Finding the best cheap auto insurance for a Jeep Wrangler in Alaska is pretty easy for most people, but it relies on a very complex rating algorithm that uses multiple factors such as age of the driver, your claims history, and driving violations. Drivers pay on average $798 annually to insure their Wrangler, but that is a valuation calculated based on a 40-year-old married female driver with full comprehensive and collision coverage and $250 deductibles.
The issue that arises when projecting rates is that it’s very likely that you aren’t exactly 40 years old or even a female, single instead of married, or maybe you prefer higher deductibles. Having just a slight change in policy rating criteria or coverages can result in a massive change in the policy cost.
This demonstrates why the best method for finding cheap insurance prices for your Jeep is to do a thorough rate comparison. Quotes are free and easy and you will be able to compare rates from some of the most affordable companies around.
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The specific model of Wrangler has an effect on the yearly cost, so the rate you pay to insure a Wrangler Sport 4WD 2-Dr model will be $206 less than the cost to insure the higher-priced Wrangler Unlimited Rubicon 4WD 4-Dr model, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $158 | $224 | $286 | $16 | $86 | $770 | $64 |
| Wrangler Unlimited Sport 2WD 4-Dr | $158 | $224 | $358 | $22 | $106 | $868 | $72 |
| Wrangler Sport Islander Package 4WD 2-Dr | $158 | $286 | $286 | $16 | $86 | $832 | $69 |
| Wrangler Unlimited Sport 4WD 4-Dr | $180 | $224 | $358 | $22 | $106 | $890 | $74 |
| Wrangler Sahara 4WD 2-Dr | $180 | $286 | $286 | $16 | $86 | $854 | $71 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $180 | $224 | $358 | $22 | $106 | $890 | $74 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $180 | $224 | $358 | $22 | $106 | $890 | $74 |
| Wrangler Rubicon 4WD 2-Dr | $180 | $286 | $286 | $16 | $86 | $854 | $71 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $180 | $286 | $358 | $22 | $106 | $952 | $79 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $204 | $286 | $358 | $22 | $106 | $976 | $81 |
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Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Alaska minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium costs do not factor in your specific Anchorage location which can revise prices considerably.
Selecting the highest-rated car insurance company is difficult considering how many companies sell insurance in Alaska. The company information in the lists below could help you choose which auto insurance companies you want to consider purchasing from. These ratings include companies who write in the majority of U.S. states, so companies with more of a regional focus are not factored into this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Rate increases following a ticket or accident
In a perfect world, the best way to snag affordable car insurance prices in Alaska for a Wrangler is to drive carefully and avoid accidents and keep your driving record clean. The chart below illustrates how speeding tickets and fender-benders impact auto insurance rates for different age groups of insureds. The prices are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.
The data above shows the average cost of an auto insurance policy in Alaska per year with no accidents or violations is $1,294. Add in one speeding ticket and the average cost hikes up to $1,505, an increase of $212 each year. Now include two accidents along with the one speeding ticket and the yearly cost of car insurance for a Jeep Wrangler increases to an average of $3,346. That’s an increase of $2,052, or $171 per month, just for a couple of infractions!
Here’s why you should compare rates often
Anchorage, AK car insurance rates are impacted by many factors that control the cost of a policy. Simply having another birthday, buying a different home, or getting a ticket for running a stop sign can trigger rate changes that may make certain companies much cheaper than others. Also, insurance companies file new rates multiple times each year as an adjustment for underwriting gains or losses. Heavy losses can cause higher prices, while a better loss history may result in lower-priced Wrangler insurance rates.
As an example, the chart below shows which companies have the cheapest car insurance in Anchorage, AK for a 40-year-old male driver with a good driving record, no prior claims, and good financial standing. If we estimate prices based on his current risk factors, Umialik might offer the most affordable car insurance rates in Anchorage at $1,136 per year. This is $407 less than the average price paid by Alaska drivers of $1,543. USAA, State Farm, Progressive, and GEICO also make the list of the cheapest Anchorage, AK auto insurance companies.
Let’s now give the driver from above an accident claim, a lower credit score, and a traffic citation. Since each company has a proprietary formula to determine rates, analyzing rate quotes may now show a completely different list of affordable companies as shown below.
State Farm now has the lowest price in Anchorage, AK with USAA, Umialik, Progressive, and Safeco now rounding out the top five. This example proves why it is critical to compare as many rates as possible to find cheap auto insurance quotes for a Jeep Wrangler. Auto insurance prices are determined by many factors and can increase or decrease at any time, so the best company a year ago may now be wasting a lot of money.
Tips to find low-cost insurance for a Jeep Wrangler
Below you’ll find a few penny-pinching ideas that can help Alaska drivers get cheaper car insurance.
- Avoid speeding and other traffic citations and pay less
- Avoid preventable accidents
- Bundle home or renters insurance to earn a discount on car insurance
- Buy a safer vehicle
- Frequent claims will increase rates
- Shop around once a year for cheaper rates
The last item on the list is particularly significant, as we noted in the prior article. Prices charged by companies change constantly, so you should be ready to change insurance companies if you can find a cheaper rate.
Having a favorite company is great, but it isn’t a good idea if that loyalty ends up costing several hundred dollars every year. Spend a few minutes and compare prices to find cheaper car insurance for a Jeep Wrangler in Anchorage.