that sell policies for a Jeep Wrangler may also offer rate discounts that could potentially reduce rates by 30% or more if you are eligible for them. Popular auto insurance companies and a partial list of their discounts are:
- Farm Bureau may offer discounts for driver training, multi-vehicle, renewal discount, good student, multi-policy, and youthful driver.
- State Farm offers premium reductions for Steer Clear safe driver discount, good student, good driver, multiple policy, anti-theft, driver’s education, and safe vehicle.
- Progressive offers discounts for online signing, continuous coverage, online quote discount, multi-vehicle, multi-policy, good student, and homeowner.
- Allstate includes discounts for resident student, anti-theft, auto/life discount, teenSMART discount, FullPay discount, anti-lock brakes, and eSmart discount.
- Nationwide may include discounts for defensive driving, business or organization, multi-policy, accident-free, anti-theft, easy pay, and family plan.
- MetLife has discounts for accident-free, defensive driver, good driver, claim-free, good student, and multi-policy.
The information below shows the difference between auto insurance rates with and without discounts applied to the rates. Data assumes a female driver, a clean driving record, no claims, Nevada state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with claim-free, multiple policy, anti-theft, homeowner, accident-free, and safe-driver discounts applied. In this example, the average amount saved each year on auto insurance for a Jeep Wrangler is 28% or $508.
The importance of shopping around
Nevada auto insurance rates are calculated based on many things that will increase or decrease the price you pay. Getting older, buying a new vehicle, or getting a DUI may cause policy rate changes that may make certain companies more affordable than competitors.
Also, car insurance companies change rates every year or even multiple times each year to reflect underwriting profits or losses. Significantly higher losses may cause additional price hikes, while better underwriting can cause cheaper Wrangler insurance rates.
The chart below shows which company has the cheapest car insurance in Henderson, NV for a 35-year-old male driver with a clean driving record, no accidents, and a high credit rating. If we estimate rates based on his current risk factors, Travelers may offer the most affordable car insurance rates in Henderson at $1,475 a year. This is $99 less than the average rate paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and Progressive are also on the list of the most affordable Henderson, NV auto insurance companies.
Now we will give the driver from the first rate comparison some claims, slightly worse credit, and a traffic ticket or two. Because each company has their own process for filing rates in each state, comparing quotes may now result in a significantly different list of affordable Henderson car insurance companies as shown below.
Allied now has the lowest car insurance rate in Henderson, NV with GEICO, Nationwide, USAA, and Safeco now being in the top five. This illustrates why it is crucial to compare as many rates as possible when trying to find affordable insurance quotes for a Jeep Wrangler. Insurance rates are impacted by many risk factors and can change substantially, so the most economical option two years ago may now be one of the higher cost companies.