Best Jeep Wrangler Insurance in Honolulu

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Insurance rates Jeep Wrangler in HonoluluHow long has it been since you compared quotes for low-cost Jeep Wrangler insurance in Honolulu? Feel like you're a prisoner to high-priced Jeep Wrangler insurance in Honolulu? You're in good company because you are not the only one feeling buyer's remorse.

It goes without saying that auto insurance companies want to prevent you from shopping around. People who get comparison quotes at least once a year are likely to buy a new policy because there are good odds of finding coverage at a cheaper rate. A survey found that consumers who compared rates annually saved $3,500 over four years compared to those who never shopped for cheaper rates.

If finding the cheapest rates on Jeep Wrangler insurance is the reason you're here, then knowing how to shop for auto insurance can help make the process easier and more efficient. Because you have many choices of insurance companies that have affordable insurance for a Jeep Wrangler in Honolulu, it's nearly impossible to choose a more affordable company.

Buying the cheapest auto insurance in Honolulu is not that difficult as long as you know where to start. If you are already insured, you will be able to get lower rates using the concepts you're about to learn. Comparison shoppers just need to understand the proper methods to compare insurance rates online.

The method we recommend to compare insurance rates from multiple companies is to realize all the major auto insurance companies actually pay money for the chance to give rate comparisons. The one thing you need to do is provide information such as if a SR-22 is needed, whether you are married, your job, and how you use your vehicles. Your insurance information gets transmitted to many different companies and they respond with quotes almost instantly.

To start a quote now, click here and enter your zip code.

The following companies are our best choices to provide free rate quotes in Hawaii. If multiple companies are listed, we suggest you get rate quotes from several of them in order to find the cheapest rates.

Coverage statistics and figures

The premium table shown below outlines different coverage costs for Jeep Wrangler models. Learning as much as possible about how auto insurance policy rates are determined is important for making decisions when shopping around.

Jeep Wrangler Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $170 $260 $278 $16 $84 $808 $67
Wrangler Unlimited Sport 2WD 4-Dr $170 $260 $348 $20 $104 $902 $75
Wrangler Sport Islander Package 4WD 2-Dr $170 $332 $278 $16 $84 $880 $73
Wrangler Unlimited Sport 4WD 4-Dr $196 $260 $348 $20 $104 $928 $77
Wrangler Sahara 4WD 2-Dr $196 $332 $278 $16 $84 $906 $76
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $196 $260 $348 $20 $104 $928 $77
Wrangler Unlimited Sahara 2WD 4-Dr $196 $260 $348 $20 $104 $928 $77
Wrangler Rubicon 4WD 2-Dr $196 $332 $278 $16 $84 $906 $76
Wrangler Unlimited Sahara 4WD 4-Dr $196 $332 $348 $20 $104 $1,000 $83
Wrangler Unlimited Rubicon 4WD 4-Dr $222 $332 $348 $20 $104 $1,026 $86
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in specific Honolulu garaging location which can change insurance rates greatly.

How high should deductibles be?

One of the hardest decisions when shopping for insurance is which comprehensive and collision deductibles to buy. The data tables below can help show the rate difference when you buy lower versus higher deductibles. The first data table uses a $100 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Jeep Wrangler insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $198 $264 $264 $16 $80 $847 $71
Wrangler Unlimited Sport 2WD 4-Dr $198 $264 $330 $20 $100 $937 $78
Wrangler Sport Islander Package 4WD 2-Dr $198 $338 $264 $16 $80 $921 $77
Wrangler Unlimited Sport 4WD 4-Dr $228 $264 $330 $20 $100 $967 $81
Wrangler Sahara 4WD 2-Dr $228 $338 $264 $16 $80 $951 $79
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $228 $264 $330 $20 $100 $967 $81
Wrangler Unlimited Sahara 2WD 4-Dr $228 $264 $330 $20 $100 $967 $81
Wrangler Rubicon 4WD 2-Dr $228 $338 $264 $16 $80 $951 $79
Wrangler Unlimited Sahara 4WD 4-Dr $228 $338 $330 $20 $100 $1,041 $87
Wrangler Unlimited Rubicon 4WD 4-Dr $258 $338 $330 $20 $100 $1,071 $89
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Jeep Wrangler insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $110 $140 $264 $16 $80 $610 $51
Wrangler Unlimited Sport 2WD 4-Dr $110 $140 $330 $20 $100 $700 $58
Wrangler Sport Islander Package 4WD 2-Dr $110 $178 $264 $16 $80 $648 $54
Wrangler Unlimited Sport 4WD 4-Dr $126 $140 $330 $20 $100 $716 $60
Wrangler Sahara 4WD 2-Dr $126 $178 $264 $16 $80 $664 $55
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $126 $140 $330 $20 $100 $716 $60
Wrangler Unlimited Sahara 2WD 4-Dr $126 $140 $330 $20 $100 $716 $60
Wrangler Rubicon 4WD 2-Dr $126 $178 $264 $16 $80 $664 $55
Wrangler Unlimited Sahara 4WD 4-Dr $126 $178 $330 $20 $100 $754 $63
Wrangler Unlimited Rubicon 4WD 4-Dr $142 $178 $330 $20 $100 $770 $64
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in zip code location which can decrease or increase auto insurance rates significantly.

