Jeep Wagoneer Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Jeep Wagoneer are $1,646 a year for full coverage insurance. Comprehensive costs around $438 a year, collision insurance costs $840, and liability is $258. Liability-only coverage costs around $306 a year, and high-risk coverage costs around $3,560. Teens pay the highest rates at up to $5,652 a year.
Average premium for full coverage: $1,646
Price estimates for individual coverage:
Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Wagoneer trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Jeep Wagoneer insurance prices range from as low as $306 for just the minimum liability insurance to a high of $3,560 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance rates.
The ranges above illustrate why it is important to compare rates quotes for a specific zip code and risk profile, instead of making a decision based 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 Analysis
The chart below illustrates average Jeep Wagoneer insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $901
- Raising to $1,000 deductibles will save about $1,356 each year
- The average rate for the average middle-age driver using $500 deductibles is $1,646
- Selecting low $100 deductibles will increase the cost to $2,210
- Drivers with serious driving violations could pay at least $3,560
- The price for full coverage for a 16-year-old driver can be $5,652
Auto insurance prices for a Jeep Wagoneer are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.
Older drivers with a good driving record and high deductibles may pay as low as $1,500 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $5,600 a year. View Rates by Age
The state you live in also has a big influence on Jeep Wagoneer insurance prices. A middle-age driver might find prices as low as $1,070 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,220 on average in Michigan, New York, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $860 annually, while buying higher liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $232 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at least $1,900 to $2,600 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 46% to 129% more than the average policy. View High Risk Driver Rates
| 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 Find the Best Jeep Wagoneer Insurance
Getting lower rates on insurance for a Jeep Wagoneer consists of being a good driver, having good credit, not filing small claims, and possibly raising deductibles. Take the time to comparison shop at every other renewal by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following list is a brief recap of the concepts that were touched on in the above illustrations.
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,910 more every year than a safer driver
- Drivers age 16 to 20 are expensive to insure, as much as $471 a month if they have full coverage
- It is possible to save up to $210 per year just by quoting early and online
- Increasing physical damage deductibles can save around $850 each year
- It is possible to save up to $210 per year just by quoting early and online
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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