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 auto insurance rates for a Jeep Wagoneer are $1,628 annually for full coverage. Comprehensive insurance costs around $420 each year, collision costs $834, and liability coverage costs around $264. Liability-only insurance costs as low as $312 a year, with high-risk driver insurance costing $3,530 or more. Teens pay the most at $5,628 a year or more.
Average premium for full coverage: $1,628
Premium estimates for type of coverage:
Full coverage includes $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 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 cheap as $312 for minimum levels of liability insurance to a high rate of $3,530 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than cities with more traffic congestion.
The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
These rate differences show why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than using averaged prices.
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 Details
The chart below shows estimated Jeep Wagoneer insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $891
- Using higher $1,000 deductibles will save about $286 a year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,628
- Selecting low deductibles for physical damage coverage costs an additional $554 each year
- Higher-risk drivers with serious driving violations could pay at least $3,530 or more
- An auto insurance policy with full coverage for a teenage driver can be $5,628 or more
Insurance prices for a Jeep Wagoneer also have a wide range based on the model of your Wagoneer, your driver profile, and deductibles and policy limits.
More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $5,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at least $1,900 to $2,600 additional annually, depending on your age. Insurance for high-risk drivers can be around 46% to 131% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $840 a year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $237 more each year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Jeep Wagoneer insurance rates. A driver around age 40 might see prices as low as $1,070 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,320 on average in Michigan, Louisiana, and New York.
| 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% |
With such a large range in prices, the only way to know your exact price is to do a rate comparison and see how they stack up. Each insurance company calculates prices differently, and prices will be substantially different between companies.
| 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 Buy More Affordable Jeep Wagoneer Insurance
Finding better rates on auto insurance requires not taking risks behind the wheel, having good credit, not filing small claims, and taking advantage of discounts. Set aside time to compare rates every other policy renewal by requesting rates from direct carriers, and also from local independent and exclusive agents.
The following is a summary of the ideas that were covered above.
- Teens are charged the highest prices, as much as $469 per month if they have full coverage
- Drivers who have multiple accidents or major violations pay an average of $1,900 more every year for Wagoneer insurance
- Increasing policy deductibles could save up to $850 each year
- Drivers can save up to $210 per year simply by quoting online in advance
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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