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1999 Jeep Wrangler Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 3, 2020

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Average insurance rates for a 1999 Jeep Wrangler are $904 a year with full coverage. Comprehensive insurance costs an estimated $116 a year, collision costs $108, and liability coverage costs around $500. Buying a liability-only policy costs as low as $560 a year, with high-risk insurance costing $1,928 or more. Teen drivers receive the highest rates at $3,808 a year or more.

Annual premium for full coverage: $904

Rate estimates for 1999 Jeep Wrangler Insurance

Comprehensive $116
Collision $108
Liability $500

Rate data is compiled from all 50 U.S. states and averaged for all 1999 Jeep Wrangler models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $560 for just liability coverage to a high of $1,928 for a high risk driver.

Liability Only $560
Full Coverage $904
High Risk $1,928

View Chart as Image

1999 Jeep Wrangler insurance rates compared
Column chart showing 1999 Jeep Wrangler insurance prices range from $572 to $3,808 for full coverage

These differences demonstrate why it is important for drivers to compare prices for a targeted area and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 1999 Jeep Wrangler Insurance

Searching Companies

Looking for the cheapest insurance coverage rates? Shoppers have options when shopping for the best price on Jeep Wrangler insurance. You can either waste hours struggling with agents to compare prices or leverage the internet to find the lowest rates. There is a better way to find insurance coverage online and we’ll show you the best way to price shop coverage for your Jeep and get the cheapest rates from local insurance agents and online providers.

You need to price shop coverage quite often due to the fact that insurance rates change frequently. Just because you had the best price on Wrangler insurance a couple years back there is a good chance you can find better rates now. There is a lot of bad information regarding insurance coverage on the internet, so we’re going to give you a bunch of ideas how to put money back in your pocket.

How to Compare Auto Insurance Rates

There are a variety of methods to compare 1999 Jeep Wrangler auto insurance quotes, and some are more efficient than others. You can waste a few hours (or days) driving to insurance companies in your area, or you can stay home and use the web to get pricing more quickly.

Many insurance companies belong to a marketplace that allows shoppers to complete one form, and each participating company then returns a price quote based on that data. This eliminates the need for quotation requests to each company. To enter your information into the quoting system, click to open in new window.

One minor caviat to getting quotes like this is you cannot specify which carriers you will receive quotes from. So if you prefer to choose from a list of companies for rate comparison, we have assembled a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, make absolute certain that you use the exact same quote information for each comparison quote. If the quotes have different liability limits it will be very difficult to determine the best price for your Jeep Wrangler.

Policy discounts you shouldn’t miss

Companies don’t always list every discount very clearly, so we break down both the well known and the more hidden savings tricks you should be using. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • E-sign – Some insurance companies give back up to $50 simply for signing over the internet.
  • Seat Belts Save – Drivers who require all occupants to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. This discount can apply up to age 25.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out auto and life insurance together.
  • Low Mileage – Driving fewer miles could be rewarded with a substantially lower rate.
  • Senior Citizens – Older drivers may be able to get a small decrease in premiums on Wrangler insurance.
  • Club Memberships – Being a member of a civic or occupational organization could qualify you for a break when buying insurance coverage on Wrangler insurance.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% on Wrangler insurance depending on your company.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can receive discounts of 20% or more.

It’s important to understand that most discounts do not apply the whole policy. A few only apply to the price of certain insurance coverages like medical payments or collision. So even though it sounds like you could get a free insurance coverage policy, you’re out of luck.

For a list of providers with discount insurance coverage rates, click this link.

Insurance agents can help

When it comes to buying proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining whether your personal situation will benefit from professional help.

  • Why do I only qualify for high-risk insurance?
  • When should I not file a claim?
  • Do I have coverage when using my vehicle for my home business?
  • Should I have combined single limit or split liability limits?
  • Is business equipment covered while in my vehicle?
  • Is my cargo covered for damage or theft?
  • Do I need replacement cost coverage on my 1999 Jeep Wrangler?
  • Who is covered by my policy?
  • Where can I get insurance after a DUI in my state?
  • How much can I save by bundling my policies?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Car insurance coverages for a Jeep Wrangler

Understanding the coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision coverage

Collision insurance covers damage to your Wrangler caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as backing into a parked car, colliding with another moving vehicle, damaging your car on a curb and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as funeral costs, prosthetic devices, nursing services and surgery. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

This pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, vandalism, damage from getting keyed and hail damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability

Liability insurance can cover damage or injury you incur to other’s property or people in an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims like emergency aid, repair bills for other people’s vehicles, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1999 Jeep Wrangler Insurance Rates by City
City Premium
New York City, NY $1,428
Los Angeles, CA $1,542
Philadelphia, PA $1,201
Jacksonville, FL $1,308
Phoenix, AZ $1,050
Chicago, IL $1,206
Houston, TX $1,412
Seattle, WA $877
Columbus, OH $753
Indianapolis, IN $768

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1999 Jeep Wrangler Insurance Rates by Driver Age
Driver Age Premium
16 $3,808
20 $2,058
30 $904
40 $904
50 $832
60 $814

Full coverage, $500 deductibles

Rates by Deductible

1999 Jeep Wrangler Insurance Rates with Different Deductibles
Deductible Premium
$100 $998
$250 $956
$500 $904
$1,000 $852

Full coverage, driver age 40

Rates by Liability Limit

Jeep Wrangler Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $904
50/100 $1,004
100/300 $1,129
250/500 $1,454
100 CSL $1,054
300 CSL $1,329
500 CSL $1,529

Full coverage, driver age 40

Rates for High Risk Drivers

1999 Jeep Wrangler Insurance Rates for High Risk Drivers
Age Premium
16 $5,316
20 $3,272
30 $1,928
40 $1,928
50 $1,846
60 $1,828

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 $116

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $43
Multi-vehicle $49
Homeowner $17
5-yr Accident Free $48
5-yr Claim Free $54
Paid in Full/EFT $27
Advance Quote $36
Online Quote $58
Total Discounts $332
Rate after discounts $572

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

Find companies with the cheapest rates in your area

1999 Jeep Wrangler Insurance Rates by State
State Premium
Alabama $816
Alaska $692
Arizona $750
Arkansas $904
California $1,028
Colorado $860
Connecticut $926
Delaware $1,022
Florida $1,128
Georgia $834
Hawaii $646
Idaho $612
Illinois $670
Indiana $680
Iowa $608
Kansas $856
Kentucky $1,232
Louisiana $1,336
Maine $558
Maryland $744
Massachusetts $720
Michigan $1,566
Minnesota $754
Mississippi $1,082
Missouri $800
Montana $970
Nebraska $710
Nevada $1,084
New Hampshire $652
New Jersey $1,008
New Mexico $798
New York $952
North Carolina $520
North Dakota $740
Ohio $622
Oklahoma $924
Oregon $826
Pennsylvania $858
Rhode Island $1,204
South Carolina $818
South Dakota $762
Tennessee $788
Texas $1,086
Utah $668
Vermont $618
Virginia $540
Washington $696
West Virginia $826
Wisconsin $624
Wyoming $804

Free Auto Insurance Comparison

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