Jeep Wrangler Insurance Rates
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UPDATED: May 10, 2024
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How much is insurance on a Jeep Wrangler? While this answer will depend on the vehicle year, such as whether you are looking for 2017, 2007, or 2005 Jeep Wrangler insurance costs, the average Jeep Wrangler insurance rates are $104 per month or $1,256 annually.
Is insurance on a Jeep Wrangler expensive compared to other SUVs on the market? Fortunately, this reliable vehicle proves to cost less to insure than other similar vehicles. If you are looking for cheap car insurance, we can help. Read through our complete guide to see how your Jeep insurance rates are impacted by your driver demographics, the Jeep Wrangler safety and crash test ratings, as well as insurance loss probability details.
Ready to learn what you can do to save on your Jeep Wrangler car insurance rates? To start finding affordable Jeep car insurance prices right now, simply enter your ZIP code into our free quote tool above.
U.S. average insurance prices for a Jeep Wrangler are $1,244 every 12 months with full coverage. Comprehensive costs around $256, collision insurance costs $358, and liability coverage costs around $450. Liability-only coverage costs as low as $518 a year, and high-risk coverage costs around $2,660. 16-year-old drivers pay the highest rates at up to $4,764 a year.
Average premium for full coverage: $1,244
Price estimates for individual coverage:
Prices are based on $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Wrangler trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Jeep Wrangler insurance prices range from the cheapest price of $518 for just liability coverage to a much higher rate of $2,660 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live has a large influence on insurance rates. Areas with sparse population have more infrequent collision claims than congested cities. The price range example below illustrates how rural and urban location affects auto insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, rather than using 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.
Detailed Rate Analysis
The chart below details average Jeep Wrangler insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $747
- Using higher $1,000 deductibles will save about $138 annually
- The average price for the average middle-age driver using $500 deductibles is $1,244
- Buying more expensive low deductibles for physical damage coverage increases the price to $1,512
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,660
- The price to insure a teenage driver with full coverage can be $4,764 or more
Auto insurance prices for a Jeep Wrangler are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.
Opting for high physical damage deductibles could cut prices by as much as $410 a year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $448 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay as much as $4,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,400 to $2,000 in extra premium each year, depending on your age. High-risk driver insurance can be around 42% to 125% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Jeep Wrangler insurance rates. A driver around age 40 might see prices as low as $900 a year in states like New Hampshire, Ohio, and Utah, or at least $1,680 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,126 | -$118 | -9.5% |
| Alaska | $954 | -$290 | -23.3% |
| Arizona | $1,034 | -$210 | -16.9% |
| Arkansas | $1,244 | -$0 | 0.0% |
| California | $1,418 | $174 | 14.0% |
| Colorado | $1,188 | -$56 | -4.5% |
| Connecticut | $1,278 | $34 | 2.7% |
| Delaware | $1,410 | $166 | 13.3% |
| Florida | $1,556 | $312 | 25.1% |
| Georgia | $1,150 | -$94 | -7.6% |
| Hawaii | $894 | -$350 | -28.1% |
| Idaho | $844 | -$400 | -32.2% |
| Illinois | $928 | -$316 | -25.4% |
| Indiana | $940 | -$304 | -24.4% |
| Iowa | $840 | -$404 | -32.5% |
| Kansas | $1,182 | -$62 | -5.0% |
| Kentucky | $1,696 | $452 | 36.3% |
| Louisiana | $1,842 | $598 | 48.1% |
| Maine | $770 | -$474 | -38.1% |
| Maryland | $1,028 | -$216 | -17.4% |
| Massachusetts | $994 | -$250 | -20.1% |
| Michigan | $2,160 | $916 | 73.6% |
| Minnesota | $1,042 | -$202 | -16.2% |
| Mississippi | $1,494 | $250 | 20.1% |
| Missouri | $1,104 | -$140 | -11.3% |
| Montana | $1,338 | $94 | 7.6% |
| Nebraska | $980 | -$264 | -21.2% |
| Nevada | $1,494 | $250 | 20.1% |
| New Hampshire | $896 | -$348 | -28.0% |
| New Jersey | $1,392 | $148 | 11.9% |
| New Mexico | $1,102 | -$142 | -11.4% |
| New York | $1,312 | $68 | 5.5% |
| North Carolina | $718 | -$526 | -42.3% |
| North Dakota | $1,020 | -$224 | -18.0% |
| Ohio | $860 | -$384 | -30.9% |
| Oklahoma | $1,278 | $34 | 2.7% |
| Oregon | $1,140 | -$104 | -8.4% |
| Pennsylvania | $1,186 | -$58 | -4.7% |
| Rhode Island | $1,660 | $416 | 33.4% |
| South Carolina | $1,128 | -$116 | -9.3% |
| South Dakota | $1,050 | -$194 | -15.6% |
| Tennessee | $1,088 | -$156 | -12.5% |
| Texas | $1,500 | $256 | 20.6% |
| Utah | $922 | -$322 | -25.9% |
| Vermont | $852 | -$392 | -31.5% |
| Virginia | $744 | -$500 | -40.2% |
| Washington | $960 | -$284 | -22.8% |
