Jeep Wrangler Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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.

The average auto insurance rates for a Jeep Wrangler are $1,242 annually including full coverage. Comprehensive costs on average $240 a year, collision insurance costs $336, and liability is estimated at $486. A liability-only policy costs approximately $548 a year, and high-risk insurance costs around $2,654. 16-year-old drivers cost the most to insure at up to $4,812 a year.

Average premium for full coverage: $1,242

Policy rates by type of insurance:

Comprehensive $240
Collision $336
Liability $486

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Wrangler trim levels.

Price Range Variability

For the average 40-year-old driver, Jeep Wrangler insurance rates range from as cheap as $548 for minimum levels of liability insurance to a high of $2,654 for a driver required to buy high-risk insurance.

Liability Only $548
Full Coverage $1,242
High Risk $2,654

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities. The diagram below illustrates the difference location can make on car insurance rates.

Rural Areas $932
Small Cities $1,304
Large Cities $1,677

The examples above highlight why it is important to get quotes based on a specific location and their own personal driving habits, instead of using 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.

Additional Rate Details

The chart below breaks down average Jeep Wrangler insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $745
  • Choosing higher $1,000 deductibles can save around $1,110 every year
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,242
  • Buying low $100 deductibles for comp and collision coverage will cost $1,490
  • Unlucky drivers with multiple tickets or accidents could pay upwards of $2,654
  • Policy cost with full coverage for a teen driver may cost $4,812 each year

View Chart as Image

Jeep Wrangler insurance cost comparison chart
Column chart showing Jeep Wrangler insurance rates range from $745 to $4,812 for full coverage

Car insurance rates for a Jeep Wrangler also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $4,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 126% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $380 every year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Jeep Wrangler insurance prices. A good driver about age 40 could pay as low as $950 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,770 on average in Michigan, New York, and Louisiana.

Jeep Wrangler Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,118 -$124 -10.0%
Alaska $950 -$292 -23.5%
Arizona $1,028 -$214 -17.2%
Arkansas $1,242 -$0 0.0%
California $1,410 $168 13.5%
Colorado $1,182 -$60 -4.8%
Connecticut $1,272 $30 2.4%
Delaware $1,402 $160 12.9%
Florida $1,548 $306 24.6%
Georgia $1,144 -$98 -7.9%
Hawaii $888 -$354 -28.5%
Idaho $838 -$404 -32.5%
Illinois $922 -$320 -25.8%
Indiana $934 -$308 -24.8%
Iowa $836 -$406 -32.7%
Kansas $1,176 -$66 -5.3%
Kentucky $1,690 $448 36.1%
Louisiana $1,834 $592 47.7%
Maine $766 -$476 -38.3%
Maryland $1,022 -$220 -17.7%
Massachusetts $990 -$252 -20.3%
Michigan $2,150 $908 73.1%
Minnesota $1,036 -$206 -16.6%
Mississippi $1,486 $244 19.6%
Missouri $1,098 -$144 -11.6%
Montana $1,332 $90 7.2%
Nebraska $976 -$266 -21.4%
Nevada $1,486 $244 19.6%
New Hampshire $894 -$348 -28.0%
New Jersey $1,386 $144 11.6%
New Mexico $1,096 -$146 -11.8%
New York $1,304 $62 5.0%
North Carolina $714 -$528 -42.5%
North Dakota $1,016 -$226 -18.2%
Ohio $856 -$386 -31.1%
Oklahoma $1,272 $30 2.4%
Oregon $1,136 -$106 -8.5%
Pennsylvania $1,180 -$62 -5.0%
Rhode Island $1,650 $408 32.9%
South Carolina $1,124 -$118 -9.5%
South Dakota $1,046 -$196 -15.8%
Tennessee $1,084 -$158 -12.7%
Texas $1,492 $250 20.1%
Utah $914 -$328 -26.4%
Vermont $850 -$392 -31.6%
Virginia $740 -$502 -40.4%
Washington $954 -$288 -23.2%
West Virginia $1,136 -$106 -8.5%
Wisconsin $858 -$384 -30.9%
Wyoming $1,102 -$140 -11.3%

View Chart as Image

Jeep Wrangler insurance rates by U.S. city

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 $240 $336 $486 $1,242
2018 Jeep Wrangler $218 $300 $510 $1,208
2017 Jeep Wrangler $208 $282 $514 $1,184
2016 Jeep Wrangler $200 $254 $520 $1,154
2015 Jeep Wrangler $188 $234 $520 $1,122
2013 Jeep Wrangler $176 $204 $534 $1,094
2012 Jeep Wrangler $164 $190 $534 $1,068
2011 Jeep Wrangler $158 $172 $540 $1,050
2010 Jeep Wrangler $148 $158 $534 $1,020
2009 Jeep Wrangler $140 $142 $534 $996
2008 Jeep Wrangler $134 $128 $530 $972
2007 Jeep Wrangler $132 $126 $520 $958
2005 Jeep Wrangler $120 $114 $504 $918
2004 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 Buy the Best Jeep Wrangler Insurance

Finding cheaper rates on car insurance takes having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Make time to compare rates at every policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a brief recap of the data touched on in this article.

  • Policyholders who require additional liability coverage will pay around $540 per year to raise limits from a 30/60 limit to higher 250/500 limits
  • You may be able to save as much as $140 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles could save up to $375 each year
  • 16 to 18-year-old drivers are expensive to insure, with premiums being up to $401 each month if comprehensive and collision insurance is included

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

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
Property Damage34%
Personal Injury-43%
Medical Payment-48%
Bodily Injury2%

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.



Rates by Driver Age

Jeep Wrangler Insurance Rates by Driver Age
Driver Age Premium
16 $4,812
20 $2,824
30 $1,270
40 $1,242
50 $1,136
60 $1,110

Full coverage, $500 deductibles

Rates by Deductible

Jeep Wrangler Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,490
$250 $1,376
$500 $1,242
$1,000 $1,110

Full coverage, driver age 40

Rates by Liability Limit

Jeep Wrangler Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,242
50/100 $1,479
100/300 $1,613
250/500 $1,962
100 CSL $1,533
300 CSL $1,828
500 CSL $2,042

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Wrangler Insurance Rates for High Risk Drivers
Age Premium
16 $6,804
20 $4,488
30 $2,692
40 $2,654
50 $2,534
60 $2,510

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 $165

Potential Rate Discounts

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

Discount Savings
Multi-policy $64
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $80
5-yr Claim Free $78
Paid in Full/EFT $49
Advance Quote $56
Online Quote $85
Total Discounts $497
Rate after discounts $745

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

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