Jeep Wagoneer Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated auto insurance rates for a Jeep Wagoneer are $1,646 annually including full coverage. Comprehensive insurance costs around $438, collision costs $840, and liability insurance costs around $258. Liability-only coverage costs as low as $306 a year, with high-risk coverage costing $3,560 or more. Teens pay the most at $5,652 a year or more.
Average premium for full coverage: $1,646
Premium estimates for type of coverage:
Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for all Wagoneer models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Jeep Wagoneer go from as cheap as $306 for the bare minimum liability coverage to the much higher price of $3,560 for a high-risk insurance policy.
Insurance Price Range by Location
Where you live has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how your location can change auto insurance rates.
These rate differences highlight why everyone should compare prices for a specific zip code and their own personal driving habits, rather than relying on 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.
Additional Rate Information
The chart below breaks down estimated Jeep Wagoneer insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $901
- Using higher $1,000 deductibles will save about $290 every year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,646
- Selecting pricier low deductibles for physical damage coverage costs an additional $564 a year
- Drivers with serious driving violations could pay at least $3,560 or more
- An auto insurance policy with full coverage for a teen driver for full coverage can be $5,652 or more
Insurance prices for a Jeep Wagoneer also have a wide range based on the model of your Wagoneer, your driving characteristics, and deductibles and policy limits.
A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $5,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at least $1,900 to $2,600 extra annually, depending on your age. Jeep Wagoneer insurance for high-risk drivers can be anywhere from 46% to 129% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $860 each year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $232 more per year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Jeep Wagoneer insurance rates. A driver around age 40 might see prices as low as $1,260 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,340 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,488 | -$158 | -9.6% |
| Alaska | $1,262 | -$384 | -23.3% |
| Arizona | $1,366 | -$280 | -17.0% |
| Arkansas | $1,646 | -$0 | 0.0% |
| California | $1,874 | $228 | 13.9% |
| Colorado | $1,570 | -$76 | -4.6% |
| Connecticut | $1,690 | $44 | 2.7% |
| Delaware | $1,860 | $214 | 13.0% |
| Florida | $2,054 | $408 | 24.8% |
| Georgia | $1,520 | -$126 | -7.7% |
| Hawaii | $1,182 | -$464 | -28.2% |
| Idaho | $1,114 | -$532 | -32.3% |
| Illinois | $1,226 | -$420 | -25.5% |
| Indiana | $1,240 | -$406 | -24.7% |
| Iowa | $1,112 | -$534 | -32.4% |
| Kansas | $1,562 | -$84 | -5.1% |
| Kentucky | $2,240 | $594 | 36.1% |
| Louisiana | $2,434 | $788 | 47.9% |
| Maine | $1,012 | -$634 | -38.5% |
| Maryland | $1,356 | -$290 | -17.6% |
| Massachusetts | $1,314 | -$332 | -20.2% |
| Michigan | $2,856 | $1,210 | 73.5% |
| Minnesota | $1,378 | -$268 | -16.3% |
| Mississippi | $1,970 | $324 | 19.7% |
| Missouri | $1,458 | -$188 | -11.4% |
| Montana | $1,768 | $122 | 7.4% |
| Nebraska | $1,294 | -$352 | -21.4% |
| Nevada | $1,972 | $326 | 19.8% |
| New Hampshire | $1,188 | -$458 | -27.8% |
| New Jersey | $1,838 | $192 | 11.7% |
| New Mexico | $1,456 | -$190 | -11.5% |
| New York | $1,730 | $84 | 5.1% |
| North Carolina | $946 | -$700 | -42.5% |
| North Dakota | $1,346 | -$300 | -18.2% |
| Ohio | $1,136 | -$510 | -31.0% |
| Oklahoma | $1,686 | $40 | 2.4% |
| Oregon | $1,508 | -$138 | -8.4% |
| Pennsylvania | $1,568 | -$78 | -4.7% |
| Rhode Island | $2,194 | $548 | 33.3% |
| South Carolina | $1,492 | -$154 | -9.4% |
| South Dakota | $1,388 | -$258 | -15.7% |
| Tennessee | $1,440 | -$206 | -12.5% |
| Texas | $1,980 | $334 | 20.3% |
| Utah | $1,218 | -$428 | -26.0% |
| Vermont | $1,122 | -$524 | -31.8% |
| Virginia | $986 | -$660 | -40.1% |
| Washington | $1,268 | -$378 | -23.0% |
| West Virginia | $1,508 | -$138 | -8.4% |
| Wisconsin | $1,138 | -$508 | -30.9% |
| Wyoming | $1,464 | -$182 | -11.1% |
With such a large range in prices, the best way to figure out your exact price is to regularly compare prices from as many companies as possible. Each insurance company calculates prices differently, so the prices will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Wagoneer | $458 | $874 | $246 | $1,688 |
| 2023 Jeep Wagoneer | $438 | $840 | $258 | $1,646 |
| 2022 Jeep Wagoneer | $420 | $834 | $264 | $1,628 |
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 Affordable Jeep Wagoneer Insurance
Finding better rates on Jeep Wagoneer insurance requires having a decent driving record, having a good credit history, refrain from filing small claims, and insuring your home and auto with the same company. Invest the time to shop around at least every other year by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.
The following items are a brief review of the car insurance concepts illustrated above.
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,910 more every year than a driver with a clean driving record
- You may be able to save up to $210 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $850 each year
- Drivers who may need additional liability coverage will pay approximately $280 per year to increase from 30/60 bodily injury limits to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,652 |
| 20 | $3,784 |
| 30 | $1,752 |
| 40 | $1,646 |
| 50 | $1,494 |
| 60 | $1,468 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,210 |
| $250 | $1,948 |
| $500 | $1,646 |
| $1,000 | $1,356 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,646 |
| 50/100 | $1,698 |
| 100/300 | $1,762 |
| 250/500 | $1,930 |
| 100 CSL | $1,723 |
| 300 CSL | $1,865 |
| 500 CSL | $1,969 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,182 |
| 20 | $6,022 |
| 30 | $3,680 |
| 40 | $3,560 |
| 50 | $3,392 |
| 60 | $3,362 |
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 | $92 |
| Multi-vehicle | $84 |
| Homeowner | $21 |
| 5-yr Accident Free | $138 |
| 5-yr Claim Free | $110 |
| Paid in Full/EFT | $88 |
| Advance Quote | $89 |
| Online Quote | $123 |
| Total Discounts | $745 |
Discounts are estimated and may not be available from every company or in every state.
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