Jeep Wagoneer Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 28, 2024

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Estimated insurance prices for a Jeep Wagoneer are $1,628 every 12 months with full coverage. Comprehensive insurance costs approximately $420, collision insurance costs $834, and liability is $264. Liability-only insurance costs around $312 a year, and high-risk driver insurance costs $3,530 or more. Teens pay the most at up to $5,628 a year.

Average premium for full coverage: $1,628

Premium estimates by type of coverage:

Comprehensive $420
Collision $834
Liability $264

Full coverage includes $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all Wagoneer models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Jeep Wagoneer range from the cheapest price of $312 for just liability insurance to the much higher price of $3,530 for high-risk insurance.

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

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than cities with more traffic congestion. The example below illustrates how your location can change auto insurance prices.

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

These rate differences demonstrate why everyone should compare rates quotes using their specific location and their own driving history, instead of 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.

More Rate Details

The chart below details average Jeep Wagoneer insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $891
  • Raising to $1,000 deductibles will save $286 annually
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $1,628
  • Selecting pricier low deductibles costs an extra $554 every year
  • At-risk drivers with serious driving violations could pay around $3,530
  • An auto insurance policy to insure a teen driver for full coverage can cost $5,628

View Chart as Image

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

Insurance prices for a Jeep Wagoneer also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your Wagoneer.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $840 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $237 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $5,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,900 to $2,600 additional annually, depending on your age. Jeep Wagoneer insurance for high-risk drivers is expensive and can cost as much as 46% to 131% more than the average policy. View High Risk Driver Rates

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 $1,170 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,190 on average in New York, Michigan, and Florida.

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
Jeep Wagoneer Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Jeep Wagoneer $458 $874 $246 $1,688
2023 Jeep Wagoneer $438 $840 $258 $1,646
2022 Jeep Wagoneer $420 $834 $264 $1,628

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 Shop for More Affordable Jeep Wagoneer Insurance

Finding better rates on car insurance consists of avoiding accidents and claims, having above-average credit, being claim-free, and consideration of higher deductibles. Invest the time to shop around every couple of years by getting rate quotes from direct companies, and also from insurance agencies where you live.

The points below are a summary of the material that was illustrated above.

  • Policyholders who purchase increased liability limits will pay approximately $290 every year to raise from 30/60 bodily injury limits to a 250/500 level
  • Drivers under the age of 20 are the costliest to insure, possibly costing $469 per month if full coverage is included
  • Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,900 more per year to insure a Jeep Wagoneer
  • Increasing policy deductibles could save as much as $850 each year

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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