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 $1,604 annually for full coverage. Comprehensive insurance costs approximately $406 a year, collision costs $814, and liability is $274. A liability-only policy costs around $322 a year, with high-risk insurance costing $3,484 or more. Teen drivers pay the most at $5,580 a year or more.
Average premium for full coverage: $1,604
Premium estimates by type of coverage:
Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Wagoneer trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Jeep Wagoneer go from as cheap as $322 for your basic liability-only policy to a high of $3,484 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are statistically proven to have fewer accident claims than larger metro areas.
The diagram below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences show why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on 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 shows estimated Jeep Wagoneer insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $877
- Raising to $1,000 deductibles will save $1,326 a year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,604
- Choosing low $100 deductibles costs an additional $540 annually
- Drivers with multiple violations and an at-fault accident could pay around $3,484 or more
- An auto insurance policy with full coverage for a 16-year-old driver can cost $5,580
Auto insurance prices for a Jeep Wagoneer also have a wide range based on the model of your Wagoneer, your driver profile, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $5,500 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,900 to $2,500 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 45% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $820 annually, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $246 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Jeep Wagoneer insurance prices. A middle-age driver might find prices as low as $1,060 a year in states like Iowa, Maine, and Idaho, or as much as $2,290 on average in New York, Louisiana, 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 such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, and quoted prices will be substantially 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
Finding better rates on insurance for a Jeep Wagoneer consists of avoiding accidents and violations, having above-average credit, not filing small claims, and not having any coverage lapses. Set aside time to compare rates at least every other year by obtaining price quotes from direct carriers, and also from several local insurance agents.
The list below is a review of the car insurance concepts covered above.
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,880 more per year for car insurance
- Drivers can save around $210 per year simply by quoting early and online
- Increasing policy deductibles could save up to $825 each year
- Insureds who purchase higher liability limits will pay about $300 each year to raise from 30/60 bodily injury limits to higher 250/500 limits
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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