What Auto Insurance is Cheapest for a Jeep Wrangler in Oakland?

Finding competitive car insurance for a Jeep Wrangler depends on a very complex rating algorithm that uses multiple factors such as driver age, your credit score, and the level of deductible you choose. California drivers will pay on average $1,365 each year to insure their Wrangler, but that amount is an approximation using a 50-year-old single male driver with full coverage and $250 deductibles.

The issue that arises when projecting rates is that it’s very likely that you aren’t exactly 50 years old or even a male, married instead of single, or maybe you don’t qualify for the same discounts. Have just a small change in rating criteria or coverage limits may result in significant differences in how much coverage for a Jeep Wrangler costs.

Each driver’s needs are different, and that demonstrates why the way we recommend to find cheap car insurance rates for your Jeep is to do your own rate comparisons.

Find Cheaper Jeep Wrangler Insurance

The trim level of your vehicle can impact the cost of insurance, so the price you will be charged to insure a Wrangler Sport 4WD 2-Dr model will be $348 less expensive the cost to insure the more costly Wrangler Unlimited Rubicon 4WD 4-Dr trim level, as shown by the rates below.

Jeep Wrangler Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $256 $382 $500 $30 $150 $1,318 $110
Wrangler Unlimited Sport 2WD 4-Dr $256 $382 $624 $36 $186 $1,484 $124
Wrangler Sport Islander Package 4WD 2-Dr $256 $488 $500 $30 $150 $1,424 $119
Wrangler Unlimited Sport 4WD 4-Dr $294 $382 $624 $36 $186 $1,522 $127
Wrangler Sahara 4WD 2-Dr $294 $488 $500 $30 $150 $1,462 $122
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $294 $382 $624 $36 $186 $1,522 $127
Wrangler Unlimited Sahara 2WD 4-Dr $294 $382 $624 $36 $186 $1,522 $127
Wrangler Rubicon 4WD 2-Dr $294 $488 $500 $30 $150 $1,462 $122
Wrangler Unlimited Sahara 4WD 4-Dr $294 $488 $624 $36 $186 $1,628 $136
Wrangler Unlimited Rubicon 4WD 4-Dr $332 $488 $624 $36 $186 $1,666 $139
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in Oakland location which can decrease or increase insurance rates considerably.

Buying budget car insurance is not most people’s favorite thing to do, and determining which company quotes the most affordable auto insurance rates for a Jeep Wrangler calls for even more perseverance. Every auto insurer has a different process for determining prices, so we need to take a look at the lowest cost auto insurance companies in California.

Compare Cheap Insurance Quotes for Your Jeep

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Cheapest auto insurance in California ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,109
2 Wawanesa $1,192
3 Century National $1,226
4 CSAA $1,234
5 Nationwide $1,263
6 21st Century $1,379
7 Grange $1,477
8 Mercury $1,503
9 Allied $1,541
10 Progressive $1,558
11 Allstate $1,559
12 GEICO $1,575
13 The Hartford $1,591
14 MetLife $1,606
15 Unitrin $1,682
16 Esurance $1,688
17 State Farm $1,750
18 Bristol West $1,777
19 Travelers $1,860
20 Farmers $1,946
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USAA normally has some of the most affordable car insurance rates in Oakland at around $1,109 annually. This is $542 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the lowest-priced Oakland, CA insurance companies.

As shown above, if you are insured with Century National and switched to USAA, you might see a yearly price reduction of about $117. Customers with CSAA may save as much as $125 a year, and Nationwide customers might reduce prices by as much as $154 a year.

To find cheaper insurance rates for your vehicle, click here or feel free to get quotes from the companies below.

Understand that those premiums are averages across all ages of drivers and types of vehicles and are not factoring in an exact location for a Jeep Wrangler. So the company that is most affordable for your situation may not even be in the top 24 companies shown above. That helps illustrate why you need to compare as many prices as possible using your own specific driver information and vehicle.

The example below demonstrates how deductible levels can influence annual premium costs when researching cheap insurance for a Jeep Wrangler. The information is based on a single female driver, full coverage, and no additional discounts are factored in.

As shown above, a 50-year-old driver could cut expenses by $380 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $578 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 category, could save as much as $948 or more just by using higher deductibles. If you do decide to increase your deductibles, it is essential to have plenty of money set aside to offset the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Why you should compare rates

Oakland auto insurance rates are impacted by many things that control the price you pay. Simply having another birthday, buying a home, or having an accident can trigger rate changes resulting in some companies being cheaper in comparison to the competition. Not only may your situation change, but car insurance companies change premium rates as needed to adjust for heavy claims or excess profits. Heavier than normal losses can cause higher priced premiums, while long-term profits may cause cheaper Wrangler insurance rates.

As an example, the bar chart below shows the companies that have the cheapest car insurance in Oakland, CA for a 35-year-old female driver with no violations or accidents, and a high credit rating. If we estimate prices based on her current rating profile, USAA has the best car insurance rates in Oakland at $1,531 a year. This is $120 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the cheapest Oakland, CA auto insurance companies.

In this example, we will give the driver in the first chart an accident claim, a lower credit rating, and a traffic ticket or two. Since each auto insurance company uses their own formula to determine rates, analyzing rates may now result in a different ranking of the cheapest Oakland car insurance companies as shown below.

Grange now has the best price in Oakland with Mercury, Progressive, Allstate, and GEICO now rounding out the top five. This example demonstrates why drivers need to compare rates to find the cheapest insurance rates for a Jeep Wrangler.

Car insurance prices are impacted by many different factors and change dramatically, so the best price when you bought your policy may now be an over-priced policy.