Jeep Wagoneer Insurance Rates

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Cheaper 2022 Jeep Wagoneer Insurance Quotes in 2025

Locating lower-cost auto insurance can be somewhat intimidating for people that are relatively new to shopping for insurance online. With so many companies competing online, how are people able to effectively compare each option to find better prices? Choosing the best insurance company for you is not rocket science. If you are paying for car insurance now, you will most likely be able to lower y...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Mar 28, 2024

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The average insurance rates for a Jeep Wagoneer are $1,628 a year with full coverage. Comprehensive costs on average $420, collision costs $834, and liability insurance costs $264. Buying just liability costs as little as $312 a year, with insurance for high-risk drivers costing around $3,530. 16-year-old drivers cost the most to insure at $5,628 a year or more.

Average premium for full coverage: $1,628

Policy rates by type of insurance:

Comprehensive $420
Collision $834
Liability $264

Includes $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for different Wagoneer trim levels.

Price Range Variability

For the average driver, Jeep Wagoneer insurance rates go from the low end price of $312 for your basic liability-only policy to a much higher rate of $3,530 for a driver that may need high-risk insurance.

Liability Only $312
Full Coverage $1,628
High Risk $3,530

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than congested cities.

The price range example below illustrates how location impacts car insurance rates.

Rural Areas $1,221
Small Cities $1,709
Large Cities $2,198

The examples above demonstrate why anyone shopping for car insurance should compare rates based on a specific location, rather than relying on rate 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 details estimated Jeep Wagoneer insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $891
  • Drivers who choose higher $1,000 deductibles will pay around $286 annually
  • The estimated price for a good driver age 40 with $500 deductibles is $1,628
  • Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $2,182
  • High risk drivers with multiple tickets or accidents could pay upwards of $3,530 or more
  • Policy cost that insures a teen driver with full coverage may cost $5,628 a year

View Chart as Image

Jeep Wagoneer insurance cost comparison chart
Column chart showing full coverage Jeep Wagoneer insurance rates range from $891 to $5,628

Insurance rates for a Jeep Wagoneer also range considerably based on the model year and trim level, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,900 to $2,600 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 46% to 131% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $5,600 a year. View Rates by Age

Your home state makes a big difference in Jeep Wagoneer insurance rates. A 40-year-old driver could pay as low as $1,170 a year in states like New Hampshire, Ohio, and Utah, or at least $2,190 on average in Florida, Michigan, and New York.

Jeep Wagoneer Insurance Rates by State
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%

View Chart as Image

Jeep Wagoneer insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $840 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $237 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates from as many companies as possible. Every company utilizes a different rate formula, so the rates will be varied.

Jeep Wagoneer Insurance Rates by Model Year
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 Cheapest Jeep Wagoneer Insurance

Finding cheaper rates on Jeep Wagoneer insurance not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and bundling your home and auto policies. Comparison shop once a year by quoting rates from direct companies, and also from several local insurance agents.

The points below are a recap of the data that was touched on above.

  • You may be able to save as much as $210 per year simply by shopping early and online
  • Drivers who require increased liability limits will pay around $290 every year to go from a 30/60 limit to the 250/500 level
  • Drivers under the age of 20 pay the highest rates, as much as $469 each month if full coverage is included
  • High-risk drivers that have major violations or accidents pay on average $1,900 more each year to insure a Jeep Wagoneer

Rates by Driver Age

Jeep Wagoneer Insurance 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

Jeep Wagoneer Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,182
$250 $1,924
$500 $1,628
$1,000 $1,342

Full coverage, driver age 40

Rates by Liability Limit

Jeep Wagoneer Insurance Rates with Different Liability Limits
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

Jeep Wagoneer Insurance 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.

SR-22 Surcharge $235

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
Rate after discounts $891

Discounts are estimated and may not be available from every company or in every state.

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