Jeep Wrangler Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 23, 2022

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How much is insurance on a Jeep Wrangler? While this answer will depend on the vehicle year, such as whether you are looking for 2017, 2007, or 2005 Jeep Wrangler insurance costs, the average Jeep Wrangler insurance rates are $104 per month or $1,256 annually.

Is insurance on a Jeep Wrangler expensive compared to other SUVs on the market? Fortunately, this reliable vehicle proves to cost less to insure than other similar vehicles. If you are looking for cheap car insurance, we can help. Read through our complete guide to see how your Jeep insurance rates are impacted by your driver demographics, the Jeep Wrangler safety and crash test ratings, as well as insurance loss probability details.

Ready to learn what you can do to save on your Jeep Wrangler car insurance rates? To start finding affordable Jeep car insurance prices right now, simply enter your ZIP code into our free quote tool above.

Average insurance rates for a Jeep Wrangler are $1,244 a year for full coverage. Comprehensive costs on average $256 a year, collision costs $358, and liability insurance costs $450. A liability-only policy costs as little as $518 a year, with high-risk insurance costing around $2,660. Teen drivers receive the highest rates at $4,764 a year or more.

Average premium for full coverage: $1,244

Rate estimates by individual coverage type:

Comprehensive $256
Collision $358
Liability $450

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Wrangler trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $518 for only liability insurance to a high of $2,660 for a high risk driver.

Liability Only $518
Full Coverage $1,244
High Risk $2,660

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $933
Small Cities $1,306
Large Cities $1,679

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.

Insurance Rate Analysis

The chart below shows estimated Jeep Wrangler insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $747
  • Drivers who choose higher $1,000 deductibles will pay around $1,106 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,244
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,512
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,660 or more
  • The cost for full coverage for a teen driver may cost $4,764 a year

View Chart as Image

Jeep Wrangler insurance cost comparison chart
Column chart showing full coverage Jeep Wrangler insurance rates range from $747 to $4,764

for a Jeep Wrangler can also vary considerably based on your driver profile, the trim level of your Wrangler, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,700 a year. View Rates by Age

Where you live makes a big difference in Jeep Wrangler insurance rates. A 40-year-old driver could pay as low as $820 a year in states like Idaho, Maine, and Iowa, or as much as $1,780 on average in Michigan, Louisiana, and New York.

Jeep Wrangler Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,126 -$118 -9.5%
Alaska $954 -$290 -23.3%
Arizona $1,034 -$210 -16.9%
Arkansas $1,244 -$0 0.0%
California $1,418 $174 14.0%
Colorado $1,188 -$56 -4.5%
Connecticut $1,278 $34 2.7%
Delaware $1,410 $166 13.3%
Florida $1,556 $312 25.1%
Georgia $1,150 -$94 -7.6%
Hawaii $894 -$350 -28.1%
Idaho $844 -$400 -32.2%
Illinois $928 -$316 -25.4%
Indiana $940 -$304 -24.4%
Iowa $840 -$404 -32.5%
Kansas $1,182 -$62 -5.0%
Kentucky $1,696 $452 36.3%
Louisiana $1,842 $598 48.1%
Maine $770 -$474 -38.1%
Maryland $1,028 -$216 -17.4%
Massachusetts $994 -$250 -20.1%
Michigan $2,160 $916 73.6%
Minnesota $1,042 -$202 -16.2%
Mississippi $1,494 $250 20.1%
Missouri $1,104 -$140 -11.3%
Montana $1,338 $94 7.6%
Nebraska $980 -$264 -21.2%
Nevada $1,494 $250 20.1%
New Hampshire $896 -$348 -28.0%
New Jersey $1,392 $148 11.9%
New Mexico $1,102 -$142 -11.4%
New York $1,312 $68 5.5%
North Carolina $718 -$526 -42.3%
North Dakota $1,020 -$224 -18.0%
Ohio $860 -$384 -30.9%
Oklahoma $1,278 $34 2.7%
Oregon $1,140 -$104 -8.4%
Pennsylvania $1,186 -$58 -4.7%
Rhode Island $1,660 $416 33.4%
South Carolina $1,128 -$116 -9.3%
South Dakota $1,050 -$194 -15.6%
Tennessee $1,088 -$156 -12.5%
Texas $1,500 $256 20.6%
Utah $922 -$322 -25.9%
Vermont $852 -$392 -31.5%
Virginia $744 -$500 -40.2%
Washington $960 -$284 -22.8%
West Virginia $1,142 -$102 -8.2%
Wisconsin $862 -$382 -30.7%
Wyoming $1,110 -$134 -10.8%

