Jeep Wrangler Insurance Rates

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UPDATED: May 29, 2023

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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.

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 is $450. Liability-only coverage costs around $518 a year, and high-risk coverage costs around $2,660. Teens receive the highest rates at up to $4,764 a year.

Average premium for full coverage: $1,244

Rate estimates for individual coverage type:

Comprehensive $256
Collision $358
Liability $450

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Wrangler models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from the cheapest price of $518 for just liability coverage to the much higher price of $2,660 for a driver that may need high-risk insurance.

Liability Only $518
Full Coverage $1,244
High Risk $2,660

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population tend to have more infrequent collision claims than cities with more traffic congestion. The example below illustrates how location helps determine auto insurance rates.

Rural Areas $933
Small Cities $1,306
Large Cities $1,679

These examples demonstrate why everyone should compare rates quotes for a specific zip code 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.

Detailed Rate Analysis

The chart below details average Jeep Wrangler insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $747
  • Raising to $1,000 deductibles will save about $138 annually
  • The average price for a 40-year-old driver using $500 deductibles is $1,244
  • Selecting pricier low deductibles increases the price to $1,512
  • Unlucky drivers with serious driving violations could pay at least $2,660
  • The cost to insure a teenage driver for full coverage can be $4,764

View Chart as Image

Jeep Wrangler insurance cost comparison chart
Column chart showing Jeep Wrangler insurance rates range from $747 to $4,764 for full coverage

Car insurance rates for a Jeep Wrangler can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $410 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $448 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged as much as $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,400 to $2,000 extra per year, depending on your age. Jeep Wrangler insurance for high-risk drivers is expensive and can cost around 42% to 125% more than the average policy. View High Risk Driver Rates

Where you live also has a big influence on Jeep Wrangler insurance rates. A middle-age driver might find rates 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.

Jeep Wrangler Insurance Rates by State
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%

View Chart as Image

Jeep Wrangler insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

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.

Jeep Wrangler Insurance Rates by Model Year
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 the Cheapest Jeep Wrangler Insurance

Saving money on auto insurance consists of avoiding accidents and violations, maintaining a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates once a year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a recap of the data that was covered in the charts and tables above.

  • You may be able to save up to $140 per year just by quoting online well ahead of the renewal date
  • Consumers who may need higher liability limits will pay approximately $500 every year to raise from a minimum limit to a 250/500 level
  • Teenagers are the costliest to insure, with premiums as much as $397 per month if the policy includes full coverage
  • Drivers that have major violations or accidents pay on average $1,420 more every year for car 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

Jeep Wrangler Crash Test Ratings

Vehicle Make and ModelOverall Crash Test RatingsFrontal Crash Test RatingsSide Crash Test RatingsRollover Crash Test Ratings
2020 Jeep Wrangler Unlimited SUV 4WDN/R4 starsN/R3 stars
2020 Jeep Wrangler Unlimited DIESEL SUV 4WDN/RN/RN/R3 stars
2020 Jeep Wrangler SUV 4WDN/R4 starsN/R3 stars
2019 Jeep Wrangler Unlimited 4 DR 4WDN/R4 starsN/R3 stars
2019 Jeep Wrangler 2 DR 4WDN/RN/RN/RN/R
2018 Jeep Wrangler Unlimited JK 4 DR 4WD Early releaseN/R3 starsN/R3 stars
2018 Jeep Wrangler Unlimited 4 DR 4WD Later ReleaseN/RN/RN/R3 stars
2018 Jeep Wrangler JK 2 DR 4WD Early releaseN/RN/RN/R3 stars
2018 Jeep Wrangler 2 DR 4WD Later ReleaseN/RN/RN/R3 stars
2017 Jeep Wrangler Unlimited 4 DR 4WDN/R3 starsN/R3 stars
2017 Jeep Wrangler 2 DR 4WDN/RN/RN/R3 stars
2016 Jeep Wrangler 4DR 4WDN/RN/RN/R3 stars
2016 Jeep Wrangler 2DR 4WDN/RN/RN/R3 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 CategoriesLoss Rates
Collision-46%
Property Damage34%
Comprehensive-29%
Personal Injury-43%
Medical Payment-48%
Bodily Injury2%

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:

  1. https://www.iihs.org/ratings/vehicle/Jeep/wrangler-4-door-suv/2020
  2. https://www.nhtsa.gov/vehicle/2020/JEEP/WRANGLER

Rates by Driver Age

Jeep Wrangler Insurance 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

Jeep Wrangler Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,512
$250 $1,390
$500 $1,244
$1,000 $1,106

Full coverage, driver age 40

Rates by Liability Limit

Jeep Wrangler Insurance Rates with Different Liability Limits
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

Jeep Wrangler Insurance 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.

SR-22 Surcharge $164

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
Rate after discounts $747

Discounts are estimated and may not be available from every company or in every state.

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