Based on the data above, we can derive that using a $100 deductible costs about $22 more each month or $264 each year than opting for the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 41 months between claims, you would probably save some money if you choose the higher deductible.

The diagram below demonstrates how deductibles and can affect Jeep Wrangler insurance costs for different age groups. The premiums assume a single male driver, full coverage, and no discounts are applied.

Safe drivers pay less for insurance

The diagram below illustrates how violations and accidents can influence Jeep Wrangler auto insurance rates for each age group. The data assumes a married male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

Rate difference between full and liability-only coverage

The illustration below visualizes the comparison of Jeep Wrangler annual premium costs when comparing full coverage to liability only. The prices are based on no accidents, no driving violations, $100 deductibles, marital status is single, and no discounts are taken into consideration.

When to eliminate full coverage

There is no definitive guideline of when to drop full coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then it's probably a good time to buy liability coverage only.

For example, let's say your Jeep Wrangler settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,000 after you pay the deductible. If it's costing in excess of $700 a year for your policy with full coverage, then it might be time to buy liability only.

There are some cases where only buying liability is not recommended. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should not buy liability only.

Get rate quotes but buy from a local Honolulu insurance agent

Many people just want to talk to a local agent and doing that can be a smart decision Professional insurance agents will help you protect your assets and help you file claims. One of the best bonuses of getting free rate quotes online is you can get better rates but still work with a licensed agent.

To help locate an agent, after submitting this short form, your coverage information is submitted to local insurance agents in Honolulu who will give competitive quotes for your insurance coverage. There is no need to visit any agencies since rate quotes are delivered straight to your inbox. If you wish to compare prices from a specific car insurance provider, you can always find their quoting web page and fill out the quote form the provide.

Finding the right company should depend on more than just the bottom line cost. Any agent in Honolulu should be willing to answer these questions.

  • Where are claims handled?
  • Do they specialize in personal lines auto insurance in Honolulu?
  • What insurance company do they write the most business with?
  • Can you contact them at any time?
  • How are they compensated?

If you are wanting to purchase car insurance from a local Honolulu insurance agency, you should know the types of agencies and how they operate. Agents can be classified as either exclusive or independent agents depending on their company appointments. Both types of agents can handle car insurance, but we need to point out the subtle differences since it may influence the kind of agent you use.

Exclusive Insurance Agencies

Exclusive insurance agents can only provide pricing for a single company and some examples include Farmers Insurance, State Farm, or Allstate. They are unable to place coverage with different providers so they have to upsell other benefits. Exclusive agencies are very knowledgeable on their products and sales techniques which can be an advantage.

Below are Honolulu exclusive insurance agents who may provide you with price quotes.


1682 Kalakaua Ave #1 - Honolulu, HI 96826 - (808) 638-3673 - View Map


2038 S King St - Honolulu, HI 96826 - (808) 952-5353 - View Map


1960 Kapiolani Blvd Ste 208 - Honolulu, HI 96826 - (808) 955-9090 - View Map

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Independent Car Insurance Agencies

Agents of this type can quote rates with many companies and that enables them to quote your coverage with a variety of different insurance companies and get you the best rates possible. If you are not satisfied with one company, your agent can just switch to a different company and you don't have to find a new agent. When comparing rate quotes, we recommend you include price quotes from several independent insurance agents to get the best comparison.

Listed below are Honolulu independent insurance agents that can give you price quote information.


1440 Kapiolani Blvd # 950 - Honolulu, HI 96814 - (808) 942-5353 - View Map


420 Waiakamilo Rd - Honolulu, HI 96817 - (808) 527-7667 - View Map


1100 Alakea St #2600 - Honolulu, HI 96813 - (808) 537-1970 - View Map

View more Honolulu agents