Jeep Wagoneer Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Jeep Wagoneer are $1,604 annually for full coverage insurance. Comprehensive insurance costs an estimated $406 each year, collision costs $814, and liability costs around $274. Liability-only coverage costs as low as $322 a year, with high-risk coverage costing $3,484 or more. Teen drivers receive the highest rates at $5,580 a year or more.
Average premium for full coverage: $1,604
Rate estimates broken down by individual coverage type:
Estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and Wagoneer models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $322 for your basic liability-only policy to a high rate of $3,484 for coverage for higher-risk drivers.
Price Range by Location
Where you live can have significant affects on the price of insurance. More rural locations tend to have fewer physical damage claims than larger metro areas.
The graphic below illustrates the difference location can make on insurance prices.
These examples illustrate why all drivers should compare prices for a targeted area and their own personal driving habits, instead of using 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 illustrates estimated Jeep Wagoneer insurance rates for other coverage scenarios.
- The lowest rate with discounts is $877
- Using higher $1,000 deductibles will save approximately $278 each year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,604
- Choosing low deductibles for physical damage coverage costs an additional $540 every year
- Drivers with multiple violations and an at-fault accident could pay up to $3,484 or more
- The cost with full coverage for a teen driver can cost as much as $5,580 or more
Car insurance rates for a Jeep Wagoneer can also vary considerably based on the trim level of your Wagoneer, your risk profile, and liability limits and deductibles.
More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,500 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $5,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying $1,900 to $2,500 extra per year, depending on your age. Insurance for high-risk drivers can be as much as 45% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $820 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $246 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Jeep Wagoneer insurance prices. A driver around age 40 might see rates as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,160 on average in Florida, New York, and Michigan.
| 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% |
With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison and see which company has the best rate. Each insurance company uses a different rate calculation, so rate quotes can be significantly different between companies.
| 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 Buy Low Cost Jeep Wagoneer Insurance
Saving money on car insurance requires being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Make time to compare rates at least once a year by requesting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The items below are a review of the primary concepts that were touched on in this article.
- It is possible to save approximately $210 per year simply by quoting online in advance
- Higher risk drivers who have several accidents or serious violations may pay on average $1,880 more annually to insure their Wagoneer
- Increasing deductibles could save up to $825 each year
- Teen drivers have the highest car insurance rates, costing up to $465 per month if comprehensive and collision insurance 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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