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2002 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: Dec 3, 2021

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Average insurance rates for a 2002 Jeep Wrangler are $918 a year for full coverage insurance. Comprehensive insurance costs approximately $120 each year, collision costs $114, and liability costs $504. Buying a liability-only policy costs as little as $564 a year, with high-risk insurance costing $1,962 or more. Teen drivers receive the highest rates at $3,858 a year or more.

Annual premium for full coverage: $918

Rate estimates for 2002 Jeep Wrangler Insurance

Comprehensive $120
Collision $114
Liability $504

Rate data is compiled from all 50 U.S. states and averaged for all 2002 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 the average driver, prices range go from as low as $564 for a discount liability-only rate to a high rate of $1,962 for a driver that may need high-risk insurance.

Liability Only $564
Full Coverage $918
High Risk $1,962

View Chart as Image

2002 Jeep Wrangler insurance rates compared
Column chart showing 2002 Jeep Wrangler insurance prices range from $579 to $3,858 for full coverage

These differences illustrate why all drivers should compare rates using their specific location and risk profile, instead of making a decision based on 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 2002 Jeep Wrangler Insurance

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Shopping for car insurance is not something consumers like to do, but all states require it to be legal on the road.

If you currently have car insurance, you should be able to reduce your rates substantially using these methods. The purpose of this article is to familiarize you with the best way to quote coverages and some money-saving tips. Although consumers do need to know the way insurance companies determine prices.

Fast and Easy Auto Insurance Quotes

When shopping for auto insurance there are multiple ways of comparing rate quotes from auto insurance companies in your area. The best way to find competitive 2002 Jeep Wrangler insurance rates involves getting comparison quotes online. This can be done in several different ways.

  • The recommended way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This form prevents you from having to do repetitive form submissions to each individual auto insurance company. One form will return quotes from many national carriers. It’s the fastest way to compare.
  • A more time consuming way to compare rate quotes is to manually visit the website for every company you want to comare and complete a new quote form. For sake of this example, let’s assume you want to compare Progressive, State Farm and Farmers. To get rate quotes you would need to visit each site to enter your coverage information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  • The least recommended way of comparing rate quotes is driving to local insurance agencies. Shopping for auto insurance online eliminates the need for an insurance agent unless you require the personal advice only provided by licensed agents. It is possible to price shop your coverage online but still have the advice of a local agent.

Whichever way you use, ensure you’re using apples-to-apples coverages and limits with every price quote. If the quotes have mixed coverages it will be very difficult to decipher which rate is best. Quoting even small variations in insurance coverages can result in a big premium difference. And when comparing auto insurance rates, know that comparing more company’s prices helps locate the best offered rates.

Discounts to lower 2002 Jeep Wrangler insurance rates

The price of auto insurance can be rather high, but companies offer discounts to help bring down the price. Larger premium reductions will be automatically applied when you quote, but less common discounts must be specially asked for prior to receiving the credit.

  • No Accidents – Drivers who don’t have accidents pay less when compared with frequent claim filers.
  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • No Charge for an Accident – Some insurance companies will forgive one accident before your rates go up as long as you don’t have any claims for a set time period.
  • New Car Discount – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Distant Student – Kids in college who live away from home and don’t have a car may qualify for this discount.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts may earn rate discounts up to 30%.

It’s important to understand that some of the credits will not apply the whole policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky. But any discount will help reduce your overall premium however.

Companies that may have these benefits may include but are not limited to:

  • AAA
  • Progressive
  • State Farm
  • Esurance
  • Nationwide

Check with each company which discounts they offer. Some discounts might not be offered in your area.

Jeep Wrangler rates are complex

Consumers need to have an understanding of some of the elements that go into determining the price you pay for car insurance. Knowing what impacts premium levels enables informed choices that will entitle you to lower car insurance prices.

Listed below are some of the factors car insurance companies consider when setting prices.

  • Careful drivers pay lower rates – Your driving citation history has a huge affect on how much you pay. Good drivers tend to pay less for car insurance compared to drivers with tickets. Even one ticket can increase rates by twenty percent. Drivers who have flagrant citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Safer cars cost less to insure – Safer cars are cheaper to insure. Safer cars result in less severe injuries and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If the Jeep Wrangler is rated at least four stars on Safercar.gov you may qualify for a discount.
  • Liability insurance protects assets – Liability insurance is the coverage that protects you in the event that a jury decides you are liable for personal injury or accident damage. Liability insurance provides you with a defense in court up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.
  • Too many car insurance claims drive up costs – Car insurance companies award lower rates to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can look forward to either higher rates or even cancellation. Car insurance is intended to be relied upon for major claims that would cause financial hardship.

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Tailor your coverage to you

When choosing coverage, there isn’t really a one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that may help highlight if your situation could use an agent’s help.

