How Much is New Orleans Auto Insurance for a Jeep Wrangler?

Buying economical insurance for a Jeep Wrangler is pretty simple for most people to do, but it hinges on a lot of things such as how you use your Wrangler, whether or not you have prior claims, and your driving record. Louisiana drivers will pay on average $1,243 annually to insure their Wrangler, but that is an approximation calculated based on a 30-year-old married female driver with full coverage and $500 deductibles.

There’s a good chance you may not be 30 years old (or even female), you might be single instead of married, or maybe you just want liability only instead of full coverage. Having even a minor difference in the rating criteria used to formulate rates could end up with a large change in the cost of insurance.

The different assumptions illustrate why the best way to find the cheapest rates for your Jeep is to do your own rate comparisons. It’s really quite easy you will be able to compare rates from top-rated car insurance companies in Louisiana.

Insure Your Jeep for Less

The trim level of your Wrangler has an effect on price, so the price to insure a Wrangler Sport 4WD 2-Dr will be $320 less expensive the price to insure the more costly Wrangler Unlimited Rubicon 4WD 4-Dr version, as shown in the table below.

Jeep Wrangler Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $246 $308 $474 $28 $142 $1,198 $100
Wrangler Unlimited Sport 2WD 4-Dr $246 $308 $592 $36 $178 $1,360 $113
Wrangler Sport Islander Package 4WD 2-Dr $246 $392 $474 $28 $142 $1,282 $107
Wrangler Unlimited Sport 4WD 4-Dr $284 $308 $592 $36 $178 $1,398 $117
Wrangler Sahara 4WD 2-Dr $284 $392 $474 $28 $142 $1,320 $110
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $284 $308 $592 $36 $178 $1,398 $117
Wrangler Unlimited Sahara 2WD 4-Dr $284 $308 $592 $36 $178 $1,398 $117
Wrangler Rubicon 4WD 2-Dr $284 $392 $474 $28 $142 $1,320 $110
Wrangler Unlimited Sahara 4WD 4-Dr $284 $392 $592 $36 $178 $1,482 $124
Wrangler Unlimited Rubicon 4WD 4-Dr $320 $392 $592 $36 $178 $1,518 $127
Get Your Own Custom Quote Go

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rates do not factor in zip code location which can influence coverage rates substantially.

Choosing the top car insurance company is hard considering how many different companies there are to choose from in New Orleans. The ranking data in the next section can help you decide which car insurance providers to look at purchasing a policy from. These ratings are only made up of the largest companies in America, so companies that only write business in Louisiana or surrounding areas are not taken into consideration for the list.

Top 10 Large Car Insurance Companies Overall in New Orleans

  1. USAA
  2. AAA Insurance
  3. Allstate
  4. State Farm
  5. The Hartford
  6. Safeco Insurance
  7. Progressive
  8. American Family
  9. Esurance
  10. The General

Reckless driving habits raise New Orleans insurance rates

The common sense way to find good insurance rates for a Wrangler is to pay attention while driving and not have accidents or get tickets. The diagram below illustrates how violations and at-fault fender-benders can affect insurance rates for different age groups. Data assumes a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

In the prior example, the average cost of auto insurance in Louisiana per year with a clean driving record and no accidents is $2,802. Add in two speeding tickets and the average cost increases to $3,739, an increase of $937 each year. Next add two accidents along with the two speeding tickets and the yearly cost of insurance for a Jeep Wrangler increases to an average of $7,551. That’s an increase of $4,748, or $396 per month, just for not being attentive to the road!

Why you should be shopping around

New Orleans insurance rates are impacted by many things which can substantially decrease or increase the cost of your policy. Improving your credit score, becoming a homeowner, or getting a ticket for careless driving can produce rate changes that can cause some rates to be cheaper in comparison to the competition. And not only may your rating factors change, but insurance companies change the rates they charge in Louisiana as often as every quarter in order to remain profitable. An extended period of higher than normal claims can result in increased rates, while a profitable period may result in more affordable Wrangler insurance rates.

To help illustrate this point, the graph below shows rates for the cheapest car insurance in New Orleans, LA for a 40-year-old male driver with no prior claims, no tickets, and a good credit history. Based on his current risk factors, USAA quotes the lowest car insurance rates in New Orleans at $2,782 a year. This is $368 more than the average premium paid by Louisiana drivers of $2,414. GEICO, MetLife, Progressive, and Safeway round out the rest of the best New Orleans, LA auto insurance companies.

Now we will give the driver from the above example a claim, a little lower credit rating, and a traffic ticket or two. Because each insurer has their own guidelines to determine rates, analyzing rate quotes most likely will result in a different list of the cheapest companies as shown below.

California Casualty now has the lowest car insurance rate in New Orleans with State Farm, USAA, Safe Auto, and GEICO also being competitive. This illustrates why consumers need to take the time to compare rates to find cheap car insurance rates for a Jeep Wrangler.

Rates can be determined by many factors and change substantially, so the cheapest option when you bought your policy may now not even be in the top five.

How to find cheaper insurance for a Jeep Wrangler

It is possible to find better rates, and here are some of the better penny-pinching ideas that can help New Orleans drivers find cheaper car insurance.

That final tip is highly critical, as was affirmed in the prior article. Insurance prices in New Orleans vary considerably, so don’t be hesitant to switch to a new company if a better rate can be found. Having a favorite company is great, but it’s not recommended if that devotion results in you overpaying a wad of cash every year. In just a couple of minutes you could shop around to find cheaper insurance for a Jeep Wrangler.

The New Orleans, LA, insurance agents below can probably answer your questions and help you decide which coverage fits your budget, since some drivers have questions and prefer to get some help when trying to find the best insurance rates for a Wrangler. It can be time-consuming to find the cheapest car insurance policy, so getting advice from a licensed Louisiana insurance agent can give you satisfaction knowing your policy gives you sufficient coverage at claim time.

To find a New Orleans insurance agent using an interactive map, click the button below the list or click here to get price quotes now.

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