Jeep Wagoneer Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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The average insurance rates for a Jeep Wagoneer are $1,604 a year with full coverage. Comprehensive insurance costs around $406, collision costs $814, and liability coverage is estimated at $274. Liability-only coverage costs approximately $322 a year, with high-risk coverage costing $3,484 or more. 16-year-old drivers cost the most to insure at $5,580 a year or more.
Average premium for full coverage: $1,604
Policy rates for type of insurance:
Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Wagoneer trim levels.
Price Range Variability
For a driver around age 40, Jeep Wagoneer insurance rates go from the low end price of $322 for just liability insurance to a much higher rate of $3,484 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than congested cities.
The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code, rather than using rate 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 Wagoneer insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $877
- Choosing higher $1,000 deductibles can save about $278 annually
- The estimated price for a good driver age 40 using $500 deductibles is $1,604
- Buying more expensive low deductibles for comp and collision coverage will cost an additional $540 each year
- Drivers with multiple tickets or accidents could pay at least $3,484 or more
- Policy cost that insures a teenage driver with full coverage can be $5,580 each year
Insurance rates for a Jeep Wagoneer also range considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,900 to $2,500 additional every year, depending on your age. High-risk driver insurance ranges around 45% to 132% more than the average rate. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $5,500 a year. View Rates by Age
Your home state plays a big part in determining prices for Jeep Wagoneer insurance rates. A good driver about age 40 could pay as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or at least $2,160 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,450 | -$154 | -9.6% |
| Alaska | $1,228 | -$376 | -23.4% |
| Arizona | $1,330 | -$274 | -17.1% |
| Arkansas | $1,604 | -$0 | 0.0% |
| California | $1,828 | $224 | 14.0% |
| Colorado | $1,528 | -$76 | -4.7% |
| Connecticut | $1,646 | $42 | 2.6% |
| Delaware | $1,812 | $208 | 13.0% |
| Florida | $2,002 | $398 | 24.8% |
| Georgia | $1,482 | -$122 | -7.6% |
| Hawaii | $1,152 | -$452 | -28.2% |
| Idaho | $1,086 | -$518 | -32.3% |
| Illinois | $1,194 | -$410 | -25.6% |
| Indiana | $1,210 | -$394 | -24.6% |
| Iowa | $1,084 | -$520 | -32.4% |
| Kansas | $1,520 | -$84 | -5.2% |
| Kentucky | $2,184 | $580 | 36.2% |
| Louisiana | $2,372 | $768 | 47.9% |
| Maine | $988 | -$616 | -38.4% |
| Maryland | $1,322 | -$282 | -17.6% |
| Massachusetts | $1,280 | -$324 | -20.2% |
| Michigan | $2,784 | $1,180 | 73.6% |
| Minnesota | $1,342 | -$262 | -16.3% |
| Mississippi | $1,920 | $316 | 19.7% |
| Missouri | $1,422 | -$182 | -11.3% |
| Montana | $1,724 | $120 | 7.5% |
| Nebraska | $1,262 | -$342 | -21.3% |
| Nevada | $1,924 | $320 | 20.0% |
| New Hampshire | $1,156 | -$448 | -27.9% |
| New Jersey | $1,788 | $184 | 11.5% |
| New Mexico | $1,418 | -$186 | -11.6% |
| New York | $1,688 | $84 | 5.2% |
| North Carolina | $922 | -$682 | -42.5% |
| North Dakota | $1,312 | -$292 | -18.2% |
| Ohio | $1,108 | -$496 | -30.9% |
| Oklahoma | $1,644 | $40 | 2.5% |
| Oregon | $1,472 | -$132 | -8.2% |
| Pennsylvania | $1,528 | -$76 | -4.7% |
| Rhode Island | $2,136 | $532 | 33.2% |
| South Carolina | $1,450 | -$154 | -9.6% |
| South Dakota | $1,352 | -$252 | -15.7% |
| Tennessee | $1,402 | -$202 | -12.6% |
| Texas | $1,930 | $326 | 20.3% |
| Utah | $1,188 | -$416 | -25.9% |
| Vermont | $1,094 | -$510 | -31.8% |
| Virginia | $960 | -$644 | -40.1% |
| Washington | $1,236 | -$368 | -22.9% |
| West Virginia | $1,472 | -$132 | -8.2% |
| Wisconsin | $1,108 | -$496 | -30.9% |
| Wyoming | $1,424 | -$180 | -11.2% |
Opting for high physical damage deductibles can save as much as $820 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $246 more each year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out your exact price is to compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, and rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Wagoneer | $420 | $834 | $264 | $1,628 |
| 2023 Jeep Wagoneer | $406 | $814 | $274 | $1,604 |
| 2022 Jeep Wagoneer | $392 | $780 | $284 | $1,566 |
Rates are averaged for all Jeep Wagoneer 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 More Affordable Jeep Wagoneer Insurance
Finding cheaper rates on auto insurance takes being a good driver, having a good credit score, not filing small claims, and taking advantage of discounts. Comparison shop at every other renewal by getting quotes from direct companies, and also from your local independent and exclusive agents.
The following list is a summary of the concepts that were covered above.
- Drivers who have multiple accidents or major violations may pay on average $1,880 more every year than a safer driver
- Drivers age 16 to 20 are charged the highest rates, as much as $465 each month if comprehensive and collision insurance is included
- You may be able to save up to $210 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $825 each year
- You may be able to save up to $210 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,580 |
| 20 | $3,706 |
| 30 | $1,704 |
| 40 | $1,604 |
| 50 | $1,460 |
| 60 | $1,434 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,144 |
| $250 | $1,890 |
| $500 | $1,604 |
| $1,000 | $1,326 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,604 |
| 50/100 | $1,659 |
| 100/300 | $1,727 |
| 250/500 | $1,905 |
| 100 CSL | $1,686 |
| 300 CSL | $1,837 |
| 500 CSL | $1,947 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,074 |
| 20 | $5,904 |
| 30 | $3,596 |
| 40 | $3,484 |
| 50 | $3,318 |
| 60 | $3,292 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $90 |
| Multi-vehicle | $83 |
| Homeowner | $20 |
| 5-yr Accident Free | $134 |
| 5-yr Claim Free | $107 |
| Paid in Full/EFT | $86 |
| Advance Quote | $87 |
| Online Quote | $120 |
| Total Discounts | $727 |
Discounts are estimated and may not be available from every company or in every state.
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