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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Estimated insurance rates for a Jeep Wagoneer are $1,604 a year with full coverage. Comprehensive costs approximately $406 each year, collision costs $814, and liability is estimated at $274. A policy with only liability insurance costs approximately $322 a year, with a high-risk policy costing around $3,484. Teen drivers pay the most at $5,580 a year or more.
Average premium for full coverage: $1,604
Premium estimates by type of coverage:
These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and Wagoneer models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Jeep Wagoneer go from as low as $322 for the bare minimum liability coverage to a high rate of $3,484 for coverage for higher-risk drivers.
Insurance Price Range by Location
Living in a larger city can make a big difference on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than larger metro areas.
The graphic below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences demonstrate why all drivers should get quotes using their specific location and risk profile, 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.
Additional Rate Information
The chart below details estimated Jeep Wagoneer insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $877
- Choosing higher $1,000 deductibles can save $278 annually
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,604
- Choosing low deductibles for comp and collision coverage will increase the cost to $2,144
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,484 or more
- An auto insurance policy for full coverage for a 16-year-old driver can cost $5,580 each year
Car insurance prices for a Jeep Wagoneer also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high deductibles may pay as low as $1,500 annually on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged in the ballpark of $5,500 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Jeep Wagoneer insurance prices. A good driver about age 40 could pay as low as $1,160 a year in states like Utah, Ohio, and New Hampshire, or 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% |
Choosing high deductibles can save as much as $820 annually, whereas increasing liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $246 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,900 to $2,500 extra annually, depending on your age. Insurance for high-risk drivers ranges from 45% to 132% more than average. View High Risk Driver Rates
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes will be substantially different from one company to the next.
| 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 Find Cheap Jeep Wagoneer Insurance
Finding better rates on insurance for a Jeep Wagoneer takes having a decent driving record, having above-average credit, being claim-free, and avoiding coverage lapses. Set aside time to compare rates at least once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a brief summary of the primary concepts that were covered above.
- You may be able to save around $210 per year simply by quoting online in advance
- Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,880 more per year than a driver with a clean driving record
- Increasing policy deductibles can save around $825 each year
- 16 to 18-year-old drivers pay the highest auto insurance prices, possibly costing $465 per month if full coverage is included
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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