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2006 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 2006 Jeep Wrangler are $996 a year for full coverage. Comprehensive insurance costs an estimated $140, collision costs $142, and liability coverage costs $534. Buying a liability-only policy costs as little as $588 a year, with high-risk insurance costing $2,136 or more. Teen drivers receive the highest rates at $4,142 a year or more.

Annual premium for full coverage: $996

Rate estimates for 2006 Jeep Wrangler Insurance

Comprehensive $140
Collision $142
Liability $534

Rate data is compiled from all 50 U.S. states and averaged for all 2006 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 driver in their 40's, prices range go from as low as $588 for basic liability insurance to the much higher price of $2,136 for a driver who has had serious violations or accidents.

Liability Only $588
Full Coverage $996
High Risk $2,136

View Chart as Image

2006 Jeep Wrangler insurance rates compared
Column chart showing 2006 Jeep Wrangler insurance prices range from $620 to $4,142 for full coverage

These differences show why everyone should compare rates 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 2006 Jeep Wrangler Insurance

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Drivers have many options when trying to find the best price on Jeep Wrangler insurance. They can either waste time driving around trying to get quotes or utilize the internet to make rate comparisons.

There are more efficient ways to shop for car insurance and you need to know the absolute fastest way to get price quotes for a new or used Jeep and obtain the best price possible from both online companies and local agents.

You should make it a habit to do rate comparisons on a regular basis because rates tend to go up over time. Even if you think you had the best price for Wrangler insurance on your last policy a different company probably has better rates today. There is a lot of wrong information about car insurance online, so we’re going to give you some great ideas on how to slash your car insurance rates.

The purpose of this article is to tell you how to get online quotes and some money-saving tips. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these techniques. Vehicle owners only need an understanding of how to shop their coverage around on the web.

More discounts equal less premium

The price of auto insurance can be rather high, but you can get discounts to help offset the cost. Some trigger automatically at the time of purchase, but some must be inquired about before being credited. If you don’t get every credit available, you are throwing money away.

  • Air Bag Discount – Cars that have air bags or automatic seat belts can get savings up to 30%.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Multi-policy Discount – If you insure your home and vehicles with one company you may earn approximately 10% to 15%.
  • Senior Discount – Older drivers can possibly qualify for better insurance coverage rates for Wrangler insurance.
  • Accident Forgiveness – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Multiple Cars – Buying insurance for all your vehicles with the same company could earn a price break for each car.
  • Use Seat Belts – Requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.

It’s important to understand that most discount credits are not given to all coverage premiums. A few only apply to specific coverage prices like comp or med pay. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. But all discounts will cut your premiums.

For a list of insurance companies who offer insurance coverage discounts, click here.

Compare the Market for Auto Insurance

There are several ways to compare Jeep Wrangler auto insurance prices but some are less time-consuming than others. You could spend your day talking about coverages with local insurance agents in your area, or you can utilize the internet to maximize your effort.

Many insurance companies take part in a program that allows shoppers to only type in their quote data once, and each participating company can provide price quotes. This saves time by eliminating repetitive form submissions to each individual auto insurance company. To participate in this free quote system, click to open in new window.

The one disadvantage to doing it this way is buyers cannot specifically choose which companies to receive prices from. If you wish to select individual companies to receive pricing from, we have assembled a list of low cost auto insurance companies in your area. Click here to view list.

Whichever method you choose, compare exactly the same quote information for each price quote. If you are comparing unequal deductibles or liability limits you can’t possibly decipher which rate is best.

It’s not one size fits all

When it comes to choosing adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • How do I file an SR-22 for a DUI in my state?
  • Can I afford low physical damage deductibles?
  • How much can I save by bundling my policies?
  • Does insurance cover damages from a DUI accident?
  • Should I have a commercial auto policy?
  • Can I get a multi-policy discount?
  • Do I need motorclub coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I waive the damage coverage when renting a car?
  • Where can I find high-risk insurance?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Free Auto Insurance Comparison

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

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Auto insurance policy coverages for a Jeep Wrangler

Understanding the coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like funeral costs, prosthetic devices, surgery and nursing services. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

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

Comprehensive insurance covers claims like damage from flooding, hail damage, a tree branch falling on your vehicle and damage from getting keyed. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a ditch, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 2006 Jeep Wrangler.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Auto liability insurance – Liability insurance will cover damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as loss of income, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Knowledge is power

We’ve covered some good ideas how you can lower your 2006 Jeep Wrangler insurance rates. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. You may be surprised to find that the best price on auto insurance is with an unexpected company.

Insureds change insurance companies for many reasons like policy non-renewal, delays in paying claims, being labeled a high risk driver and poor customer service. Whatever your reason, switching auto insurance companies is not as difficult as it may seem.

When you buy insurance online, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed liability coverage limits and learned later that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

More tips and info about auto insurance is located in these articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2006 Jeep Wrangler Insurance Rates by City
City Premium
New York City, NY $1,572
Los Angeles, CA $1,701
Philadelphia, PA $1,327
Jacksonville, FL $1,445
Phoenix, AZ $1,159
Chicago, IL $1,332
Houston, TX $1,560
Seattle, WA $968
Columbus, OH $830
Indianapolis, IN $850

Need a specific model?

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Rates by Driver Age

2006 Jeep Wrangler Insurance Rates by Driver Age
Driver Age Premium
16 $4,142
20 $2,270
30 $1,002
40 $996
50 $918
60 $898

Full coverage, $500 deductibles

Rates by Deductible

2006 Jeep Wrangler Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,116
$250 $1,064
$500 $996
$1,000 $932

Full coverage, driver age 40

Rates by Liability Limit

Jeep Wrangler Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $996
50/100 $1,103
100/300 $1,236
250/500 $1,583
100 CSL $1,156
300 CSL $1,450
500 CSL $1,664

Full coverage, driver age 40

Rates for High Risk Drivers

2006 Jeep Wrangler Insurance Rates for High Risk Drivers
Age Premium
16 $5,804
20 $3,614
30 $2,140
40 $2,136
50 $2,044
60 $2,020

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 $130

Potential Rate Discounts

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

Discount Savings
Multi-policy $49
Multi-vehicle $54
Homeowner $19
5-yr Accident Free $55
5-yr Claim Free $61
Paid in Full/EFT $32
Advance Quote $41
Online Quote $65
Total Discounts $376
Rate after discounts $620

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

Find companies with the cheapest rates in your area

2006 Jeep Wrangler Insurance Rates by State
State Premium
Alabama $902
Alaska $764
Arizona $828
Arkansas $996
California $1,134
Colorado $948
Connecticut $1,022
Delaware $1,128
Florida $1,246
Georgia $920
Hawaii $714
Idaho $674
Illinois $740
Indiana $752
Iowa $672
Kansas $946
Kentucky $1,358
Louisiana $1,476
Maine $616
Maryland $822
Massachusetts $796
Michigan $1,728
Minnesota $834
Mississippi $1,194
Missouri $882
Montana $1,070
Nebraska $786
Nevada $1,196
New Hampshire $718
New Jersey $1,116
New Mexico $882
New York $1,048
North Carolina $574
North Dakota $816
Ohio $686
Oklahoma $1,020
Oregon $912
Pennsylvania $948
Rhode Island $1,328
South Carolina $904
South Dakota $842
Tennessee $870
Texas $1,200
Utah $736
Vermont $684
Virginia $596
Washington $768
West Virginia $912
Wisconsin $688
Wyoming $888

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