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2007 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 2007 Jeep Wrangler are $1,020 a year for full coverage insurance. Comprehensive insurance costs on average $148 each year, collision costs $158, and liability costs around $534. Buying a liability-only policy costs as low as $588 a year, with high-risk insurance costing $2,184 or more. Teen drivers receive the highest rates at $4,212 a year or more.

Annual premium for full coverage: $1,020

Rate estimates for 2007 Jeep Wrangler Insurance

Comprehensive $148
Collision $158
Liability $534

Rate data is compiled from all 50 U.S. states and averaged for all 2007 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 $588 for just liability coverage to a high rate of $2,184 for a driver that may need high-risk insurance.

Liability Only $588
Full Coverage $1,020
High Risk $2,184

View Chart as Image

2007 Jeep Wrangler insurance rates compared
Column chart showing 2007 Jeep Wrangler insurance prices range from $634 to $4,212 for full coverage

These differences illustrate why all drivers should compare prices based on a 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 2007 Jeep Wrangler Insurance

Searching Companies

Purchasing the cheapest auto insurance over the internet can be problematic for consumers new to comparing rates online. When there are so many insurance companies available, how can drivers even start to compare every company to locate the best price?

Policy discounts you shouldn’t miss

Companies don’t always list all available discounts in an easy-to-find place, so the following is a list of both the well known and the harder-to-find discounts you could be receiving.

  • Homeowners Savings – Simply owning a home can help you save on car insurance due to the fact that maintaining a home is proof that your finances are in order.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save up to 15% off your PIP or medical payments premium.
  • Drivers Education – Have your child enroll in driver’s education in high school.
  • E-sign – A handful of insurance companies give back up to $50 simply for signing on their website.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Low Mileage – Driving fewer miles can qualify you for a substantially lower rate.
  • Early Switch Discount – Some insurance companies reward drivers for signing up before your current policy expires. It’s a savings of about 10%.

It’s important to understand that most credits do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way.

Companies that possibly offer these discounts include:

  • Mercury Insurance
  • Farmers Insurance
  • Auto-Owners Insurance
  • Liberty Mutual
  • Progressive
  • USAA

Check with each insurance company what discounts are available to you. Savings might not be offered in every state.

Insurance agents can help

When buying the best insurance coverage coverage for your personal vehicles, there is no one size fits all plan. Every situation is different.

For example, these questions can aid in determining if your situation might need an agent’s assistance.

  • Is my dog or cat covered if injured in an accident?
  • Is business equipment covered while in my vehicle?
  • Am I covered when delivering products for my home-based business?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered when driving on a suspended license?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Free Auto Insurance Comparison

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Do insurance coverage companies bend the truth?

Companies like State Farm, GEICO and Progressive consistently run ads on television and other media. All the ads say the same thing that you can save if you change your policy. How can each company make the same claim?

Insurance companies have a preferred profile for the right customer they prefer to insure. For instance, a profitable customer could possibly be between 25 and 40, has no tickets, and has great credit. A driver that hits that “sweet spot” will get the preferred rates and as a result will probably save when switching.

Potential customers who don’t meet this ideal profile will be charged a more expensive rate and ends up with the customer not buying. Company advertisements say “drivers who switch” not “everyone that quotes” save that much. This is how companies can truthfully claim big savings. That is why it is so important to get as many quotes as possible. It’s impossible to know which insurance companies will provide you with the cheapest Jeep Wrangler insurance rates.

What insurance coverages do you need?

Understanding the coverages of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Liability coverages

This can cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you against claims from other people, and doesn’t 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 liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like repair bills for other people’s vehicles, medical services and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Jeep Wrangler.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as backing into a parked car, crashing into a ditch, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a bird, rock chips in glass and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses for rehabilitation expenses, dental work, doctor visits and EMT expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Buy online or local, you save

We just presented some good ideas how you can get a better price on 2007 Jeep Wrangler insurance. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from an unexpected company.

Insureds leave their current company for many reasons like extreme rates for teen drivers, an unsatisfactory settlement offer, policy cancellation or being labeled a high risk driver. It doesn’t matter what your reason, switching car insurance companies is not as difficult as it may seem.

Discount insurance can be bought both online in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

Additional articles

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Rates by U.S. City

2007 Jeep Wrangler Insurance Rates by City
City Premium
New York City, NY $1,611
Los Angeles, CA $1,743
Philadelphia, PA $1,358
Jacksonville, FL $1,478
Phoenix, AZ $1,184
Chicago, IL $1,364
Houston, TX $1,596
Seattle, WA $990
Columbus, OH $849
Indianapolis, IN $870

Need a specific model?

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Rates by Driver Age

2007 Jeep Wrangler Insurance Rates by Driver Age
Driver Age Premium
16 $4,212
20 $2,322
30 $1,028
40 $1,020
50 $938
60 $918

Full coverage, $500 deductibles

Rates by Deductible

2007 Jeep Wrangler Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,148
$250 $1,092
$500 $1,020
$1,000 $948

Full coverage, driver age 40

Rates by Liability Limit

Jeep Wrangler Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,020
50/100 $1,127
100/300 $1,260
250/500 $1,607
100 CSL $1,180
300 CSL $1,474
500 CSL $1,688

Full coverage, driver age 40

Rates for High Risk Drivers

2007 Jeep Wrangler Insurance Rates for High Risk Drivers
Age Premium
16 $5,908
20 $3,698
30 $2,192
40 $2,184
50 $2,092
60 $2,070

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 $134

Potential Rate Discounts

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

Discount Savings
Multi-policy $50
Multi-vehicle $55
Homeowner $19
5-yr Accident Free $57
5-yr Claim Free $63
Paid in Full/EFT $33
Advance Quote $42
Online Quote $67
Total Discounts $386
Rate after discounts $634

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

Find companies with the cheapest rates in your area

2007 Jeep Wrangler Insurance Rates by State
State Premium
Alabama $922
Alaska $782
Arizona $846
Arkansas $1,020
California $1,162
Colorado $972
Connecticut $1,048
Delaware $1,154
Florida $1,274
Georgia $942
Hawaii $730
Idaho $690
Illinois $758
Indiana $770
Iowa $688
Kansas $968
Kentucky $1,390
Louisiana $1,508
Maine $632
Maryland $842
Massachusetts $814
Michigan $1,768
Minnesota $854
Mississippi $1,222
Missouri $904
Montana $1,094
Nebraska $804
Nevada $1,224
New Hampshire $736
New Jersey $1,142
New Mexico $902
New York $1,074
North Carolina $588
North Dakota $836
Ohio $702
Oklahoma $1,046
Oregon $934
Pennsylvania $970
Rhode Island $1,360
South Carolina $924
South Dakota $860
Tennessee $892
Texas $1,228
Utah $754
Vermont $700
Virginia $608
Washington $786
West Virginia $934
Wisconsin $704
Wyoming $908

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