Jeep Wagoneer Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated insurance rates for a Jeep Wagoneer are $1,628 a year including full coverage. Comprehensive costs on average $420 each year, collision costs $834, and liability is $264. Liability-only insurance costs around $312 a year, with high-risk driver insurance costing around $3,530. Teens pay the most at $5,628 a year or more.

Average premium for full coverage: $1,628

Premium estimates by type of coverage:

Comprehensive $420
Collision $834
Liability $264

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and Wagoneer models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Jeep Wagoneer go from as low as $312 for minimum levels of liability insurance to a high rate of $3,530 for a driver who has had serious violations or accidents.

Liability Only $312
Full Coverage $1,628
High Risk $3,530

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on car insurance rates.

Rural Areas $1,221
Small Cities $1,709
Large Cities $2,198

These rate differences highlight why all drivers should compare rates quotes based on a specific location and risk profile, 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.

Additional Rate Details

The chart below breaks down estimated Jeep Wagoneer insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $891
  • Raising to $1,000 deductibles will save around $286 every year
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,628
  • Selecting low deductibles will increase the cost to $2,182
  • Drivers with serious driving violations could pay upwards of $3,530 or more
  • An auto insurance policy for full coverage for a 16-year-old driver may cost $5,628

View Chart as Image

Jeep Wagoneer insurance cost comparison chart
Column chart showing full coverage Jeep Wagoneer insurance rates range from $891 to $5,628

Insurance prices for a Jeep Wagoneer also have a wide range based on your driving characteristics, the model of your Wagoneer, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $5,600 a year. View Rates by Age

Where you choose to live also has a big influence on Jeep Wagoneer insurance prices. A middle-age driver might find prices as low as $1,250 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,320 on average in Michigan, New York, and Louisiana.

Jeep Wagoneer Insurance Rates by State
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%

View Chart as Image

Jeep Wagoneer insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $840 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $237 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,900 to $2,600 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 46% to 131% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company calculates prices differently, and prices will be substantially different from one company to the next.

Jeep Wagoneer Insurance Rates by Model Year
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 More Affordable Jeep Wagoneer Insurance

Finding better rates on insurance for a Jeep Wagoneer consists of being a good driver, having a good credit history, refrain from filing small claims, and insuring your home and auto with the same company. Take the time to compare rates every other policy renewal by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a summary of the ideas that were covered in the above illustrations.

  • Drivers age 16 to 20 pay higher prices, with the cost nearing $469 per month including comprehensive and collision insurance
  • Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,900 more each year than a safer driver
  • Increasing policy deductibles can save around $850 each year
  • You may be able to save as much as $210 per year simply by quoting online in advance

Rates by Driver Age

Jeep Wagoneer Insurance 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

Jeep Wagoneer Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,182
$250 $1,924
$500 $1,628
$1,000 $1,342

Full coverage, driver age 40

Rates by Liability Limit

Jeep Wagoneer Insurance Rates with Different Liability Limits
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

Jeep Wagoneer Insurance 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.

SR-22 Surcharge $235

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
Rate after discounts $891

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

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