Who Has Affordable Omaha Auto Insurance Quotes for a Jeep Wrangler?

Buying cheap auto insurance for a Jeep Wrangler in Nebraska depends on a lot of different factors such as whether you own a home, your residence address, and driving citations. Drivers in Nebraska pay around $913 annually to insure their Wrangler, but that cost is an estimate based on a 50-year-old single female driver with both comprehensive and collision coverage and $250 deductibles.

This brings up the issue that more than likely you aren’t exactly 50 years old or even a female, you might be married instead of single, or maybe you prefer to not insure for full coverage. This shows why the only way to find affordable rates for your Jeep is to do a thorough rate comparison.

Compare Jeep Wrangler Insurance Rates

Your vehicle’s trim level tends to impact the coverage cost, so the price you will be charged to insure a Wrangler Sport 4WD 2-Dr model will be $234 less than the insurance cost for the more expensive Wrangler Unlimited Rubicon 4WD 4-Dr version, as shown in the table below.

Jeep Wrangler Insurance Rates in Omaha, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $174 $246 $338 $20 $102 $880 $73
Wrangler Unlimited Sport 2WD 4-Dr $174 $246 $424 $26 $126 $996 $83
Wrangler Sport Islander Package 4WD 2-Dr $174 $314 $338 $20 $102 $948 $79
Wrangler Unlimited Sport 4WD 4-Dr $200 $246 $424 $26 $126 $1,022 $85
Wrangler Sahara 4WD 2-Dr $200 $314 $338 $20 $102 $974 $81
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $200 $246 $424 $26 $126 $1,022 $85
Wrangler Unlimited Sahara 2WD 4-Dr $200 $246 $424 $26 $126 $1,022 $85
Wrangler Rubicon 4WD 2-Dr $200 $314 $338 $20 $102 $974 $81
Wrangler Unlimited Sahara 4WD 4-Dr $200 $314 $424 $26 $126 $1,090 $91
Wrangler Unlimited Rubicon 4WD 4-Dr $224 $314 $424 $26 $126 $1,114 $93
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in garaging location in Omaha which can change auto insurance rates considerably.

Finding reasonably-priced car insurance is confusing at best, and finding out which insurers offer the cheapest auto insurance rates for a Jeep Wrangler will involve even more diligence. Every insurance company has a proprietary formula for establishing rates, so let’s rank the most affordable auto insurance companies in Nebraska.

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Cheapest Nebraska auto insurance companies
Rank Company Cost Per Year
1 Safeco $780
2 The Hartford $847
3 Auto-Owners $923
4 Allied $939
5 Farmers Mutual of Nebraska $989
6 Farm Bureau Mutual $990
7 Nationwide $1,007
8 State Farm $1,043
9 American National $1,054
10 General Casualty $1,114
11 USAA $1,116
12 California Casualty $1,257
13 American Family $1,258
14 MetLife $1,319
15 GEICO $1,322
16 EMC $1,340
17 Iowa Mutual $1,347
18 Progressive $1,445
19 Farmers $1,650
20 North Star $1,693
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Safeco has some of the best car insurance rates in Omaha at around $780 each year. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska also are some of the most economical Omaha, NE auto insurance companies.

As illustrated above, if you currently have a policy with Auto-Owners and switched to Safeco, you might see yearly savings of in the vicinity of $143. Insureds with Allied might save as much as $159 a year, and Farmers Mutual of Nebraska policyholders might lower prices by up to $209 a year.

Understand that those prices are averages across all ages of drivers and types of vehicles and and are not figured with a vehicle location for a Jeep Wrangler. So the auto insurance company that has the lowest price for you may not even be in the top 24 companies shown above. That affirms the importance of why you need to compare rates from multiple companies using your own personal information and vehicle type.

The chart below shows how choosing a deductible can impact insurance prices when trying to find cheap insurance for a Jeep Wrangler. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.

The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $182 a year by switching from a $100 deductible to a $500 deductible, or save $278 by selecting a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could potentially save up to $454 every year by choosing a larger deductible amount. If you do make the decision to raise your deductibles, it is essential to have additional funds squirreled away to satisfy the extra out-of-pocket expense associated with higher deductibles.

You may be paying too much for Wrangler insurance

Nebraska auto insurance rates are calculated based on many things which can significantly increase or decrease your annual premium. Improving your credit rating, buying another vehicle, or getting a driving violation can trigger price changes that may make certain companies cheaper in comparison to the competition. Not only may things change on your end, but companies amend premium rates multiple times each year to reflect underwriting profits or losses. A period of higher than normal claims may cause high rates, while profitable underwriting can result in lower-cost Wrangler insurance rates.

As an example, the data below shows a variety of companies that have the cheapest car insurance in Omaha, NE for a 30-year-old female driver with no accidents, a clean driving record, and excellent credit. If we estimate prices based on her current rating profile, Safeco may offer the most affordable car insurance rates in Omaha at $904 each year. This is $412 less than the average policy premium paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual are the remaining cheapest Omaha, NE auto insurance companies.

In this next rate comparison, we will give the driver from above an at-fault accident, less-than-perfect credit, and a speeding citation. Since each auto insurance company has a unique approach to set premium rates, comparing rates may now result in a completely different list of affordable Omaha car insurance companies as shown below.

Nationwide now has the best price on car insurance in Omaha with State Farm, American National, General Casualty, and USAA also having competitive pricing. This shows why Omaha drivers need to do a thorough rate comparison when trying to get affordable insurance quotes for a Jeep Wrangler. Insurance rates are determined by many different factors and can increase or decrease at any time, so the most affordable company the last time you checked may now be wasting a lot of money.