Buying competitive auto insurance for a Jeep Wrangler in Colorado can be pretty simple, but it relies on a large number of factors such as driver age, your occupation, and blemishes on your driving record. Drivers in Colorado will pay around $1,030 each year to insure their Wrangler, but that amount is a valuation based on a 40-year-old married female driver with full comprehensive and collision coverage and $250 deductibles.

There's a good chance you're not a 40-year-old female, you might be single instead of married, or maybe your Wrangler doesn't need full coverage. Different coverage needs are the reason why the best method for finding the most affordable coverage for your Jeep is to compare as many rates as possible.

Cheapest Jeep Wrangler Insurance Rates

The trim level of your Jeep will influence the yearly cost, so the cost to insure a Wrangler Sport 4WD 2-Dr will be $268 cheaper than the cost to insure the high end Wrangler Unlimited Rubicon 4WD 4-Dr version, as demonstrated by the prices below.

Jeep Wrangler Insurance Rates in Colorado
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $204 $288 $368 $22 $110 $992 $83
Wrangler Unlimited Sport 2WD 4-Dr $204 $288 $462 $28 $138 $1,120 $93
Wrangler Sport Islander Package 4WD 2-Dr $204 $368 $368 $22 $110 $1,072 $89
Wrangler Unlimited Sport 4WD 4-Dr $234 $288 $462 $28 $138 $1,150 $96
Wrangler Sahara 4WD 2-Dr $234 $368 $368 $22 $110 $1,102 $92
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $234 $288 $462 $28 $138 $1,150 $96
Wrangler Unlimited Sahara 2WD 4-Dr $234 $288 $462 $28 $138 $1,150 $96
Wrangler Rubicon 4WD 2-Dr $234 $368 $368 $22 $110 $1,102 $92
Wrangler Unlimited Sahara 4WD 4-Dr $234 $368 $462 $28 $138 $1,230 $103
Wrangler Unlimited Rubicon 4WD 4-Dr $264 $368 $462 $28 $138 $1,260 $105
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Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in garaging location in Colorado which can raise or lower auto insurance rates greatly.

Ending up with the best car insurance provider can be difficult considering how many choices there are in Colorado. The company rank data in the lists below may help you select which auto insurance companies you want to consider when shopping your coverage around. The rankings below are only made up of companies who write in the majority of U.S. states, so companies that only write business in Colorado or surrounding areas will not be included in the list.

Top 10 Large Auto Insurance Providers in Colorado Ranked by Value

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

Top 10 Large Auto Insurance Providers in Colorado Ranked by Customer Service

  1. GEICO
  2. State Farm
  3. The Hartford
  4. The General
  5. Progressive
  6. Allstate
  7. AAA Insurance
  8. American Family
  9. Nationwide
  10. Travelers

Top Companies for Jeep Wrangler Insurance in Colorado

Driving violations and accidents

The ideal way to enjoy cheap insurance premiums in Colorado for a Wrangler is to be an attentive driver and not get tickets or have accidents. The example below demonstrates how traffic citations and fender-benders can raise car insurance rates for different age groups. The data is based on a married male driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

The data charted above shows the average cost of car insurance in Colorado per year with a clean driving record and no accidents is $1,983. Factor in two speeding tickets and the average cost rises to $2,727, an increase of $744 each year. Next add two accidents along with the two speeding tickets and the yearly cost of insurance for a Jeep Wrangler in Colorado goes up to an average of $5,661. That's an increase of $3,678, or $307 per month, just for being a little careless behind the wheel!

Are you paying too much for car insurance?

Colorado insurance rates are determined by lots of factors that can increase the price of coverage. Improving your credit score, becoming a homeowner, or having an at-fault accident can trigger price changes that can now make some companies cheaper than before.

Not only may your risk profile change, but companies amend premium rates at least once a year in order to maintain liquidity for claims. Larger than normal claims can result in rate hikes, while a profitable period may produce lower-priced Wrangler insurance rates.

The graph below shows which companies have the cheapest car insurance in Colorado for a 35-year-old female driver with no accidents or violations, and a decent credit rating. When comparing rates based on her current risk profile, The Hartford offers the lowest car insurance rates in Colorado at $850 a year. This is $728 less than the average policy premium paid by Colorado drivers of $1,578. Grange, USAA, GEICO, and Nationwide are also on the list of the best Colorado auto insurance companies.

In the next rate comparison, we'll give the driver from the first rate comparison a chargable claim, a lower credit score, and a blemish on her driving record. Because every insurance company has their own formula to establish rates, comparing insurance quotes may result in a completely different list of companies as shown below.

Travelers now has the best auto insurance rate in Colorado with State Farm, American Family, Progressive, and Amica completing the list. This example proves why consumers need to compare as many rates as possible to get the best insurance rates for a Jeep Wrangler.

Prices can be altered by many things and change frequently, so the cheapest rate the last time you compared rates may now be one of the more expensive options.