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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The average auto insurance rates for a Jeep Wagoneer are $1,604 annually with full coverage. Comprehensive costs on average $406, collision costs $814, and liability coverage costs around $274. Liability-only insurance costs as low as $322 a year, with high-risk driver insurance costing around $3,484. Teenage drivers cost the most to insure at $5,580 a year or more.
Average premium for full coverage: $1,604
Policy rates by type of insurance:
Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different Wagoneer trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Jeep Wagoneer insurance rates go from as cheap as $322 for just the minimum liability insurance to a much higher rate of $3,484 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live has a large influence on auto insurance rates. Rural areas are shown to have fewer collision claims than densely populated cities.
The price range example below illustrates how rural and urban location affects car insurance rates.
The examples above demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than using average rates.
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 Analysis
The chart below details estimated Jeep Wagoneer insurance rates for different risk profiles and scenarios.
- The best discount rate is $877
- Using higher $1,000 deductibles will save around $278 annually
- The estimated rate for a good driver age 40 with $500 deductibles is $1,604
- Using more expensive low deductibles for physical damage coverage will cost $2,144
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,484 or more
- Policy cost with full coverage for a teenage driver with full coverage may cost $5,580 or more
Auto insurance rates for a Jeep Wagoneer also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.
An older driver with a good driving record and high physical damage deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay upwards of $5,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,900 to $2,500 in extra premium every year, depending on your age. High-risk driver insurance can be around 45% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $820 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $246 extra every year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Jeep Wagoneer insurance rates. A driver around age 40 might see rates as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,160 on average in Florida, Michigan, and New York.
| 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% |
Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates will be varied 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 More Affordable Jeep Wagoneer Insurance
Finding cheaper rates on auto insurance requires being a good driver, having above-average credit, not filing small claims, and taking advantage of discounts. Set aside time to shop around at every other renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following list is a summary of the concepts that were raised in the charts and tables above.
- Drivers who have multiple accidents or major violations pay an average of $1,880 more each year than a safer driver
- Drivers age 16 to 20 are charged the highest rates, as much as $465 each month if full coverage is included
- You may be able to save as much as $210 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $825 each year
- You may be able to save as much as $210 per year simply by shopping early and online
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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