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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Average insurance rates for a Jeep Wagoneer are $1,628 a year for full coverage. Comprehensive costs an estimated $420 a year, collision costs $834, and liability costs around $264. Liability-only coverage costs as low as $312 a year, with high-risk coverage costing around $3,530. Teen drivers receive the highest rates at $5,628 a year or more.
Average premium for full coverage: $1,628
Rate estimates broken down by individual coverage type:
Rates are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Wagoneer trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the low end price of $312 for your basic liability-only policy to a high of $3,530 for a driver that may need high-risk insurance.
Price Range by Location
Where you live can make a big difference on insurance rates. More rural locations tend to have lower incidents of accident claims than larger metro areas.
The diagram below illustrates how your location can change insurance prices.
These examples show why it is important to compare prices for a targeted area, instead of making a decision based on price averages.
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.
More Rate Information
The chart below shows estimated Jeep Wagoneer insurance rates for other coverage scenarios.
- The lowest rate with discounts is $891
- Using higher $1,000 deductibles will save approximately $1,342 a year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,628
- Choosing low $100 deductibles for physical damage coverage bumps up the cost to $2,182
- High-risk insureds with multiple violations and an at-fault accident could pay up to $3,530 or more
- The cost that insures a 16-year-old driver can cost as much as $5,628 or more
Car insurance rates for a Jeep Wagoneer can also vary considerably based on the trim level of your Wagoneer, how you drive, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you could be paying $1,900 to $2,600 extra per year, depending on your age. A high-risk auto insurance policy can be from 46% to 131% more than average. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,500 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged at least $5,600 a year. View Rates by Age
Where you live has a huge impact on Jeep Wagoneer insurance prices. A driver around age 40 might see rates as low as $1,070 a year in states like Iowa, Maine, and Idaho, or as much as $2,320 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,472 | -$156 | -9.6% |
| Alaska | $1,248 | -$380 | -23.3% |
| Arizona | $1,350 | -$278 | -17.1% |
| Arkansas | $1,628 | -$0 | 0.0% |
| California | $1,852 | $224 | 13.8% |
| Colorado | $1,552 | -$76 | -4.7% |
| Connecticut | $1,668 | $40 | 2.5% |
| Delaware | $1,840 | $212 | 13.0% |
| Florida | $2,030 | $402 | 24.7% |
| Georgia | $1,502 | -$126 | -7.7% |
| Hawaii | $1,168 | -$460 | -28.3% |
| Idaho | $1,100 | -$528 | -32.4% |
| Illinois | $1,212 | -$416 | -25.6% |
| Indiana | $1,224 | -$404 | -24.8% |
| Iowa | $1,100 | -$528 | -32.4% |
| Kansas | $1,544 | -$84 | -5.2% |
| Kentucky | $2,216 | $588 | 36.1% |
| Louisiana | $2,408 | $780 | 47.9% |
| Maine | $1,000 | -$628 | -38.6% |
| Maryland | $1,342 | -$286 | -17.6% |
| Massachusetts | $1,298 | -$330 | -20.3% |
| Michigan | $2,822 | $1,194 | 73.3% |
| Minnesota | $1,362 | -$266 | -16.3% |
| Mississippi | $1,948 | $320 | 19.7% |
| Missouri | $1,442 | -$186 | -11.4% |
| Montana | $1,746 | $118 | 7.2% |
| Nebraska | $1,280 | -$348 | -21.4% |
| Nevada | $1,950 | $322 | 19.8% |
| New Hampshire | $1,172 | -$456 | -28.0% |
| New Jersey | $1,816 | $188 | 11.5% |
| New Mexico | $1,440 | -$188 | -11.5% |
| New York | $1,712 | $84 | 5.2% |
| North Carolina | $936 | -$692 | -42.5% |
| North Dakota | $1,332 | -$296 | -18.2% |
| Ohio | $1,124 | -$504 | -31.0% |
| Oklahoma | $1,668 | $40 | 2.5% |
| Oregon | $1,492 | -$136 | -8.4% |
| Pennsylvania | $1,550 | -$78 | -4.8% |
| Rhode Island | $2,168 | $540 | 33.2% |
| South Carolina | $1,474 | -$154 | -9.5% |
| South Dakota | $1,372 | -$256 | -15.7% |
| Tennessee | $1,424 | -$204 | -12.5% |
| Texas | $1,958 | $330 | 20.3% |
| Utah | $1,202 | -$426 | -26.2% |
| Vermont | $1,110 | -$518 | -31.8% |
| Virginia | $976 | -$652 | -40.0% |
| Washington | $1,256 | -$372 | -22.9% |
| West Virginia | $1,492 | -$136 | -8.4% |
| Wisconsin | $1,124 | -$504 | -31.0% |
| Wyoming | $1,446 | -$182 | -11.2% |
Choosing high deductibles could cut rates by as much as $840 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $237 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know which company is cheapest is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so rate quotes can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Wagoneer | $438 | $840 | $258 | $1,646 |
| 2023 Jeep Wagoneer | $420 | $834 | $264 | $1,628 |
| 2022 Jeep Wagoneer | $406 | $814 | $274 | $1,604 |
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 Find the Best Cheap Jeep Wagoneer Insurance
Saving money on insurance for a Jeep Wagoneer requires being safe and accident-free, having a positive credit history, eliminating unneeded coverage, and not having any coverage lapses. Shop around once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a quick review of the data that was illustrated above.
- Drivers can save approximately $210 per year simply by quoting early and online
- Insureds who want more liability protection will pay about $290 each year to increase from a minimum limit to the 250/500 level
- Youthful drivers have the highest car insurance rates, costing as high as $469 per month if full coverage is purchased
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,900 more annually than a low-risk driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,628 |
| 20 | $3,754 |
| 30 | $1,730 |
| 40 | $1,628 |
| 50 | $1,480 |
| 60 | $1,454 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,182 |
| $250 | $1,924 |
| $500 | $1,628 |
| $1,000 | $1,342 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,628 |
| 50/100 | $1,681 |
| 100/300 | $1,747 |
| 250/500 | $1,918 |
| 100 CSL | $1,707 |
| 300 CSL | $1,852 |
| 500 CSL | $1,958 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,146 |
| 20 | $5,980 |
| 30 | $3,646 |
| 40 | $3,530 |
| 50 | $3,364 |
| 60 | $3,336 |
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 | $91 |
| Multi-vehicle | $84 |
| Homeowner | $20 |
| 5-yr Accident Free | $137 |
| 5-yr Claim Free | $109 |
| Paid in Full/EFT | $87 |
| Advance Quote | $88 |
| Online Quote | $121 |
| Total Discounts | $737 |
Discounts are estimated and may not be available from every company or in every state.
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