View Chart as Image

Jeep Wrangler insurance rates by U.S. city

Choosing high deductibles could save up to $410 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $448 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,400 to $2,000 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 125% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Jeep Wrangler Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Jeep Wrangler $256 $358 $450 $1,244
2018 Jeep Wrangler $240 $336 $486 $1,242
2017 Jeep Wrangler $226 $324 $500 $1,230
2016 Jeep Wrangler $218 $300 $510 $1,208
2015 Jeep Wrangler $208 $282 $514 $1,184
2013 Jeep Wrangler $188 $234 $520 $1,122
2012 Jeep Wrangler $180 $218 $524 $1,102
2011 Jeep Wrangler $176 $204 $534 $1,094
2010 Jeep Wrangler $164 $190 $534 $1,068
2009 Jeep Wrangler $158 $172 $540 $1,050
2008 Jeep Wrangler $148 $158 $534 $1,020
2007 Jeep Wrangler $140 $142 $534 $996
2005 Jeep Wrangler $132 $126 $520 $958
2004 Jeep Wrangler $130 $120 $510 $940
2003 Jeep Wrangler $120 $114 $504 $918
2002 Jeep Wrangler $116 $108 $500 $904

Rates are averaged for all Jeep Wrangler 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 Cheaper Jeep Wrangler Insurance

Saving money on Jeep Wrangler insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $400 each year
  • Drivers can save as much as $140 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $500 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $397 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,420 more each year for insurance

How much does Jeep Wrangler insurance cost?

How much is car insurance for a 2020 Jeep Wrangler? That will likely cost your around $1,256 per year. However, many factors impact your rates, such as driver age and experience. So, how much is insurance on a Jeep Wrangler for a 16-year-old? That annual total is more like $6,694 per year.

How much does Jeep Wrangler insurance cost for an 18-year-old? Most 18-year-olds will pays $5,622 per year for car insurance. However, the good news is that as long as you maintain a clean driving record, teenager Jeep Wrangler insurance decreases by about 8 percent per year until the driver is 20 years old. 

You might be wondering, do Jeep Wranglers have a lot of problems? According to the National Highway Traffic Safety Administration (NHTSA), steering wheel problems and airbag problems were the most common issues found in the Wrangler. The Jeep Wrangler also had a major recall at one point specifically for airbags.

The best Jeep Wrangler car insurance company will provide you with competitive rates without compromising your coverage. Is State Farm insurance for a Jeep Wrangler available? Yes, State Farm offers Jeep Wrangler car insurance. The company covers all personal vehicle types.

Is it expensive to insure a Jeep Wrangler? Not usually, the Jeep Wrangler proves to be a reliable and low-cost SUV to insure. If you have a poor driving record, your rates might be higher than average. Fortunately, shopping around for insurance quotes for a Jeep Wrangler will help you save money in the long run.

So if you want to find 2018 or 2016 Jeep Wrangler insurance costs or even insurance for a 2013 Jeep Wrangler, start by getting quotes by entering your five-digit ZIP code into our free tool below.

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What are the Jeep Wrangler safety ratings?

How much does average insurance cost for a Jeep Wrangler? Your jeep insurance costs will depend partially on the safety features and ratings of your vehicle. Luckily, the Jeep Wrangler has some great safety features including airbags, brake assist, rollover protection system, traction control, and more.

The Insurance Institute for Highway Safety (IIHS) gave the 2020 Jeep Wrangler the following safety ratings:

  • Small overlap front (driver-side): Marginal
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

Good is the highest rating given by the IHS, so most of the safety ratings for the Jeep Wrangler are excellent. While a marginal small overlap front test result is not ideal, you should not actually see any substantial increases in your insurance rates. 

What are the Jeep Wrangler crash test ratings?

The Jeep Wrangler crash test ratings will also affect your car insurance rates. Take a look at the table below to see how different model years of the Jeep Wrangler have performed during crash tests performed by the National Highway Traffic Safety Administration

