Jeep Wrangler Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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How much is insurance on a Jeep Wrangler? While this answer will depend on the vehicle year, such as whether you are looking for 2017, 2007, or 2005 Jeep Wrangler insurance costs, the average Jeep Wrangler insurance rates are $104 per month or $1,256 annually.

Is insurance on a Jeep Wrangler expensive compared to other SUVs on the market? Fortunately, this reliable vehicle proves to cost less to insure than other similar vehicles. If you are looking for cheap car insurance, we can help. Read through our complete guide to see how your Jeep insurance rates are impacted by your driver demographics, the Jeep Wrangler safety and crash test ratings, as well as insurance loss probability details.

Ready to learn what you can do to save on your Jeep Wrangler car insurance rates? To start finding affordable Jeep car insurance prices right now, simply enter your ZIP code into our free quote tool above.

Estimated insurance rates for a Jeep Wrangler are $1,242 a year with full coverage. Comprehensive insurance costs on average $240, collision costs $336, and liability coverage is estimated at $486. A liability-only policy costs approximately $548 a year, with high-risk insurance costing $2,654 or more. Teen drivers pay the most at $4,812 a year or more.

Average premium for full coverage: $1,242

Premium estimates by type of coverage:

Comprehensive $240
Collision $336
Liability $486

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all Wrangler models.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Jeep Wrangler go from the low end price of $548 for just liability insurance to the much higher price of $2,654 for a driver required to buy high-risk insurance.

Liability Only $548
Full Coverage $1,242
High Risk $2,654

Insurance Price Range by Location

Living in a larger city has a large influence on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than larger metro areas.

The example below illustrates the difference location can make on car insurance rates.

Rural Areas $932
Small Cities $1,304
Large Cities $1,677

These rate differences demonstrate why everyone should get quotes based on a specific location, rather than using price averages.

Use the form below to get customized rates for your location.

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

More Rate Details

The chart below details estimated Jeep Wrangler insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $745
  • Choosing higher $1,000 deductibles can save around $132 annually
  • The estimated price for a 40-year-old good driver with $500 deductibles is $1,242
  • Choosing pricier low deductibles for comp and collision coverage will cost an additional $248 each year
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,654 or more
  • An auto insurance policy that insures a teenage driver for full coverage may cost $4,812 each year

View Chart as Image

Jeep Wrangler insurance cost comparison chart
Column chart showing full coverage Jeep Wrangler insurance prices range from $745 to $4,812

Auto insurance prices for a Jeep Wrangler also have a wide range based on the model of your Wrangler, your age and driving habits, and policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,400 to $2,000 in extra premium annually, depending on your age. Jeep Wrangler insurance for high-risk drivers ranges around 42% to 126% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $4,800 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Jeep Wrangler insurance rates. A good driver about age 40 could pay as low as $890 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,670 on average in Florida, Michigan, and New York.

Jeep Wrangler Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,118 -$124 -10.0%
Alaska $950 -$292 -23.5%
Arizona $1,028 -$214 -17.2%
Arkansas $1,242 -$0 0.0%
California $1,410 $168 13.5%
Colorado $1,182 -$60 -4.8%
Connecticut $1,272 $30 2.4%
Delaware $1,402 $160 12.9%
Florida $1,548 $306 24.6%
Georgia $1,144 -$98 -7.9%
Hawaii $888 -$354 -28.5%
Idaho $838 -$404 -32.5%
Illinois $922 -$320 -25.8%
Indiana $934 -$308 -24.8%
Iowa $836 -$406 -32.7%
Kansas $1,176 -$66 -5.3%
Kentucky $1,690 $448 36.1%
Louisiana $1,834 $592 47.7%
Maine $766 -$476 -38.3%
Maryland $1,022 -$220 -17.7%
Massachusetts $990 -$252 -20.3%
Michigan $2,150 $908 73.1%
Minnesota $1,036 -$206 -16.6%
Mississippi $1,486 $244 19.6%
Missouri $1,098 -$144 -11.6%
Montana $1,332 $90 7.2%
Nebraska $976 -$266 -21.4%
Nevada $1,486 $244 19.6%
New Hampshire $894 -$348 -28.0%
New Jersey $1,386 $144 11.6%
New Mexico $1,096 -$146 -11.8%
New York $1,304 $62 5.0%
North Carolina $714 -$528 -42.5%
North Dakota $1,016 -$226 -18.2%
Ohio $856 -$386 -31.1%
Oklahoma $1,272 $30 2.4%
Oregon $1,136 -$106 -8.5%
Pennsylvania $1,180 -$62 -5.0%
Rhode Island $1,650 $408 32.9%
South Carolina $1,124 -$118 -9.5%
South Dakota $1,046 -$196 -15.8%
Tennessee $1,084 -$158 -12.7%
Texas $1,492 $250 20.1%
Utah $914 -$328 -26.4%
Vermont $850 -$392 -31.6%
Virginia $740 -$502 -40.4%
Washington $954 -$288 -23.2%
West Virginia $1,136 -$106 -8.5%
Wisconsin $858 -$384 -30.9%
Wyoming $1,102 -$140 -11.3%

