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Jeep Wrangler Insurance Rates

Jeep Wrangler insurance

The average insurance rates for a Jeep Wrangler are $1,192 a year with full coverage. Comprehensive costs around $266 each year, collision insurance costs $356, and liability insurance costs $400. A liability-only policy costs as little as $470 a year, and high-risk insurance costs around $2,538. Teens cost the most to insure at up to $4,492 a year.

Average premium for full coverage: $1,192

Policy rates for type of insurance:

Comprehensive $266
Collision $356
Liability $400

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Wrangler models.

Price Range Variability

For a driver around age 40, Jeep Wrangler insurance rates range from the low end price of $470 for the bare minimum liability coverage to a high rate of $2,538 for a high-risk insurance policy.

Liability Only $470
Full Coverage $1,192
High Risk $2,538

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $894
Small Cities $1,252
Large Cities $1,609

The examples above demonstrate why all drivers should compare rates for a specific zip code, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

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Additional Rate Information

The chart below details average Jeep Wrangler insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $717
  • Drivers who choose higher $1,000 deductibles will pay about $142 annually
  • The estimated price for a good driver age 40 using $500 deductibles is $1,192
  • Selecting low deductibles for comprehensive and collision insurance bumps up the cost to $1,462
  • High risk drivers with serious driving violations could pay at least $2,538
  • Policy cost that insures a teen driver can be $4,492 a year

View Chart as Image

Jeep Wrangler insurance cost comparison chart
Column chart showing Jeep Wrangler insurance rates range from $717 to $4,492 for full coverage

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

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 131% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $4,400 a year. View Rates by Age

Your home state makes a big difference in Jeep Wrangler insurance rates. A 40-year-old driver could pay as low as $960 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,790 on average in Florida, Michigan, and New York.

Jeep Wrangler Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,148-$44-3.7%
Alaska$980-$212-17.8%
Arizona$1,198$60.5%
Arkansas$1,212$201.7%
California$1,342$15012.6%
Colorado$1,240$484.0%
Connecticut$1,564$37231.2%
Delaware$1,452$26021.8%
Florida$1,612$42035.2%
Georgia$1,182-$10-0.8%
Hawaii$1,290$988.2%
Idaho$830-$362-30.4%
Illinois$886-$306-25.7%
Indiana$852-$340-28.5%
Iowa$896-$296-24.8%
Kansas$1,096-$96-8.1%
Kentucky$1,546$35429.7%
Louisiana$1,936$74462.4%
Maine$816-$376-31.5%
Maryland$1,230$383.2%
Massachusetts$1,050-$142-11.9%
Michigan$2,194$1,00284.1%
Minnesota$1,050-$142-11.9%
Mississippi$1,168-$24-2.0%
Missouri$1,018-$174-14.6%
Montana$1,082-$110-9.2%
Nebraska$984-$208-17.4%
Nevada$1,542$35029.4%
New Hampshire$974-$218-18.3%
New Jersey$1,190-$2-0.2%
New Mexico$1,108-$84-7.0%
New York$1,552$36030.2%
North Carolina$848-$344-28.9%
North Dakota$1,162-$30-2.5%
Ohio$842-$350-29.4%
Oklahoma$1,450$25821.6%
Oregon$1,116-$76-6.4%
Pennsylvania$1,344$15212.8%
Rhode Island$1,450$25821.6%
South Carolina$1,110-$82-6.9%
South Dakota$934-$258-21.6%
Tennessee$1,074-$118-9.9%
Texas$1,148-$44-3.7%
Utah$1,058-$134-11.2%
Vermont$850-$342-28.7%
Virginia$860-$332-27.9%
Washington$1,050-$142-11.9%
West Virginia$1,216$242.0%
Wisconsin$1,218$262.2%
Wyoming$1,318$12610.6%

View Chart as Image

Jeep Wrangler insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $420 each year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2018 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 YearComprehensiveCollisionLiabilityTotal Premium
2018 Jeep Wrangler$266$356$400$1,192
2017 Jeep Wrangler$254$344$418$1,186
2016 Jeep Wrangler$244$340$428$1,182
2015 Jeep Wrangler$236$332$446$1,184
2014 Jeep Wrangler$228$318$460$1,176
2013 Jeep Wrangler$214$308$474$1,166
2012 Jeep Wrangler$206$284$484$1,144
2011 Jeep Wrangler$198$268$488$1,124
2010 Jeep Wrangler$190$240$494$1,094
2009 Jeep Wrangler$178$222$494$1,064
2008 Jeep Wrangler$172$208$498$1,048
2007 Jeep Wrangler$168$194$508$1,040
2006 Jeep Wrangler$154$180$508$1,012
2005 Jeep Wrangler$150$164$512$996
2004 Jeep Wrangler$140$150$508$968
2003 Jeep Wrangler$132$136$508$946
2002 Jeep Wrangler$128$122$502$922
2001 Jeep Wrangler$126$118$494$908
2000 Jeep Wrangler$124$114$484$892
1999 Jeep Wrangler$114$108$480$872

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 Affordable Jeep Wrangler Insurance

Finding cheaper rates on Jeep Wrangler insurance not only requires having a good driving record, but also having a positive credit history, not filing small claims, and consideration of higher deductibles. Compare rates at least every other year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The next list is a brief review of the car insurance concepts covered above.

  • High-risk drivers with DUI or reckless driving convictions may pay on average $1,350 more every year to buy Jeep Wrangler insurance
  • You may be able to save up to $140 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles can save approximately $400 each year
  • Drivers who may need increased levels of liability coverage will pay approximately $440 every year to go from a 30/60 limit to the 250/500 level

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Rates by Driver Age

Jeep Wrangler Insurance Rates by Driver Age
Driver AgePremium
16$4,492
20$2,698
30$1,234
40$1,192
50$1,088
60$1,066

Full coverage, $500 deductibles

Rates by Deductible

Jeep Wrangler Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,462
$250$1,340
$500$1,192
$1,000$1,050

Full coverage, driver age 40

Rates by Liability Limit

Jeep Wrangler Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,192
50/100$1,410
100/300$1,521
250/500$1,808
100 CSL$1,455
300 CSL$1,698
500 CSL$1,875

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Wrangler Insurance Rates for High Risk Drivers
AgePremium
16$6,356
20$4,276
30$2,584
40$2,538
50$2,420
60$2,392

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 $155

Potential Rate Discounts

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

DiscountSavings
Multi-policy$61
Multi-vehicle$60
Homeowner$18
5-yr Accident Free$78
5-yr Claim Free$74
Paid in Full/EFT$48
Advance Quote$54
Online Quote$82
Total Discounts$475
Rate after discounts $717

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

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