Jeep Wagoneer Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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The average insurance prices for a Jeep Wagoneer are $1,604 every 12 months with full coverage. Comprehensive costs an estimated $406, collision insurance costs $814, and liability costs around $274. Liability-only insurance costs as low as $322 a year, and high-risk driver insurance costs around $3,484. Teenage drivers cost the most to insure at up to $5,580 a year.
Average premium for full coverage: $1,604
Policy rates broken down by type of insurance:
Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different Wagoneer trim levels.
Price Range Variability
For the normal driver, Jeep Wagoneer insurance rates range from the cheapest price of $322 for just the minimum liability insurance to a much higher rate of $3,484 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on car insurance rates. More rural locations are shown to have more infrequent collision claims than densely populated cities. The price range example below illustrates how geographic area affects insurance prices.
The examples above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, instead of using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below details average Jeep Wagoneer insurance rates for other coverage scenarios.
- The best discount rate is $877
- Using higher $1,000 deductibles will save approximately $278 annually
- The average price for a good driver age 40 who has $500 deductibles is $1,604
- Using more expensive low deductibles for physical damage coverage increases the price to $2,144
- Drivers who are prone to accidents and violations could pay up to $3,484
- Policy cost to insure a teen driver with full coverage can cost as much as $5,580 or more
Auto insurance rates for a Jeep Wagoneer also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.
Using high physical damage deductibles could cut rates by as much as $820 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $246 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $5,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,900 to $2,500 in extra premium every year, depending on your age. High-risk driver insurance can be as much as 45% to 132% more than a normal policy. View High Risk Driver Rates
Your home state has a huge impact on Jeep Wagoneer insurance prices. A driver around age 40 might see rates as low as $1,160 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,160 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,450 | -$154 | -9.6% |
| Alaska | $1,228 | -$376 | -23.4% |
| Arizona | $1,330 | -$274 | -17.1% |
| Arkansas | $1,604 | -$0 | 0.0% |
| California | $1,828 | $224 | 14.0% |
| Colorado | $1,528 | -$76 | -4.7% |
| Connecticut | $1,646 | $42 | 2.6% |
| Delaware | $1,812 | $208 | 13.0% |
| Florida | $2,002 | $398 | 24.8% |
| Georgia | $1,482 | -$122 | -7.6% |
| Hawaii | $1,152 | -$452 | -28.2% |
| Idaho | $1,086 | -$518 | -32.3% |
| Illinois | $1,194 | -$410 | -25.6% |
| Indiana | $1,210 | -$394 | -24.6% |
| Iowa | $1,084 | -$520 | -32.4% |
| Kansas | $1,520 | -$84 | -5.2% |
| Kentucky | $2,184 | $580 | 36.2% |
| Louisiana | $2,372 | $768 | 47.9% |
| Maine | $988 | -$616 | -38.4% |
| Maryland | $1,322 | -$282 | -17.6% |
| Massachusetts | $1,280 | -$324 | -20.2% |
| Michigan | $2,784 | $1,180 | 73.6% |
| Minnesota | $1,342 | -$262 | -16.3% |
| Mississippi | $1,920 | $316 | 19.7% |
| Missouri | $1,422 | -$182 | -11.3% |
| Montana | $1,724 | $120 | 7.5% |
| Nebraska | $1,262 | -$342 | -21.3% |
| Nevada | $1,924 | $320 | 20.0% |
| New Hampshire | $1,156 | -$448 | -27.9% |
| New Jersey | $1,788 | $184 | 11.5% |
| New Mexico | $1,418 | -$186 | -11.6% |
| New York | $1,688 | $84 | 5.2% |
| North Carolina | $922 | -$682 | -42.5% |
| North Dakota | $1,312 | -$292 | -18.2% |
| Ohio | $1,108 | -$496 | -30.9% |
| Oklahoma | $1,644 | $40 | 2.5% |
| Oregon | $1,472 | -$132 | -8.2% |
| Pennsylvania | $1,528 | -$76 | -4.7% |
| Rhode Island | $2,136 | $532 | 33.2% |
| South Carolina | $1,450 | -$154 | -9.6% |
| South Dakota | $1,352 | -$252 | -15.7% |
| Tennessee | $1,402 | -$202 | -12.6% |
| Texas | $1,930 | $326 | 20.3% |
| Utah | $1,188 | -$416 | -25.9% |
| Vermont | $1,094 | -$510 | -31.8% |
| Virginia | $960 | -$644 | -40.1% |
| Washington | $1,236 | -$368 | -22.9% |
| West Virginia | $1,472 | -$132 | -8.2% |
| Wisconsin | $1,108 | -$496 | -30.9% |
| Wyoming | $1,424 | -$180 | -11.2% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Wagoneer | $420 | $834 | $264 | $1,628 |
| 2023 Jeep Wagoneer | $406 | $814 | $274 | $1,604 |
| 2022 Jeep Wagoneer | $392 | $780 | $284 | $1,566 |
Rates are averaged for all Jeep Wagoneer models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Jeep Wagoneer Insurance
Finding cheaper rates on car insurance requires avoiding accidents and violations, having a good credit score, not filing small claims, and consideration of higher deductibles. Invest the time to compare rates once a year by requesting quotes from direct companies, and also from your local independent and exclusive agents.
The list below is a brief recap of the data that was presented in the illustrations above.
- You may be able to save approximately $210 per year just by shopping early and online
- Policyholders who want higher liability limits will pay an extra $300 every year to increase from a 30/60 limit to a 250/500 level
- Teenagers are the costliest to insure, as much as $465 each month if comprehensive and collision insurance is included
- Higher risk drivers who tend to receive serious violations may pay on average $1,880 more annually for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,580 |
| 20 | $3,706 |
| 30 | $1,704 |
| 40 | $1,604 |
| 50 | $1,460 |
| 60 | $1,434 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,144 |
| $250 | $1,890 |
| $500 | $1,604 |
| $1,000 | $1,326 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,604 |
| 50/100 | $1,659 |
| 100/300 | $1,727 |
| 250/500 | $1,905 |
| 100 CSL | $1,686 |
| 300 CSL | $1,837 |
| 500 CSL | $1,947 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,074 |
| 20 | $5,904 |
| 30 | $3,596 |
| 40 | $3,484 |
| 50 | $3,318 |
| 60 | $3,292 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $90 |
| Multi-vehicle | $83 |
| Homeowner | $20 |
| 5-yr Accident Free | $134 |
| 5-yr Claim Free | $107 |
| Paid in Full/EFT | $86 |
| Advance Quote | $87 |
| Online Quote | $120 |
| Total Discounts | $727 |
Discounts are estimated and may not be available from every company or in every state.
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