Jeep Wrangler Insurance Rates
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UPDATED: Aug 23, 2022
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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.
Estimated insurance prices for a Jeep Wrangler are $1,248 every 12 months with full coverage. Comprehensive costs on average $248, collision costs $350, and liability coverage costs around $470. Liability-only coverage costs as low as $536 a year, with high-risk coverage costing around $2,672. Teens pay the most at $4,808 a year or more.
Average premium for full coverage: $1,248
Premium estimates by type of coverage:
Rates are based on $500 deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and for different Wrangler trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Jeep Wrangler go from the cheapest price of $536 for just liability insurance to a much higher rate of $2,672 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than cities with more traffic congestion.
The price range example below illustrates how location impacts car insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than 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 estimated Jeep Wrangler insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $749
- Using higher $1,000 deductibles will save around $138 annually
- The average price for a 40-year-old good driver with $500 deductibles is $1,248
- Selecting more expensive low deductibles for physical damage coverage increases the price to $1,508
- Higher-risk drivers with serious driving violations could pay upwards of $2,672 or more
- An auto insurance policy to insure a teenage driver with full coverage may cost $4,808 or more
Insurance prices for a Jeep Wrangler also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your Wrangler.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $400 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay upwards of $4,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,000 extra annually, depending on your age. High-risk driver insurance can be around 42% to 134% more than the average policy. View High Risk Driver Rates
Where you choose to live 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 have to pay at least $1,680 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,126 | -$122 | -9.8% |
| Alaska | $956 | -$292 | -23.4% |
| Arizona | $1,036 | -$212 | -17.0% |
| Arkansas | $1,248 | -$0 | 0.0% |
| California | $1,420 | $172 | 13.8% |
| Colorado | $1,190 | -$58 | -4.6% |
| Connecticut | $1,282 | $34 | 2.7% |
| Delaware | $1,412 | $164 | 13.1% |
| Florida | $1,560 | $312 | 25.0% |
| Georgia | $1,150 | -$98 | -7.9% |
| Hawaii | $896 | -$352 | -28.2% |
| Idaho | $844 | -$404 | -32.4% |
| Illinois | $926 | -$322 | -25.8% |
| Indiana | $940 | -$308 | -24.7% |
| Iowa | $842 | -$406 | -32.5% |
| Kansas | $1,184 | -$64 | -5.1% |
| Kentucky | $1,700 | $452 | 36.2% |
| Louisiana | $1,848 | $600 | 48.1% |
| Maine | $770 | -$478 | -38.3% |
| Maryland | $1,028 | -$220 | -17.6% |
| Massachusetts | $996 | -$252 | -20.2% |
| Michigan | $2,164 | $916 | 73.4% |
| Minnesota | $1,044 | -$204 | -16.3% |
| Mississippi | $1,494 | $246 | 19.7% |
| Missouri | $1,106 | -$142 | -11.4% |
| Montana | $1,340 | $92 | 7.4% |
| Nebraska | $984 | -$264 | -21.2% |
| Nevada | $1,498 | $250 | 20.0% |
| New Hampshire | $898 | -$350 | -28.0% |
| New Jersey | $1,394 | $146 | 11.7% |
| New Mexico | $1,104 | -$144 | -11.5% |
| New York | $1,314 | $66 | 5.3% |
| North Carolina | $718 | -$530 | -42.5% |
| North Dakota | $1,020 | -$228 | -18.3% |
| Ohio | $862 | -$386 | -30.9% |
| Oklahoma | $1,278 | $30 | 2.4% |
| Oregon | $1,142 | -$106 | -8.5% |
| Pennsylvania | $1,188 | -$60 | -4.8% |
| Rhode Island | $1,664 | $416 | 33.3% |
| South Carolina | $1,130 | -$118 | -9.5% |
| South Dakota | $1,054 | -$194 | -15.5% |
| Tennessee | $1,090 | -$158 | -12.7% |
| Texas | $1,502 | $254 | 20.4% |
| Utah | $922 | -$326 | -26.1% |
| Vermont | $854 | -$394 | -31.6% |
| Virginia | $746 | -$502 | -40.2% |
| Washington | $962 | -$286 | -22.9% |
| West Virginia | $1,144 | -$104 | -8.3% |
| Wisconsin | $864 | -$384 | -30.8% |
| Wyoming | $1,110 | -$138 | -11.1% |
With such a large range in prices, the best way to find out exactly what you will pay is to compare prices and see how they stack up. Each insurance company calculates prices differently, so the prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Wrangler Sport 4WD 2-Dr | $1,106 | $92 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,160 | $97 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $1,276 | $106 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,172 | $98 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,288 | $107 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,212 | $101 |
| 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 | $1,342 | $112 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $1,382 | $115 |
Rates assume 2020 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 |
|---|---|---|---|---|
| 2020 Jeep Wrangler | $248 | $350 | $470 | $1,248 |
| 2018 Jeep Wrangler | $226 | $324 | $500 | $1,230 |
| 2017 Jeep Wrangler | $218 | $300 | $510 | $1,208 |
| 2016 Jeep Wrangler | $208 | $282 | $514 | $1,184 |
| 2015 Jeep Wrangler | $200 | $254 | $520 | $1,154 |
| 2013 Jeep Wrangler | $180 | $218 | $524 | $1,102 |
| 2012 Jeep Wrangler | $176 | $204 | $534 | $1,094 |
| 2011 Jeep Wrangler | $164 | $190 | $534 | $1,068 |
| 2010 Jeep Wrangler | $158 | $172 | $540 | $1,050 |
| 2009 Jeep Wrangler | $148 | $158 | $534 | $1,020 |
| 2008 Jeep Wrangler | $140 | $142 | $534 | $996 |
| 2007 Jeep Wrangler | $134 | $128 | $530 | $972 |
| 2005 Jeep Wrangler | $130 | $120 | $510 | $940 |
| 2004 Jeep Wrangler | $120 | $114 | $504 | $918 |
| 2003 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 the Best Cheap Jeep Wrangler Insurance
Finding better rates on auto insurance requires not taking risks behind the wheel, having good credit, being claim-free, and bundling your home and auto policies. Spend time shopping around once a year by quoting rates from direct companies, and also from local exclusive and independent agents.
The following is a quick review of the data that was touched on above.
- You may be able to save as much as $140 per year simply by shopping early and online
- Consumers who require higher liability limits will pay approximately $520 every year to increase from 30/60 bodily injury limits to a 250/500 level
- Teens pay the highest prices, possibly costing $401 per month if they have full coverage
- Drivers with a DUI or reckless driving violation may pay on average $1,420 more each year for Wrangler insurance
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.
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.
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 | $4,808 |
| 20 | $2,842 |
| 30 | $1,282 |
| 40 | $1,248 |
| 50 | $1,142 |
| 60 | $1,120 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,508 |
| $250 | $1,388 |
| $500 | $1,248 |
| $1,000 | $1,110 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,248 |
| 50/100 | $1,486 |
| 100/300 | $1,616 |
| 250/500 | $1,954 |
| 100 CSL | $1,538 |
| 300 CSL | $1,824 |
| 500 CSL | $2,032 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,804 |
| 20 | $4,514 |
| 30 | $2,708 |
| 40 | $2,672 |
| 50 | $2,550 |
| 60 | $2,524 |
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 | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $50 |
| Advance Quote | $56 |
| Online Quote | $85 |
| Total Discounts | $499 |
Discounts are estimated and may not be available from every company or in every state.
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