View Chart as Image

Jeep Wrangler insurance rates by U.S. city

Choosing high deductibles can save as much as $380 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $483 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out exactly what you will pay is to regularly compare prices and see how they stack up. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Jeep Wrangler Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Jeep Wrangler $240 $336 $486 $1,242
2018 Jeep Wrangler $218 $300 $510 $1,208
2017 Jeep Wrangler $208 $282 $514 $1,184
2016 Jeep Wrangler $200 $254 $520 $1,154
2015 Jeep Wrangler $188 $234 $520 $1,122
2013 Jeep Wrangler $176 $204 $534 $1,094
2012 Jeep Wrangler $164 $190 $534 $1,068
2011 Jeep Wrangler $158 $172 $540 $1,050
2010 Jeep Wrangler $148 $158 $534 $1,020
2009 Jeep Wrangler $140 $142 $534 $996
2008 Jeep Wrangler $134 $128 $530 $972
2007 Jeep Wrangler $132 $126 $520 $958
2005 Jeep Wrangler $120 $114 $504 $918
2004 Jeep Wrangler $116 $108 $500 $904

Rates are averaged for all Jeep Wrangler models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Best Cheap Jeep Wrangler Insurance

Finding better rates on auto insurance takes avoiding accidents and violations, maintaining a good credit score, being claim-free, and taking advantage of discounts. Shop around at every policy renewal by obtaining price quotes from direct companies, and also from several local insurance agents.

The list below is a quick review of the data touched on in this article.

  • Consumers who require higher liability limits will pay about $540 every year to raise limits from 30/60 bodily injury limits to the 250/500 level
  • You may be able to save as much as $140 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save approximately $375 each year
  • Teenagers are charged the highest prices, possibly costing $401 per month if the policy includes full coverage

How much does Jeep Wrangler insurance cost?

How much is car insurance for a 2020 Jeep Wrangler? That will likely cost your around $1,256 per year. However, many factors impact your rates, such as driver age and experience. So, how much is insurance on a Jeep Wrangler for a 16-year-old? That annual total is more like $6,694 per year.

How much does Jeep Wrangler insurance cost for an 18-year-old? Most 18-year-olds will pays $5,622 per year for car insurance. However, the good news is that as long as you maintain a clean driving record, teenager Jeep Wrangler insurance decreases by about 8 percent per year until the driver is 20 years old. 

You might be wondering, do Jeep Wranglers have a lot of problems? According to the National Highway Traffic Safety Administration (NHTSA), steering wheel problems and airbag problems were the most common issues found in the Wrangler. The Jeep Wrangler also had a major recall at one point specifically for airbags.

The best Jeep Wrangler car insurance company will provide you with competitive rates without compromising your coverage. Is State Farm insurance for a Jeep Wrangler available? Yes, State Farm offers Jeep Wrangler car insurance. The company covers all personal vehicle types.

Is it expensive to insure a Jeep Wrangler? Not usually, the Jeep Wrangler proves to be a reliable and low-cost SUV to insure. If you have a poor driving record, your rates might be higher than average. Fortunately, shopping around for insurance quotes for a Jeep Wrangler will help you save money in the long run.

So if you want to find 2018 or 2016 Jeep Wrangler insurance costs or even insurance for a 2013 Jeep Wrangler, start by getting quotes by entering your five-digit ZIP code into our free tool below.

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What are the Jeep Wrangler safety ratings?

How much does average insurance cost for a Jeep Wrangler? Your jeep insurance costs will depend partially on the safety features and ratings of your vehicle. Luckily, the Jeep Wrangler has some great safety features including airbags, brake assist, rollover protection system, traction control, and more.

The Insurance Institute for Highway Safety (IIHS) gave the 2020 Jeep Wrangler the following safety ratings:

  • Small overlap front (driver-side): Marginal
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

Good is the highest rating given by the IHS, so most of the safety ratings for the Jeep Wrangler are excellent. While a marginal small overlap front test result is not ideal, you should not actually see any substantial increases in your insurance rates. 

What are the Jeep Wrangler crash test ratings?