| West Virginia | $1,142 | -$102 | -8.2% |
| Wisconsin | $862 | -$382 | -30.7% |
| Wyoming | $1,110 | -$134 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Wrangler Sport 4WD 2-Dr | $1,104 | $92 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,158 | $97 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $1,270 | $106 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,170 | $98 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,282 | $107 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,214 | $101 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $1,296 | $108 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $1,296 | $108 |
| Jeep Wrangler Unlimited Sahara 4WD 4-Dr | $1,338 | $112 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $1,380 | $115 |
Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Wrangler | $268 | $362 | $440 | $1,250 |
| 2023 Jeep Wrangler | $256 | $358 | $450 | $1,244 |
| 2022 Jeep Wrangler | $248 | $350 | $470 | $1,248 |
| 2021 Jeep Wrangler | $240 | $336 | $486 | $1,242 |
| 2020 Jeep Wrangler | $226 | $324 | $500 | $1,230 |
| 2019 Jeep Wrangler | $218 | $300 | $510 | $1,208 |
| 2018 Jeep Wrangler | $208 | $282 | $514 | $1,184 |
| 2017 Jeep Wrangler | $200 | $254 | $520 | $1,154 |
| 2016 Jeep Wrangler | $188 | $234 | $520 | $1,122 |
| 2015 Jeep Wrangler | $180 | $218 | $524 | $1,102 |
| 2014 Jeep Wrangler | $176 | $204 | $534 | $1,094 |
| 2013 Jeep Wrangler | $164 | $190 | $534 | $1,068 |
| 2012 Jeep Wrangler | $158 | $172 | $540 | $1,050 |
| 2011 Jeep Wrangler | $148 | $158 | $534 | $1,020 |
| 2010 Jeep Wrangler | $140 | $142 | $534 | $996 |
| 2009 Jeep Wrangler | $134 | $128 | $530 | $972 |
| 2008 Jeep Wrangler | $132 | $126 | $520 | $958 |
| 2007 Jeep Wrangler | $130 | $120 | $510 | $940 |
| 2005 Jeep Wrangler | $116 | $108 | $500 | $904 |
Rates are averaged for all Jeep Wrangler 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 Affordable Jeep Wrangler Insurance
Getting lower rates on auto insurance requires avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around at every policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a brief review of the data raised in the charts and tables above.
- Consumers who may need increased liability limits will pay around $500 every year to increase from a low limit to a 250/500 level
- You may be able to save up to $140 per year just by shopping early and online
- Increasing physical damage deductibles could save as much as $400 each year
- Drivers under the age of 20 are expensive to insure, costing up to $397 a month if comprehensive and collision insurance is included
How much does Jeep Wrangler insurance cost?
How much is car insurance for a 2020 Jeep Wrangler? That will likely cost your around $1,256 per year. However, many factors impact your rates, such as driver age and experience. So, how much is insurance on a Jeep Wrangler for a 16-year-old? That annual total is more like $6,694 per year.
How much does Jeep Wrangler insurance cost for an 18-year-old? Most 18-year-olds will pays $5,622 per year for car insurance. However, the good news is that as long as you maintain a clean driving record, teenager Jeep Wrangler insurance decreases by about 8 percent per year until the driver is 20 years old.
You might be wondering, do Jeep Wranglers have a lot of problems? According to the National Highway Traffic Safety Administration (NHTSA), steering wheel problems and airbag problems were the most common issues found in the Wrangler. The Jeep Wrangler also had a major recall at one point specifically for airbags.
The best Jeep Wrangler car insurance company will provide you with competitive rates without compromising your coverage. Is State Farm insurance for a Jeep Wrangler available? Yes, State Farm offers Jeep Wrangler car insurance. The company covers all personal vehicle types.
Is it expensive to insure a Jeep Wrangler? Not usually, the Jeep Wrangler proves to be a reliable and low-cost SUV to insure. If you have a poor driving record, your rates might be higher than average. Fortunately, shopping around for insurance quotes for a Jeep Wrangler will help you save money in the long run.
So if you want to find 2018 or 2016 Jeep Wrangler insurance costs or even insurance for a 2013 Jeep Wrangler, start by getting quotes by entering your five-digit ZIP code into our free tool below.
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What are the Jeep Wrangler safety ratings?
How much does average insurance cost for a Jeep Wrangler? Your jeep insurance costs will depend partially on the safety features and ratings of your vehicle. Luckily, the Jeep Wrangler has some great safety features including airbags, brake assist, rollover protection system, traction control, and more.
The Insurance Institute for Highway Safety (IIHS) gave the 2020 Jeep Wrangler the following safety ratings:
- Small overlap front (driver-side): Marginal
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
Good is the highest rating given by the IHS, so most of the safety ratings for the Jeep Wrangler are excellent. While a marginal small overlap front test result is not ideal, you should not actually see any substantial increases in your insurance rates.
