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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Jeep Wagoneer are $1,628 every 12 months with full coverage. Comprehensive costs around $420, collision insurance costs $834, and liability costs $264. Liability-only coverage costs as little as $312 a year, and high-risk coverage costs around $3,530. 16-year-old drivers pay the highest rates at up to $5,628 a year.
Average premium for full coverage: $1,628
Price estimates for individual coverage:
Rates are based on $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and for different Wagoneer trim levels.
Price Range from Low to High
For the average driver, Jeep Wagoneer insurance prices range from the cheapest price of $312 for your basic liability-only policy to a much higher rate of $3,530 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location can make a big difference on insurance rates. Areas with sparse population have more infrequent collision claims than congested cities. The price range example below illustrates how location impacts auto insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, instead of making a decision based on 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 Information
The chart below details average Jeep Wagoneer insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $891
- Drivers who choose higher $1,000 deductibles will pay about $286 annually
- The average price for the average middle-age driver using $500 deductibles is $1,628
- Buying more expensive low deductibles for comprehensive and collision insurance increases the price to $2,182
- Drivers with multiple tickets or accidents could pay at least $3,530
- The price to insure a 16-year-old driver with full coverage can be $5,628 a year
Auto insurance prices for a Jeep Wagoneer are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.
Opting for high physical damage deductibles could save up to $840 annually, while increasing your policy's liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $237 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as low as $1,500 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay as much as $5,600 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,900 to $2,600 in extra premium each year, depending on your age. High-risk driver insurance can cost from 46% to 131% more than the average rate. View High Risk Driver Rates
The state you live in makes a big difference in Jeep Wagoneer insurance prices. A 40-year-old driver could pay as low as $1,170 a year in states like New Hampshire, Ohio, and Utah, or at least $2,190 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,472 | -$156 | -9.6% |
| Alaska | $1,248 | -$380 | -23.3% |
| Arizona | $1,350 | -$278 | -17.1% |
| Arkansas | $1,628 | -$0 | 0.0% |
| California | $1,852 | $224 | 13.8% |
| Colorado | $1,552 | -$76 | -4.7% |
| Connecticut | $1,668 | $40 | 2.5% |
| Delaware | $1,840 | $212 | 13.0% |
| Florida | $2,030 | $402 | 24.7% |
| Georgia | $1,502 | -$126 | -7.7% |
| Hawaii | $1,168 | -$460 | -28.3% |
| Idaho | $1,100 | -$528 | -32.4% |
| Illinois | $1,212 | -$416 | -25.6% |
| Indiana | $1,224 | -$404 | -24.8% |
| Iowa | $1,100 | -$528 | -32.4% |
| Kansas | $1,544 | -$84 | -5.2% |
| Kentucky | $2,216 | $588 | 36.1% |
| Louisiana | $2,408 | $780 | 47.9% |
| Maine | $1,000 | -$628 | -38.6% |
| Maryland | $1,342 | -$286 | -17.6% |
| Massachusetts | $1,298 | -$330 | -20.3% |
| Michigan | $2,822 | $1,194 | 73.3% |
| Minnesota | $1,362 | -$266 | -16.3% |
| Mississippi | $1,948 | $320 | 19.7% |
| Missouri | $1,442 | -$186 | -11.4% |
| Montana | $1,746 | $118 | 7.2% |
| Nebraska | $1,280 | -$348 | -21.4% |
| Nevada | $1,950 | $322 | 19.8% |
| New Hampshire | $1,172 | -$456 | -28.0% |
| New Jersey | $1,816 | $188 | 11.5% |
| New Mexico | $1,440 | -$188 | -11.5% |
| New York | $1,712 | $84 | 5.2% |
| North Carolina | $936 | -$692 | -42.5% |
| North Dakota | $1,332 | -$296 | -18.2% |
| Ohio | $1,124 | -$504 | -31.0% |
| Oklahoma | $1,668 | $40 | 2.5% |
| Oregon | $1,492 | -$136 | -8.4% |
| Pennsylvania | $1,550 | -$78 | -4.8% |
| Rhode Island | $2,168 | $540 | 33.2% |
| South Carolina | $1,474 | -$154 | -9.5% |
| South Dakota | $1,372 | -$256 | -15.7% |
| Tennessee | $1,424 | -$204 | -12.5% |
| Texas | $1,958 | $330 | 20.3% |
| Utah | $1,202 | -$426 | -26.2% |
| Vermont | $1,110 | -$518 | -31.8% |
| Virginia | $976 | -$652 | -40.0% |
| Washington | $1,256 | -$372 | -22.9% |
| West Virginia | $1,492 | -$136 | -8.4% |
| Wisconsin | $1,124 | -$504 | -31.0% |
| Wyoming | $1,446 | -$182 | -11.2% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Wagoneer | $438 | $840 | $258 | $1,646 |
| 2023 Jeep Wagoneer | $420 | $834 | $264 | $1,628 |
| 2022 Jeep Wagoneer | $406 | $814 | $274 | $1,604 |
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 Shop for the Best Cheap Jeep Wagoneer Insurance
Getting lower rates on insurance for a Jeep Wagoneer not only requires having a good driving record, but also having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around at every policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a quick review of the data touched on above.
- Insureds who may need increased levels of liability coverage will pay around $290 every year to go from a low limit to a 250/500 level
- You may be able to save up to $210 per year just by shopping early and online
- Increasing physical damage deductibles could save as much as $850 each year
- Drivers age 20 and younger are expensive to insure, costing up to $469 a month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,628 |
| 20 | $3,754 |
| 30 | $1,730 |
| 40 | $1,628 |
| 50 | $1,480 |
| 60 | $1,454 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,182 |
| $250 | $1,924 |
| $500 | $1,628 |
| $1,000 | $1,342 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,628 |
| 50/100 | $1,681 |
| 100/300 | $1,747 |
| 250/500 | $1,918 |
| 100 CSL | $1,707 |
| 300 CSL | $1,852 |
| 500 CSL | $1,958 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,146 |
| 20 | $5,980 |
| 30 | $3,646 |
| 40 | $3,530 |
| 50 | $3,364 |
| 60 | $3,336 |
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 | $91 |
| Multi-vehicle | $84 |
| Homeowner | $20 |
| 5-yr Accident Free | $137 |
| 5-yr Claim Free | $109 |
| Paid in Full/EFT | $87 |
| Advance Quote | $88 |
| Online Quote | $121 |
| Total Discounts | $737 |
Discounts are estimated and may not be available from every company or in every state.
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