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 $1,628 annually for full coverage. Comprehensive costs an estimated $420 a year, collision insurance costs $834, and liability is estimated at $264. Liability-only insurance costs approximately $312 a year, and high-risk driver insurance costs around $3,530. 16-year-old drivers pay the most at up to $5,628 a year.
Average premium for full coverage: $1,628
Premium estimates broken down by type of coverage:
Prices include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Wagoneer trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Jeep Wagoneer range from as cheap as $312 for basic liability insurance to a high of $3,530 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Living in a larger city can make a big difference on insurance rates. More rural locations are statistically proven to have fewer accident claims than congested cities. The diagram below illustrates the difference location can make on insurance prices.
These rate differences show why it is important to get quotes for a targeted area and their own personal driving habits, instead of making a decision based 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.
Rate Comparisons
The chart below shows average Jeep Wagoneer insurance rates for other coverage scenarios.
- The best full coverage rate is $891
- Choosing higher $1,000 deductibles can save approximately $1,342 a year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,628
- Buying low $100 deductibles for comp and collision coverage will cost $2,182
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,530
- An auto insurance policy with full coverage for a 16-year-old driver can cost as much as $5,628 each year
Insurance prices for a Jeep Wagoneer also have a wide range based on the model of your Wagoneer, your driver profile, and liability limits and deductibles.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,500 annually 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 should be prepared to pay at least $5,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying $1,900 to $2,600 additional annually, depending on your age. A high-risk auto insurance policy ranges from 46% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $840 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $237 more each year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Jeep Wagoneer insurance prices. A good driver about age 40 could pay as low as $1,070 a year in states like Iowa, Maine, and Idaho, or at least $2,320 on average in New York, Louisiana, and Michigan.
| 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% |
| 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 the Right Jeep Wagoneer Insurance
Finding better rates on insurance for a Jeep Wagoneer takes avoiding accidents and violations, having good credit, not filing small claims, and possibly raising deductibles. Make time to compare rates at every policy renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.
The list below is a quick rundown of the data touched on in this article.
- Insureds who want higher liability limits will pay around $290 each year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
- Drivers can save approximately $210 per year just by quoting early and online
- Increasing policy deductibles could save up to $850 each year
- Teenagers are expensive to insure, as much as $469 per month if they have full coverage
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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