What are the Jeep Wrangler crash test ratings?
The Jeep Wrangler crash test ratings will also affect your car insurance rates. Take a look at the table below to see how different model years of the Jeep Wrangler have performed during crash tests performed by the National Highway Traffic Safety Administration.
Jeep Wrangler Crash Test Ratings
Vehicle Make and Model Overall Crash Test Ratings Frontal Crash Test Ratings Side Crash Test Ratings Rollover Crash Test Ratings
2020 Jeep Wrangler Unlimited SUV 4WD N/R 4 stars N/R 3 stars
2020 Jeep Wrangler Unlimited DIESEL SUV 4WD N/R N/R N/R 3 stars
2020 Jeep Wrangler SUV 4WD N/R 4 stars N/R 3 stars
2019 Jeep Wrangler Unlimited 4 DR 4WD N/R 4 stars N/R 3 stars
2019 Jeep Wrangler 2 DR 4WD N/R N/R N/R N/R
2018 Jeep Wrangler Unlimited JK 4 DR 4WD Early release N/R 3 stars N/R 3 stars
2018 Jeep Wrangler Unlimited 4 DR 4WD Later Release N/R N/R N/R 3 stars
2018 Jeep Wrangler JK 2 DR 4WD Early release N/R N/R N/R 3 stars
2018 Jeep Wrangler 2 DR 4WD Later Release N/R N/R N/R 3 stars
2017 Jeep Wrangler Unlimited 4 DR 4WD N/R 3 stars N/R 3 stars
2017 Jeep Wrangler 2 DR 4WD N/R N/R N/R 3 stars
2016 Jeep Wrangler 4DR 4WD N/R N/R N/R 3 stars
2016 Jeep Wrangler 2DR 4WD N/R N/R N/R 3 stars
Overall, the Jeep Wrangler’s crash test ratings could use improvement. However, the scores still fall within the average range for an SUV.
As you can see, depending on your Jeep’s model year and trim level, your vehicle could have better or worse crash test results. For example, the Jeep Wrangler Unlimited insurance cost will be a little higher as it only scored 3 stars in the rollover test.
Our professional advice is to always check the crash test and safety details for your specific Jeep Wrangler model to ensure the most accuracy.
What are the Jeep Wrangler insurance loss probability ratios?
Understanding the Jeep Wrangler insurance loss probability ratios will help you estimate your potential car insurance costs. A lower insurance loss probability means you will have lower Jeep Wrangler insurance rates, while a higher loss probability means you will have higher insurance rates.
See the details of the 2020 Jeep Wrangler insurance loss probability ratios in the table below.
Jeep Wrangler Insurance Loss Rates
Insurance Coverage Categories Loss Rates
Collision -46%
Property Damage 34%
Comprehensive -29%
Personal Injury -43%
Medical Payment -48%
Bodily Injury 2%
Wondering how much is the average liability insurance for a Jeep Wrangler? Liability insurance will be pricy if the Jeep Wrangler, a mid-size SUV, has poor liability losses. Unfortunately, the IIHS rated the property damage liability losses for the four-door Jeep Wrangler as substantially worse than average.
While the property damage loss ratio for the Jeep Wrangler is substantially worse than average, this SUV fares well in every other category. Overall, these numbers help keep your car insurance rates low and will help balance out the pricier liability rates.
Read on to see how the Jeep Wrangler’s rates compare to other vehicles.
Should you compare the Jeep Wrangler against other vehicles in the same car class?
Comparing the Jeep Wrangler to other similar vehicles in the same car class can help you determine if this type of car really is the right match for you and your needs.
Officially, the Jeep Wrangler is considered to be a midsize SUV.
To see how Jeep Wrangler insurance rates compare to other midsize SUVs, take a look at the SUVs below.
You are now an expert on securing affordable Jeep Wrangler car insurance. Whether you are looking for Jeep Rubicon insurance rates or car insurance for a Jeep Wrangler Unlimited, remember that getting multiple quotes is one of the best ways to save.
Are you ready to buy Jeep Wrangler car insurance? Simply enter your ZIP code in our free online quote tool to find cheap Jeep Wrangler car insurance quotes from multiple insurance companies near you.
References:
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,764 |
| 20 | $2,832 |
| 30 | $1,284 |
| 40 | $1,244 |
| 50 | $1,140 |
| 60 | $1,116 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,512 |
| $250 | $1,390 |
| $500 | $1,244 |
| $1,000 | $1,106 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,244 |
| 50/100 | $1,480 |
| 100/300 | $1,604 |
| 250/500 | $1,928 |
| 100 CSL | $1,529 |
| 300 CSL | $1,803 |
| 500 CSL | $2,003 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,742 |
| 20 | $4,492 |
| 30 | $2,702 |
| 40 | $2,660 |
| 50 | $2,538 |
| 60 | $2,512 |
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 | $64 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $50 |
| Advance Quote | $56 |
| Online Quote | $85 |
| Total Discounts | $497 |
Discounts are estimated and may not be available from every company or in every state.
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