Jeep Wrangler Crash Test Ratings
Vehicle Make and ModelOverall Crash Test RatingsFrontal Crash Test RatingsSide Crash Test RatingsRollover Crash Test Ratings
2020 Jeep Wrangler Unlimited SUV 4WDN/R4 starsN/R3 stars
2020 Jeep Wrangler Unlimited DIESEL SUV 4WDN/RN/RN/R3 stars
2020 Jeep Wrangler SUV 4WDN/R4 starsN/R3 stars
2019 Jeep Wrangler Unlimited 4 DR 4WDN/R4 starsN/R3 stars
2019 Jeep Wrangler 2 DR 4WDN/RN/RN/RN/R
2018 Jeep Wrangler Unlimited JK 4 DR 4WD Early releaseN/R3 starsN/R3 stars
2018 Jeep Wrangler Unlimited 4 DR 4WD Later ReleaseN/RN/RN/R3 stars
2018 Jeep Wrangler JK 2 DR 4WD Early releaseN/RN/RN/R3 stars
2018 Jeep Wrangler 2 DR 4WD Later ReleaseN/RN/RN/R3 stars
2017 Jeep Wrangler Unlimited 4 DR 4WDN/R3 starsN/R3 stars
2017 Jeep Wrangler 2 DR 4WDN/RN/RN/R3 stars
2016 Jeep Wrangler 4DR 4WDN/RN/RN/R3 stars
2016 Jeep Wrangler 2DR 4WDN/RN/RN/R3 stars
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Overall, the Jeep Wrangler’s crash test ratings could use improvement. However, the scores still fall within the average range for an SUV. 

As you can see, depending on your Jeep’s model year and trim level, your vehicle could have better or worse crash test results. For example, the Jeep Wrangler Unlimited insurance cost will be a little higher as it only scored 3 stars in the rollover test.

Our professional advice is to always check the crash test and safety details for your specific Jeep Wrangler model to ensure the most accuracy. 

What are the Jeep Wrangler insurance loss probability ratios?

Understanding the Jeep Wrangler insurance loss probability ratios will help you estimate your potential car insurance costs. A lower insurance loss probability means you will have lower Jeep Wrangler insurance rates, while a higher loss probability means you will have higher insurance rates.

See the details of the 2020 Jeep Wrangler insurance loss probability ratios in the table below. 

Jeep Wrangler Insurance Loss Rates
Insurance Coverage CategoriesLoss Rates
Collision-46%
Property Damage34%
Comprehensive-29%
Personal Injury-43%
Medical Payment-48%
Bodily Injury2%
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Wondering how much is the average liability insurance for a Jeep Wrangler? Liability insurance will be pricy if the Jeep Wrangler, a mid-size SUV, has poor liability losses. Unfortunately, the IIHS rated the property damage liability losses for the four-door Jeep Wrangler as substantially worse than average.

While the property damage loss ratio for the Jeep Wrangler is substantially worse than average, this SUV fares well in every other category. Overall, these numbers help keep your car insurance rates low and will help balance out the pricier liability rates. 

Read on to see how the Jeep Wrangler’s rates compare to other vehicles.

Should you compare the Jeep Wrangler against other vehicles in the same car class?

Comparing the Jeep Wrangler to other similar vehicles in the same car class can help you determine if this type of car really is the right match for you and your needs. 

Officially, the Jeep Wrangler is considered to be a midsize SUV.

To see how Jeep Wrangler insurance rates compare to other midsize SUVs, take a look at the SUVs below.

You are now an expert on securing affordable Jeep Wrangler car insurance. Whether you are looking for Jeep Rubicon insurance rates or car insurance for a Jeep Wrangler Unlimited, remember that getting multiple quotes is one of the best ways to save.

Are you ready to buy Jeep Wrangler car insurance? Simply enter your ZIP code in our free online quote tool to find cheap Jeep Wrangler car insurance quotes from multiple insurance companies near you.

References:

  1. https://www.iihs.org/ratings/vehicle/Jeep/wrangler-4-door-suv/2020
  2. https://www.nhtsa.gov/vehicle/2020/JEEP/WRANGLER

Rates by Driver Age

Jeep Wrangler Insurance Rates by Driver Age
Driver Age Premium
16 $4,764
20 $2,832
30 $1,284
40 $1,244
50 $1,140
60 $1,116

Full coverage, $500 deductibles

Rates by Deductible

Jeep Wrangler Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,512
$250 $1,390
$500 $1,244
$1,000 $1,106

Full coverage, driver age 40

Rates by Liability Limit

Jeep Wrangler Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,244
50/100 $1,480
100/300 $1,604
250/500 $1,928
100 CSL $1,529
300 CSL $1,803
500 CSL $2,003

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Wrangler Insurance Rates for High Risk Drivers
Age Premium
16 $6,742
20 $4,492
30 $2,702
40 $2,660
50 $2,538
60 $2,512

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 $164

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $64
Homeowner $20
5-yr Accident Free $81
5-yr Claim Free $77
Paid in Full/EFT $50
Advance Quote $56
Online Quote $85
Total Discounts $497
Rate after discounts $747

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

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