The Jeep Wrangler crash test ratings will also affect your car insurance rates. Take a look at the table below to see how different model years of the Jeep Wrangler have performed during crash tests performed by the National Highway Traffic Safety Administration

Jeep Wrangler Crash Test Ratings
Vehicle Make and ModelOverall Crash Test RatingsFrontal Crash Test RatingsSide Crash Test RatingsRollover Crash Test Ratings
2020 Jeep Wrangler Unlimited SUV 4WDN/R4 starsN/R3 stars
2020 Jeep Wrangler Unlimited DIESEL SUV 4WDN/RN/RN/R3 stars
2020 Jeep Wrangler SUV 4WDN/R4 starsN/R3 stars
2019 Jeep Wrangler Unlimited 4 DR 4WDN/R4 starsN/R3 stars
2019 Jeep Wrangler 2 DR 4WDN/RN/RN/RN/R
2018 Jeep Wrangler Unlimited JK 4 DR 4WD Early releaseN/R3 starsN/R3 stars
2018 Jeep Wrangler Unlimited 4 DR 4WD Later ReleaseN/RN/RN/R3 stars
2018 Jeep Wrangler JK 2 DR 4WD Early releaseN/RN/RN/R3 stars
2018 Jeep Wrangler 2 DR 4WD Later ReleaseN/RN/RN/R3 stars
2017 Jeep Wrangler Unlimited 4 DR 4WDN/R3 starsN/R3 stars
2017 Jeep Wrangler 2 DR 4WDN/RN/RN/R3 stars
2016 Jeep Wrangler 4DR 4WDN/RN/RN/R3 stars
2016 Jeep Wrangler 2DR 4WDN/RN/RN/R3 stars

Overall, the Jeep Wrangler’s crash test ratings could use improvement. However, the scores still fall within the average range for an SUV. 

As you can see, depending on your Jeep’s model year and trim level, your vehicle could have better or worse crash test results. For example, the Jeep Wrangler Unlimited insurance cost will be a little higher as it only scored 3 stars in the rollover test.

Our professional advice is to always check the crash test and safety details for your specific Jeep Wrangler model to ensure the most accuracy. 

What are the Jeep Wrangler insurance loss probability ratios?

Understanding the Jeep Wrangler insurance loss probability ratios will help you estimate your potential car insurance costs. A lower insurance loss probability means you will have lower Jeep Wrangler insurance rates, while a higher loss probability means you will have higher insurance rates.

See the details of the 2020 Jeep Wrangler insurance loss probability ratios in the table below. 

Jeep Wrangler Insurance Loss Rates
Insurance Coverage CategoriesLoss Rates
Collision-46%
Property Damage34%
Comprehensive-29%
Personal Injury-43%
Medical Payment-48%
Bodily Injury2%

Wondering how much is the average liability insurance for a Jeep Wrangler? Liability insurance will be pricy if the Jeep Wrangler, a mid-size SUV, has poor liability losses. Unfortunately, the IIHS rated the property damage liability losses for the four-door Jeep Wrangler as substantially worse than average.

While the property damage loss ratio for the Jeep Wrangler is substantially worse than average, this SUV fares well in every other category. Overall, these numbers help keep your car insurance rates low and will help balance out the pricier liability rates. 

Read on to see how the Jeep Wrangler’s rates compare to other vehicles.

Should you compare the Jeep Wrangler against other vehicles in the same car class?

Comparing the Jeep Wrangler to other similar vehicles in the same car class can help you determine if this type of car really is the right match for you and your needs. 

Officially, the Jeep Wrangler is considered to be a midsize SUV.

To see how Jeep Wrangler insurance rates compare to other midsize SUVs, take a look at the SUVs below.

You are now an expert on securing affordable Jeep Wrangler car insurance. Whether you are looking for Jeep Rubicon insurance rates or car insurance for a Jeep Wrangler Unlimited, remember that getting multiple quotes is one of the best ways to save.

Are you ready to buy Jeep Wrangler car insurance? Simply enter your ZIP code in our free online quote tool to find cheap Jeep Wrangler car insurance quotes from multiple insurance companies near you.

References:

  1. https://www.iihs.org/ratings/vehicle/Jeep/wrangler-4-door-suv/2020
  2. https://www.nhtsa.gov/vehicle/2020/JEEP/WRANGLER

Rates by Driver Age

Jeep Wrangler Insurance Rates by Driver Age
Driver Age Premium
16 $4,812
20 $2,824
30 $1,270
40 $1,242
50 $1,136
60 $1,110

Full coverage, $500 deductibles

Rates by Deductible

Jeep Wrangler Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,490
$250 $1,376
$500 $1,242
$1,000 $1,110

Full coverage, driver age 40

Rates by Liability Limit

Jeep Wrangler Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,242
50/100 $1,479
100/300 $1,613
250/500 $1,962
100 CSL $1,533
300 CSL $1,828
500 CSL $2,042

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Wrangler Insurance Rates for High Risk Drivers
Age Premium
16 $6,804
20 $4,488
30 $2,692
40 $2,654
50 $2,534
60 $2,510

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 $165

Potential Rate Discounts

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

Discount Savings
Multi-policy $64
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $80
5-yr Claim Free $78
Paid in Full/EFT $49
Advance Quote $56
Online Quote $85
Total Discounts $497
Rate after discounts $745

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

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