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...
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Jeep Wagoneer are $1,628 annually including full coverage. Comprehensive costs on average $420 each year, collision costs $834, and liability coverage costs around $264. Buying just liability costs as low as $312 a year, with insurance for high-risk drivers 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 by individual coverage type:
Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Wagoneer models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as cheap as $312 for your basic liability-only policy to a high rate of $3,530 for a driver that may need high-risk insurance.
Price Range by Location
Where you live has a large influence on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than larger metro areas.
The graphic below illustrates the difference between rural and urban areas on car insurance rates.
These examples highlight why all drivers should compare prices based on a specific location and their own personal driving habits, rather than 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 breaks down estimated Jeep Wagoneer insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $891
- Using higher $1,000 deductibles will save around $286 every year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,628
- Choosing low deductibles for physical damage coverage will cost $2,182
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,530 or more
- The cost with full coverage for a teenage driver may cost $5,628 or more
Auto insurance rates for a Jeep Wagoneer can also vary considerably based on the trim level of your Wagoneer, your driving characteristics, and policy deductibles and limits.
More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,500 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay upwards of $5,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,900 to $2,600 in extra premium per year, depending on your age. Insurance for high-risk drivers can be around 46% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $840 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $237 extra every year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Jeep Wagoneer insurance rates. A driver around age 40 might see rates as low as $1,250 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,320 on average in Michigan, New York, and Louisiana.
| 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 so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, and quoted rates can be significantly 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 Low Cost Jeep Wagoneer Insurance
Saving money on auto insurance requires having a decent driving record, having above-average credit, not filing small claims, and taking advantage of discounts. Set aside time to compare rates once a year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
The following items are a review of the data that was covered above.
- You may be able to save as much as $210 per year simply by quoting online in advance
- Consumers who require additional liability coverage will pay about $290 per year to increase from a minimum limit to higher 250/500 limits
- 16 to 18-year-old drivers are charged the highest rates, as much as $469 per month if full coverage is included
- Drivers who have several accidents or serious violations pay on average $1,900 more each year than a driver with a clean driving record
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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