Jeep Wrangler Insurance Rates

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 including full coverage. Comprehensive insurance costs approximately $268, collision costs $362, and liability coverage is $440. Liability-only coverage costs around $510 a year, with high-risk coverage costing $2,662 or more. Teenage drivers cost the most to insure at $4,744 a year or more.

Average premium for full coverage: $1,250

Policy rates by type of insurance:

Includes $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Wrangler trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, rather than using average rates.

Use the form below to get customized rates for your location.

More Rate Information

The chart below breaks down estimated Jeep Wrangler insurance rates for additional coverage and risk scenarios.

• The best discount rate is $751
• Raising to $1,000 deductibles will save $144 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,250
• Using more expensive low deductibles will cost an extra $270 each year
• Unlucky drivers who are prone to accidents and violations could pay around $2,662 or more
• Policy cost for full coverage for a teenage driver with full coverage can cost $4,744

View Chart as Image

Insurance rates for a Jeep Wrangler also range considerably based on your risk profile, the model of your Wrangler, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher 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 also has a big influence on Jeep Wrangler insurance rates. A middle-age driver might find rates as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,780 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $420 a year, while increasing your policy's liability limits will push rates upward. Changing 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 likely paying anywhere from $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 125% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates and see how they stack up. Every auto insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.

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.

How to Find the Cheapest Jeep Wrangler Insurance

Finding cheaper rates on auto insurance consists of being a safe and courteous driver, having a good credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to compare rates at least once a year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below is a recap of the primary concepts that were covered above.

• You may be able to save around $140 per year simply by shopping early and online
• Drivers that have major violations or accidents could be forced to pay on average $1,410 more per year for auto insurance
• Increasing comprehensive and collision deductibles can save around $425 each year
• Teenage drivers are the costliest to insure, with premiums being up to $395 each month including comprehensive and collision 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.

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

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

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.

• Buick Enclave Insurance Rates
• Chevrolet Traverse Insurance Rates
• Dodge Journey Insurance Rates

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