Jeep Wagoneer Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Mar 28, 2024
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The average insurance rates for a Jeep Wagoneer are $1,628 a year for full coverage. Comprehensive insurance costs around $420 a year, collision costs $834, and liability costs around $264. Liability-only insurance costs as low as $312 a year, with high-risk driver insurance costing $3,530 or more. Teenage drivers cost the most to insure at $5,628 a year or more.
Average premium for full coverage: $1,628
Policy rates for type of insurance:
Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Wagoneer trim levels.
Price Range Variability
For the normal driver, Jeep Wagoneer insurance rates go from the low end price of $312 for the bare minimum liability coverage to a high of $3,530 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than densely populated cities.
The diagram below illustrates how geographic area affects auto insurance rates.
The examples above show why it is important to compare prices for a specific zip code, instead of making a decision based on average rates.
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.
Additional Rate Information
The chart below shows estimated Jeep Wagoneer insurance rates for additional coverage choices and driver risks.
- The best discount rate is $891
- Using higher $1,000 deductibles will save about $1,342 a year
- The estimated price for a good driver age 40 using $500 deductibles is $1,628
- Using low $100 deductibles for physical damage coverage will cost an additional $554 annually
- High-risk insureds who are prone to accidents and violations could pay at least $3,530 or more
- Policy cost that insures a 16-year-old driver can be $5,628 or more
Auto insurance rates for a Jeep Wagoneer also range considerably based on the trim level of your Wagoneer, how you drive, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you could be paying at least $1,900 to $2,600 in extra premium every year, depending on your age. A high-risk auto insurance policy can be from 46% to 131% more than a normal policy. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $5,600 a year. View Rates by Age
Your home state has a huge impact on Jeep Wagoneer insurance prices. A driver around age 40 might see rates as low as $1,070 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,320 on average in Michigan, Louisiana, 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% |
Using high physical damage deductibles could cut rates by as much as $840 annually, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $237 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know your exact price is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates will be varied.
| 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 Find the Right Jeep Wagoneer Insurance
Finding cheaper rates on insurance for a Jeep Wagoneer requires avoiding accidents and violations, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices at every other renewal by requesting rates from direct carriers, and also from several local insurance agents.
The list below is a quick rundown of the concepts that were presented in the illustrations above.
- Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,900 more every year for car insurance
- Teenagers are expensive to insure, costing up to $469 each month if the policy includes full coverage
- Drivers can save up to $210 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save approximately $850 each year
- Drivers can save up to $210 per year simply by quoting early and online
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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