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 auto insurance rates for a Jeep Wagoneer are $1,604 annually including full coverage. Comprehensive costs around $406, collision insurance costs $814, and liability costs $274. A policy with just liability insurance costs as little as $322 a year, and coverage for high-risk drivers costs around $3,484. Teens pay the highest rates at up to $5,580 a year.
Average premium for full coverage: $1,604
Price estimates for individual coverage:
Full coverage includes $500 deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Wagoneer trim levels.
Price Range from Low to High
For a 40-year-old driver, Jeep Wagoneer insurance prices range from as cheap as $322 for your basic liability-only policy to a much higher rate of $3,484 for a driver that may need high-risk insurance.
Geographic Price Range
Your location can make a big difference on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how your location can change auto insurance rates.
The ranges above highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.
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 breaks down average Jeep Wagoneer insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $877
- Drivers who choose higher $1,000 deductibles will pay about $278 every year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,604
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost $2,144
- Drivers with serious driving violations could pay at least $3,484
- The price with full coverage for a 16-year-old driver with full coverage can be $5,580 a year
Insurance prices for a Jeep Wagoneer are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.
An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay as much as $5,500 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at least $1,900 to $2,500 extra each year, depending on your age. High-risk driver insurance can cost from 45% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $820 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $246 more per year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Jeep Wagoneer insurance prices. A 40-year-old driver could pay as low as $1,230 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,290 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Buy More Affordable Jeep Wagoneer Insurance
Getting lower rates on insurance for a Jeep Wagoneer not only requires not taking risks behind the wheel, but also having a good credit history, being claim-free, and dropping full coverage on older vehicles. Invest the time to shop around once a year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following is a summary of the data that was illustrated above.
- You may be able to save up to $210 per year just by shopping early and online
- Insureds who may need higher liability limits will pay approximately $300 per year to go from a low limit to higher 250/500 limits
- Teens pay higher prices, possibly costing $465 a month including comprehensive and collision insurance
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,880 more every year for Wagoneer insurance
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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