  • Is motorclub coverage worth it?
  • Should I have a commercial auto policy?
  • What is medical payments coverage?
  • Should I bundle my homeowners policy with my auto?
  • If my pet gets injured in an accident are they covered?
  • Am I getting all the discounts available?
  • Do I need added coverage for expensive stereo equipment?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form.

Free Auto Insurance Comparison

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

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Save $487 a year. For real?

Car insurance companies such as State Farm and Allstate continually stream ads on TV and radio. They all seem to make an identical promise that you can save after switching to their company. How do they all say the same thing?

All the different companies have a preferred profile for the type of driver they prefer to insure. For example, a driver they prefer could possibly be a mature driver, owns a home, and has a short commute. A driver that hits that “sweet spot” will get the preferred rates and most likely will save quite a bit of money when switching.

Potential customers who don’t qualify for these standards will be quoted more money which usually ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” not “people who quote” save that much. This is how companies can truthfully claim big savings.

This emphasizes why it is so important to compare as many rates as you can. It’s impossible to know which insurance companies will provide you with the cheapest Jeep Wrangler insurance rates.

The coverage is in the details

Having a good grasp of your auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers – This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 2002 Jeep Wrangler.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for prosthetic devices, doctor visits, surgery and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage – Collision insurance covers damage to your Wrangler caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a building, colliding with a tree, crashing into a ditch and driving through your garage door. 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 bump up the deductible to bring the cost down.

Liability coverage – Liability insurance provides protection from injuries or damage you cause to people or other property that is your fault. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as legal defense fees, repair costs for stationary objects, structural damage and medical expenses. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Comprehensive auto insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as vandalism, a tree branch falling on your vehicle, hitting a bird and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Shop around and save

Budget-conscious 2002 Jeep Wrangler insurance can be sourced from both online companies in addition to many insurance agents, so you should compare both so you have a total pricing picture. A few companies do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

As you restructure your insurance plan, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped liability limits or collision coverage only to regret at claim time that they should have had better coverage. The proper strategy is to purchase a proper amount of coverage at the best price while still protecting your assets.

We just presented many ideas to save on insurance. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may even discover the most savings is with a lesser-known regional company.

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Rates by U.S. City

2002 Jeep Wrangler Insurance Rates by City
City Premium
New York City, NY $1,452
Los Angeles, CA $1,569
Philadelphia, PA $1,224
Jacksonville, FL $1,332
Phoenix, AZ $1,067
Chicago, IL $1,228
Houston, TX $1,435
Seattle, WA $892
Columbus, OH $765
Indianapolis, IN $782

Need a specific model?

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Rates by Driver Age

2002 Jeep Wrangler Insurance Rates by Driver Age
Driver Age Premium
16 $3,858
20 $2,092
30 $920
40 $918
50 $844
60 $826

Full coverage, $500 deductibles

Rates by Deductible

2002 Jeep Wrangler Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,016
$250 $972
$500 $918
$1,000 $862

Full coverage, driver age 40

Rates by Liability Limit

Jeep Wrangler Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $918
50/100 $1,019
100/300 $1,145
250/500 $1,472
100 CSL $1,069
300 CSL $1,346
500 CSL $1,548

Full coverage, driver age 40

Rates for High Risk Drivers

2002 Jeep Wrangler Insurance Rates for High Risk Drivers
Age Premium
16 $5,394
20 $3,326
30 $1,962
40 $1,962
50 $1,878
60 $1,858

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 $118

Potential Rate Discounts

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

Discount Savings
Multi-policy $44
Multi-vehicle $50
Homeowner $17
5-yr Accident Free $49
5-yr Claim Free $55
Paid in Full/EFT $28
Advance Quote $37
Online Quote $59
Total Discounts $339
Rate after discounts $579

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

Find companies with the cheapest rates in your area

2002 Jeep Wrangler Insurance Rates by State
State Premium
Alabama $828
Alaska $706
Arizona $762
Arkansas $918
California $1,046
Colorado $874
Connecticut $940
Delaware $1,040
Florida $1,148
Georgia $846
Hawaii $658
Idaho $622
Illinois $682
Indiana $692
Iowa $618
Kansas $872
Kentucky $1,252
Louisiana $1,360
Maine $568
Maryland $756
Massachusetts $732
Michigan $1,592
Minnesota $768
Mississippi $1,100
Missouri $812
Montana $984
Nebraska $724
Nevada $1,102
New Hampshire $662
New Jersey $1,026
New Mexico $812
New York $968
North Carolina $528
North Dakota $754
Ohio $632
Oklahoma $940
Oregon $840
Pennsylvania $874
Rhode Island $1,226
South Carolina $832
South Dakota $774
Tennessee $802
Texas $1,104
Utah $678
Vermont $630
Virginia $548
Washington $708
West Virginia $840
Wisconsin $634
Wyoming $818

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