2006 Jeep Wrangler Insurance Rates
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UPDATED: Mar 3, 2020
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Average insurance rates for a 2006 Jeep Wrangler are $996 a year for full coverage. Comprehensive insurance costs an estimated $140, collision costs $142, and liability coverage costs $534. Buying a liability-only policy costs as little as $588 a year, with high-risk insurance costing $2,136 or more. Teen drivers receive the highest rates at $4,142 a year or more.
Annual premium for full coverage: $996
Rate estimates for 2006 Jeep Wrangler Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2006 Jeep Wrangler models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as low as $588 for basic liability insurance to the much higher price of $2,136 for a driver who has had serious violations or accidents.
These differences show why everyone should compare rates for a targeted area and risk profile, rather than using price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2006 Jeep Wrangler Insurance
Drivers have many options when trying to find the best price on Jeep Wrangler insurance. They can either waste time driving around trying to get quotes or utilize the internet to make rate comparisons.
There are more efficient ways to shop for car insurance and you need to know the absolute fastest way to get price quotes for a new or used Jeep and obtain the best price possible from both online companies and local agents.
You should make it a habit to do rate comparisons on a regular basis because rates tend to go up over time. Even if you think you had the best price for Wrangler insurance on your last policy a different company probably has better rates today. There is a lot of wrong information about car insurance online, so we’re going to give you some great ideas on how to slash your car insurance rates.
The purpose of this article is to tell you how to get online quotes and some money-saving tips. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these techniques. Vehicle owners only need an understanding of how to shop their coverage around on the web.
More discounts equal less premium
The price of auto insurance can be rather high, but you can get discounts to help offset the cost. Some trigger automatically at the time of purchase, but some must be inquired about before being credited. If you don’t get every credit available, you are throwing money away.
- Air Bag Discount – Cars that have air bags or automatic seat belts can get savings up to 30%.
- Payment Discounts – If you pay your bill all at once instead of paying each month you may reduce your total bill.
- Multi-policy Discount – If you insure your home and vehicles with one company you may earn approximately 10% to 15%.
- Senior Discount – Older drivers can possibly qualify for better insurance coverage rates for Wrangler insurance.
- Accident Forgiveness – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
- Multiple Cars – Buying insurance for all your vehicles with the same company could earn a price break for each car.
- Use Seat Belts – Requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
- Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
It’s important to understand that most discount credits are not given to all coverage premiums. A few only apply to specific coverage prices like comp or med pay. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. But all discounts will cut your premiums.
For a list of insurance companies who offer insurance coverage discounts, click here.
Compare the Market for Auto Insurance
There are several ways to compare Jeep Wrangler auto insurance prices but some are less time-consuming than others. You could spend your day talking about coverages with local insurance agents in your area, or you can utilize the internet to maximize your effort.
Many insurance companies take part in a program that allows shoppers to only type in their quote data once, and each participating company can provide price quotes. This saves time by eliminating repetitive form submissions to each individual auto insurance company. To participate in this free quote system, click to open in new window.
The one disadvantage to doing it this way is buyers cannot specifically choose which companies to receive prices from. If you wish to select individual companies to receive pricing from, we have assembled a list of low cost auto insurance companies in your area. Click here to view list.
Whichever method you choose, compare exactly the same quote information for each price quote. If you are comparing unequal deductibles or liability limits you can’t possibly decipher which rate is best.
It’s not one size fits all
When it comes to choosing adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.
For example, these questions may help highlight if your insurance needs would benefit from professional advice.
- How do I file an SR-22 for a DUI in my state?
- Can I afford low physical damage deductibles?
- How much can I save by bundling my policies?
- Does insurance cover damages from a DUI accident?
- Should I have a commercial auto policy?
- Can I get a multi-policy discount?
- Do I need motorclub coverage?
- Is borrowed equipment or tools covered if stolen or damaged?
- Should I waive the damage coverage when renting a car?
- Where can I find high-risk insurance?
If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and may give you better protection.
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Auto insurance policy coverages for a Jeep Wrangler
Understanding the coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.
Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like funeral costs, prosthetic devices, surgery and nursing services. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay
Comprehensive auto coverage – Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims like damage from flooding, hail damage, a tree branch falling on your vehicle and damage from getting keyed. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Collision coverage – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers claims like crashing into a ditch, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 2006 Jeep Wrangler.
Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.
Auto liability insurance – Liability insurance will cover damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability insurance covers things such as loss of income, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.
Knowledge is power
We’ve covered some good ideas how you can lower your 2006 Jeep Wrangler insurance rates. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. You may be surprised to find that the best price on auto insurance is with an unexpected company.
Insureds change insurance companies for many reasons like policy non-renewal, delays in paying claims, being labeled a high risk driver and poor customer service. Whatever your reason, switching auto insurance companies is not as difficult as it may seem.
When you buy insurance online, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed liability coverage limits and learned later that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.
More tips and info about auto insurance is located in these articles:
- What is Gap Insurance? (Insurance Information Insitute)
- Property Damage Coverage (Liberty Mutual)
- Winter Driving (Insurance Information Insitute)
- Vehicle Safety Ratings (iihs.org)
Rates by U.S. City
|New York City, NY||$1,572|
|Los Angeles, CA||$1,701|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$55|
|5-yr Claim Free||$61|
|Paid in Full/EFT||$32|
Discounts are estimated and may not be available from every company or in every state.