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2004 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 2004 Jeep Wrangler are $958 a year including full coverage. Comprehensive insurance costs on average $132, collision insurance costs $126, and liability costs $520. Buying a liability-only policy costs as little as $576 a year, and high-risk insurance costs $2,046 or more. Teen drivers receive the highest rates at up to $3,994 a year.

Annual premium for full coverage: $958

Rate estimates for 2004 Jeep Wrangler Insurance

Comprehensive $132
Collision $126
Liability $520

Rate data is compiled from all 50 U.S. states and averaged for all 2004 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 range from as low as $576 for basic liability insurance to a much higher rate of $2,046 for a high risk driver.

Liability Only $576
Full Coverage $958
High Risk $2,046

View Chart as Image

2004 Jeep Wrangler insurance rates compared
Column chart showing 2004 Jeep Wrangler insurance prices range from $600 to $3,994 for full coverage

These differences highlight why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of 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 2004 Jeep Wrangler Insurance

Searching Companies

Are you confused by the crazy number of insurance coverage company choices? Many other drivers are as well. Consumers have so many options available that it can be a real hassle to find lower rates.

The easiest way to compare insurance rates in your area takes advantage of the fact auto insurance companies participate in a system to give you rate quotes. All you need to do is spend a couple of minutes providing details like what you do for a living, whether or not you need a SR-22, level of coverage desired, and if it has an alarm system. Your information gets sent immediately to multiple companies and they provide comparison quotes immediately.

These ten discounts can slash insurance rates

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not even be aware of. Some trigger automatically at the time of quoting, but some may not be applied and must be specially asked for before they will apply.

  • Club Memberships – Being a member of a qualifying organization could qualify you for a break on your policy for Wrangler insurance.
  • Accident Forgiveness – Certain companies allow you one accident before raising your premiums if you are claim-free for a set time period.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you may save up to 20% off your total premium.
  • Low Mileage – Fewer annual miles on your Jeep can qualify you for a substantially lower rate.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. The good student discount can last up until you turn 25.
  • Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Homeowners Savings – Owning a house may trigger a insurance policy discount because of the fact that having a home demonstrates responsibility.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you can get free auto insurance, companies don’t profit that way. Any qualifying discounts will reduce your premiums.

A partial list of companies that may offer these discounts include:

  • State Farm
  • Allstate
  • Farm Bureau
  • Progressive
  • AAA

It’s a good idea to ask every prospective company which discounts they offer. All car insurance discounts may not be available in every state.

When might I need the advice of an agent?

When it comes to buying proper insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine if you would benefit from professional advice.

  • Am I covered if I crash into my own garage door?
  • Why am I required to buy liability insurance?
  • Does having multiple vehicles earn me a discount?
  • Is my 2004 Jeep Wrangler covered for flood damage?
  • Is business property covered if stolen from my car?
  • Does my medical payments coverage pay my health insurance deductible?
  • When do I need to add a new car to my policy?
  • Is my cargo covered for damage or theft?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

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 explained

Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for expenses like rehabilitation expenses, X-ray expenses, chiropractic care, hospital visits and pain medications. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2004 Jeep Wrangler.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time these limits are set the same as your liablity limits.

Collision coverage – This coverage covers damage to your Wrangler resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as scraping a guard rail, hitting a parking meter, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Liability coverage – This protects you from injuries or damage you cause to other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as pain and suffering, emergency aid and medical expenses. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like theft, vandalism and a tree branch falling on your vehicle. The most your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

What is YOUR best insurance company?

We just presented a lot of techniques to reduce 2004 Jeep Wrangler insurance prices online. The key concept to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may be surprised to find that the best price on insurance coverage is with a small mutual company.

When you buy insurance online, never skimp on coverage in order to save money. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits and learned later they didn’t purchase enough coverage. Your strategy should be to buy the best coverage you can find for the lowest price.

Discount insurance can be found from both online companies and with local insurance agents, and you need to comparison shop both to have the best selection. Some insurance providers do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

Much more information about insurance coverage is available at the links below

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2004 Jeep Wrangler Insurance Rates by City
City Premium
New York City, NY $1,515
Los Angeles, CA $1,635
Philadelphia, PA $1,277
Jacksonville, FL $1,390
Phoenix, AZ $1,114
Chicago, IL $1,282
Houston, TX $1,498
Seattle, WA $930
Columbus, OH $799
Indianapolis, IN $816

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2004 Jeep Wrangler Insurance Rates by Driver Age
Driver Age Premium
16 $3,994
20 $2,176
30 $960
40 $958
50 $882
60 $862

Full coverage, $500 deductibles

Rates by Deductible

2004 Jeep Wrangler Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,068
$250 $1,020
$500 $958
$1,000 $898

Full coverage, driver age 40

Rates by Liability Limit

Jeep Wrangler Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $958
50/100 $1,062
100/300 $1,192
250/500 $1,530
100 CSL $1,114
300 CSL $1,400
500 CSL $1,608

Full coverage, driver age 40

Rates for High Risk Drivers

2004 Jeep Wrangler Insurance Rates for High Risk Drivers
Age Premium
16 $5,588
20 $3,464
30 $2,050
40 $2,046
50 $1,960
60 $1,940

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 $124

Potential Rate Discounts

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

Discount Savings
Multi-policy $47
Multi-vehicle $52
Homeowner $18
5-yr Accident Free $52
5-yr Claim Free $58
Paid in Full/EFT $30
Advance Quote $39
Online Quote $62
Total Discounts $358
Rate after discounts $600

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

Find companies with the cheapest rates in your area

2004 Jeep Wrangler Insurance Rates by State
State Premium
Alabama $866
Alaska $734
Arizona $796
Arkansas $958
California $1,090
Colorado $912
Connecticut $982
Delaware $1,084
Florida $1,198
Georgia $884
Hawaii $688
Idaho $648
Illinois $712
Indiana $722
Iowa $646
Kansas $908
Kentucky $1,302
Louisiana $1,418
Maine $592
Maryland $790
Massachusetts $764
Michigan $1,660
Minnesota $802
Mississippi $1,146
Missouri $850
Montana $1,026
Nebraska $754
Nevada $1,150
New Hampshire $690
New Jersey $1,070
New Mexico $846
New York $1,010
North Carolina $552
North Dakota $784
Ohio $660
Oklahoma $982
Oregon $876
Pennsylvania $912
Rhode Island $1,278
South Carolina $868
South Dakota $808
Tennessee $836
Texas $1,152
Utah $706
Vermont $656
Virginia $574
Washington $738
West Virginia $876
Wisconsin $662
Wyoming $852

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