Buying cheaper coverage for a Jeep Wrangler in South Carolina is normally pretty easy, but it is dependent upon lots of different rating factors such as how you use your Wrangler, whether or not you have prior claims, and your driving record. Drivers pay around $817 a year to insure their Wrangler, but that amount is calculated using a 50-year-old married male driver with full physical damage coverage and $500 deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not 50 and maybe not even a male, maybe you are single instead of married, or maybe you don't qualify for the same discounts. Having what appears to be a very minor change in rating criteria or coverage limits could end up in a significant change in the cost of insuring your Wrangler.
This illustrates why the way we recommend to find the cheapest rates for your Jeep is to just take the time to compare rates yourself. Compare rate quotes now and you can get rates from some of the best insurers that insure Jeep vehicles in South Carolina.
Your vehicle's trim level has an effect on the annual cost of coverage, so the rate you will pay to insure a Wrangler Sport 4WD 2-Dr will be $206 lower than the insurance cost for the more expensive Wrangler Unlimited Rubicon 4WD 4-Dr version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$146||$196||$328||$20||$98||$788||$66|
|Wrangler Unlimited Sport 2WD 4-Dr||$146||$196||$410||$24||$122||$898||$75|
|Wrangler Sport Islander Package 4WD 2-Dr||$146||$250||$328||$20||$98||$842||$70|
|Wrangler Unlimited Sport 4WD 4-Dr||$168||$196||$410||$24||$122||$920||$77|
|Wrangler Sahara 4WD 2-Dr||$168||$250||$328||$20||$98||$864||$72|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$168||$196||$410||$24||$122||$920||$77|
|Wrangler Unlimited Sahara 2WD 4-Dr||$168||$196||$410||$24||$122||$920||$77|
|Wrangler Rubicon 4WD 2-Dr||$168||$250||$328||$20||$98||$864||$72|
|Wrangler Unlimited Sahara 4WD 4-Dr||$168||$250||$410||$24||$122||$974||$81|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$188||$250||$410||$24||$122||$994||$83|
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in vehicle location which can increase or decrease coverage rates significantly.
Trying to find cost effective insurance is difficult, and figuring out which insurers offer the most affordable auto insurance rates for a Jeep Wrangler in South Carolina takes a bit more work.
Each insurer uses their own calculation to set policy rates, so we need to take a look at the most competitive auto insurance companies in South Carolina. It's a good idea to be aware that South Carolina auto insurance rates are calculated based on many things that may substantially change the price you have to pay. This price variation is why it is critical to spend some time comparing rates to get the most budget-friendly insurance quotes for a Jeep Wrangler. Auto insurance prices can be determined by many things and change dramatically, so the cheapest company a year ago may now be costing you a lot of money.
Best Auto Insurance Prices for Your Jeep
|Rank||Company||Cost Per Year|
|5||SC Farm Bureau Mutual||$1,286|
|6||Southern Farm Bureau||$1,298|
|7||National Grange Mutual||$1,335|
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The Hartford may offer some of the cheapest car insurance rates in South Carolina at around $745 per year. USAA, Auto-Owners, State Auto, and SC Farm Bureau Mutual also are some of the most economical South Carolina auto insurance companies.
In this example, if you are a policyholder with Auto-Owners and switched to The Hartford, you could earn yearly savings of about $374. Insureds with State Auto might save as much as $393 a year, and SC Farm Bureau Mutual policyholders might cut rates by $541 a year.
It's important to note that these premium estimates are averages across all insureds and vehicles and and are not calculated with a specific rate factor for a Jeep Wrangler. So the car insurance company that fits your needs best may not even be in the top 18 companies shown above. That is why you need to get rate quotes from many companies using your own driver data and vehicle information.
Discounts on South Carolina insurance
Car insurance companies that sell policies for a Jeep Wrangler may also offer discounts that can reduce rates by 30% or more if you are eligible. A few of the larger companies and a summarized list of policyholder discounts can be read below.
- Travelers includes discounts for continuous insurance, IntelliDrive, hybrid/electric vehicle, student away at school, and home ownership.
- 21st Century discounts include defensive driver, good student, homeowners, early bird, air bags, 55 and older, and student driver.
- State Farm offers discounts for safe vehicle, passive restraint, student away at school, accident-free, multiple autos, good driver, and multiple policy.
- GEICO offers premium reductions for federal employee, seat belt use, anti-lock brakes, driver training, five-year accident-free, and daytime running lights.
- SAFECO has discounts for accident prevention training, anti-lock brakes, anti-theft, teen safe driver, bundle discounts, and homeowner.
- AAA has savings for multi-policy, AAA membership discount, good student, education and occupation, good driver, anti-theft, and pay-in-full.
The information below compares insurance premiums with and without discounts applied to the policy rates. The premium estimates are based on a female driver, no accidents or driving violations, South Carolina state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with safe-driver, vehicle safety, accident-free, marriage, homeowner, and defensive driving course discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on auto insurance for a Jeep Wrangler is 28% or $548.
Careless South Carolina drivers pay higher rates
The best way to score the best auto insurance premiums in South Carolina for a Wrangler is to pay attention while driving and not get tickets or have accidents. The diagram below illustrates how speeding tickets and at-fault accidents increase auto insurance rates for each different age group. The costs are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
The data above shows the average cost of car insurance in South Carolina per year with no violations or accidents is $1,257. Add in one speeding ticket and the average cost hikes up to $1,468, an increase of $211 each year. Now throw in one accident along with the one speeding ticket and the annual cost of auto insurance for a Jeep Wrangler in South Carolina increases to an average of $2,037. That's an increase of $780, or $65 per month, just for not driving attentively!
How to find economical insurance for a Jeep Wrangler in South Carolina
The list below details some penny-pinching solutions that can help you quote cheaper car insurance.
- Drive safely
- Too many claims can make car insurance unaffordable
- Pay cheaper rates with good credit scores
- Remain accident-free and save
- Choose a safer vehicle and pay lower rates
- Check for cheaper rates once a year
That last tip is extraordinarily vital, as we discussed in this write-up. Car insurance rates adjust often, so drivers shouldn't be resistant to buy from a new company if a more affordable price is available. Many consumers stick with the same company and that's fine, but we do not recommend it if that inflexibility results in costing you a small fortune year after year. Now is a great time to compare rates and find cheaper insurance for a Jeep Wrangler.