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.
The average insurance rates for a Jeep Wrangler are $1,250 a year for full coverage insurance. Comprehensive insurance costs approximately $268 each year, collision insurance costs $362, and liability insurance costs $440. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs $2,662 or more. Teen drivers cost the most to insure at up to $4,744 a year.
Average premium for full coverage: $1,250
Policy rates by type of insurance:
Estimates include $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Wrangler models.
Price Range Variability
For the average driver, Jeep Wrangler insurance rates range from as low as $510 for the bare minimum liability coverage to a high rate of $2,662 for high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates how location impacts auto insurance prices.
The examples above illustrate why all drivers should compare rates using their specific location and risk profile, rather than relying 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.
Additional Rate Information
The chart below illustrates average Jeep Wrangler insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $751
- Drivers who choose higher $1,000 deductibles will pay $144 each year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,250
- Choosing low deductibles for comprehensive and collision insurance will cost an extra $270 a year
- High risk drivers with multiple violations and an at-fault accident could pay around $2,662
- Policy cost for full coverage for a teen driver can cost $4,744 a year
Insurance rates for a Jeep Wrangler also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age
Your home state makes a big difference in Jeep Wrangler insurance rates. A 40-year-old driver could pay as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,690 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,128 | -$122 | -9.8% |
| Alaska | $958 | -$292 | -23.4% |
| Arizona | $1,038 | -$212 | -17.0% |
| Arkansas | $1,250 | -$0 | 0.0% |
| California | $1,422 | $172 | 13.8% |
| Colorado | $1,192 | -$58 | -4.6% |
| Connecticut | $1,282 | $32 | 2.6% |
| Delaware | $1,412 | $162 | 13.0% |
| Florida | $1,562 | $312 | 25.0% |
| Georgia | $1,154 | -$96 | -7.7% |
| Hawaii | $896 | -$354 | -28.3% |
| Idaho | $846 | -$404 | -32.3% |
| Illinois | $930 | -$320 | -25.6% |
| Indiana | $942 | -$308 | -24.6% |
| Iowa | $842 | -$408 | -32.6% |
| Kansas | $1,186 | -$64 | -5.1% |
| Kentucky | $1,700 | $450 | 36.0% |
| Louisiana | $1,848 | $598 | 47.8% |
| Maine | $770 | -$480 | -38.4% |
| Maryland | $1,030 | -$220 | -17.6% |
| Massachusetts | $996 | -$254 | -20.3% |
| Michigan | $2,168 | $918 | 73.4% |
| Minnesota | $1,044 | -$206 | -16.5% |
| Mississippi | $1,496 | $246 | 19.7% |
| Missouri | $1,108 | -$142 | -11.4% |
| Montana | $1,342 | $92 | 7.4% |
| Nebraska | $984 | -$266 | -21.3% |
| Nevada | $1,498 | $248 | 19.8% |
| New Hampshire | $900 | -$350 | -28.0% |
| New Jersey | $1,396 | $146 | 11.7% |
| New Mexico | $1,104 | -$146 | -11.7% |
| New York | $1,316 | $66 | 5.3% |
| North Carolina | $720 | -$530 | -42.4% |
| North Dakota | $1,022 | -$228 | -18.2% |
| Ohio | $862 | -$388 | -31.0% |
| Oklahoma | $1,280 | $30 | 2.4% |
| Oregon | $1,146 | -$104 | -8.3% |
| Pennsylvania | $1,190 | -$60 | -4.8% |
| Rhode Island | $1,666 | $416 | 33.3% |
| South Carolina | $1,132 | -$118 | -9.4% |
| South Dakota | $1,054 | -$196 | -15.7% |
| Tennessee | $1,092 | -$158 | -12.6% |
| Texas | $1,504 | $254 | 20.3% |
| Utah | $924 | -$326 | -26.1% |
| Vermont | $854 | -$396 | -31.7% |
| Virginia | $746 | -$504 | -40.3% |
| Washington | $962 | -$288 | -23.0% |
| West Virginia | $1,146 | -$104 | -8.3% |
| Wisconsin | $864 | -$386 | -30.9% |
| Wyoming | $1,112 | -$138 | -11.0% |
Choosing high deductibles could save up to $420 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $439 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,400 to $2,000 additional every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 125% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Wrangler Sport 4WD 2-Dr | $1,108 | $92 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,164 | $97 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $1,274 | $106 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,178 | $98 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,288 | $107 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,220 | $102 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $1,300 | $108 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $1,300 | $108 |
| Jeep Wrangler Unlimited Sahara 4WD 4-Dr | $1,344 | $112 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $1,386 | $116 |
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 | $280 | $376 | $420 | $1,256 |
| 2023 Jeep Wrangler | $268 | $362 | $440 | $1,250 |
| 2022 Jeep Wrangler | $256 | $358 | $450 | $1,244 |
| 2021 Jeep Wrangler | $248 | $350 | $470 | $1,248 |
| 2020 Jeep Wrangler | $240 | $336 | $486 | $1,242 |
| 2019 Jeep Wrangler | $226 | $324 | $500 | $1,230 |
| 2018 Jeep Wrangler | $218 | $300 | $510 | $1,208 |
| 2017 Jeep Wrangler | $208 | $282 | $514 | $1,184 |
| 2016 Jeep Wrangler | $200 | $254 | $520 | $1,154 |
| 2015 Jeep Wrangler | $188 | $234 | $520 | $1,122 |
| 2014 Jeep Wrangler | $180 | $218 | $524 | $1,102 |
| 2013 Jeep Wrangler | $176 | $204 | $534 | $1,094 |
| 2012 Jeep Wrangler | $164 | $190 | $534 | $1,068 |
| 2011 Jeep Wrangler | $158 | $172 | $540 | $1,050 |
| 2010 Jeep Wrangler | $148 | $158 | $534 | $1,020 |
| 2009 Jeep Wrangler | $140 | $142 | $534 | $996 |
| 2008 Jeep Wrangler | $134 | $128 | $530 | $972 |
| 2007 Jeep Wrangler | $132 | $126 | $520 | $958 |
| 2005 Jeep Wrangler | $120 | $114 | $504 | $918 |
| 2004 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 Find Low Cost Jeep Wrangler Insurance
Finding cheaper rates on Jeep Wrangler insurance not only requires being a safe and courteous driver, but also having a good credit history, being claim-free, and consideration of higher deductibles. Spend time shopping around every couple of years by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below is a review of the material that was touched on above.
- Drivers who purchase higher levels of liability will pay about $480 annually to go from a 30/60 limit to 250/500 limits
- Teenage drivers are the costliest to insure, possibly costing $395 each month including comprehensive and collision insurance
- High-risk drivers who have several accidents or serious violations may pay on average $1,410 more per year for auto insurance
- Increasing comprehensive and collision deductibles can save around $425 each year
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 | $4,744 |
| 20 | $2,830 |
| 30 | $1,288 |
| 40 | $1,250 |
| 50 | $1,142 |
| 60 | $1,118 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,520 |
| $250 | $1,396 |
| $500 | $1,250 |
| $1,000 | $1,106 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,250 |
| 50/100 | $1,484 |
| 100/300 | $1,606 |
| 250/500 | $1,923 |
| 100 CSL | $1,532 |
| 300 CSL | $1,801 |
| 500 CSL | $1,996 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,716 |
| 20 | $4,488 |
| 30 | $2,704 |
| 40 | $2,662 |
| 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 | $63 |
| Homeowner | $20 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $50 |
| Advance Quote | $56 |
| Online Quote | $86 |
| Total Discounts | $499 |
Discounts are estimated and may not be available from every company or in every state.
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