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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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UPDATED: Apr 9, 2020

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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 insurance rates for a Jeep Wrangler are $1,250 a year with full coverage. Comprehensive costs around $268 each year, collision insurance costs $362, and liability insurance costs $440. A liability-only policy costs as little as $510 a year, and high-risk insurance costs around $2,662. Teens cost the most to insure at up to $4,744 a year.

Average premium for full coverage: $1,250

Policy rates for type of insurance:

Comprehensive $268
Collision $362
Liability $440

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 $510 for the bare minimum liability coverage to a high rate of $2,662 for a high-risk insurance policy.

Liability Only $510
Full Coverage $1,250
High Risk $2,662

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 $938
Small Cities $1,313
Large Cities $1,688

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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 $751
  • Drivers who choose higher $1,000 deductibles will pay about $144 annually
  • The estimated price for a good driver age 40 using $500 deductibles is $1,250
  • Selecting low deductibles for comprehensive and collision insurance bumps up the cost to $1,520
  • High risk drivers with serious driving violations could pay at least $2,662
  • Policy cost that insures a teen driver can be $4,744 a year

View Chart as Image

Jeep Wrangler insurance cost comparison chart
Column chart showing Jeep Wrangler insurance rates range from $751 to $4,744 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 $2,000 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 125% 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 $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $4,700 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 $900 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,690 on average in Florida, Michigan, and New York.

Jeep Wrangler Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,128 -$122 -9.8%
Alaska $958 -$292 -23.4%
Arizona $1,038 -$212 -17.0%
Arkansas $1,250 -$0 0.0%
California $1,422 $172 13.8%
Colorado $1,192 -$58 -4.6%
Connecticut $1,282 $32 2.6%
Delaware $1,412 $162 13.0%
Florida $1,562 $312 25.0%
Georgia $1,154 -$96 -7.7%
Hawaii $896 -$354 -28.3%
Idaho $846 -$404 -32.3%
Illinois $930 -$320 -25.6%
Indiana $942 -$308 -24.6%
Iowa $842 -$408 -32.6%
Kansas $1,186 -$64 -5.1%
Kentucky $1,700 $450 36.0%
Louisiana $1,848 $598 47.8%
Maine $770 -$480 -38.4%
Maryland $1,030 -$220 -17.6%
Massachusetts $996 -$254 -20.3%
Michigan $2,168 $918 73.4%
Minnesota $1,044 -$206 -16.5%
Mississippi $1,496 $246 19.7%
Missouri $1,108 -$142 -11.4%
Montana $1,342 $92 7.4%
Nebraska $984 -$266 -21.3%
Nevada $1,498 $248 19.8%
New Hampshire $900 -$350 -28.0%
New Jersey $1,396 $146 11.7%
New Mexico $1,104 -$146 -11.7%
New York $1,316 $66 5.3%
North Carolina $720 -$530 -42.4%
North Dakota $1,022 -$228 -18.2%
Ohio $862 -$388 -31.0%
Oklahoma $1,280 $30 2.4%
Oregon $1,146 -$104 -8.3%
Pennsylvania $1,190 -$60 -4.8%
Rhode Island $1,666 $416 33.3%
South Carolina $1,132 -$118 -9.4%
South Dakota $1,054 -$196 -15.7%
Tennessee $1,092 -$158 -12.6%
Texas $1,504 $254 20.3%
Utah $924 -$326 -26.1%
Vermont $854 -$396 -31.7%
Virginia $746 -$504 -40.3%
Washington $962 -$288 -23.0%
West Virginia $1,146 -$104 -8.3%
Wisconsin $864 -$386 -30.9%
Wyoming $1,112 -$138 -11.0%

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 $439 extra every 12 months. View Rates by Deductible or Liability Limit

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 $268 $362 $440 $1,250
2019 Jeep Wrangler $256 $358 $450 $1,244
2018 Jeep Wrangler $248 $350 $470 $1,248
2017 Jeep Wrangler $240 $336 $486 $1,242
2016 Jeep Wrangler $226 $324 $500 $1,230
2015 Jeep Wrangler $218 $300 $510 $1,208
2014 Jeep Wrangler $208 $282 $514 $1,184
2013 Jeep Wrangler $200 $254 $520 $1,154
2012 Jeep Wrangler $188 $234 $520 $1,122
2011 Jeep Wrangler $180 $218 $524 $1,102
2010 Jeep Wrangler $176 $204 $534 $1,094
2009 Jeep Wrangler $164 $190 $534 $1,068
2008 Jeep Wrangler $158 $172 $540 $1,050
2007 Jeep Wrangler $148 $158 $534 $1,020
2006 Jeep Wrangler $140 $142 $534 $996
2005 Jeep Wrangler $134 $128 $530 $972
2004 Jeep Wrangler $132 $126 $520 $958
2003 Jeep Wrangler $130 $120 $510 $940
2002 Jeep Wrangler $120 $114 $504 $918
2001 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 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 $1,410 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 $425 each year
  • Drivers who may need increased levels of liability coverage will pay approximately $480 every year to go from a 30/60 limit to the 250/500 level

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 $4,744
20 $2,830
30 $1,288
40 $1,250
50 $1,142
60 $1,118

Full coverage, $500 deductibles

Rates by Deductible

Jeep Wrangler Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,520
$250 $1,396
$500 $1,250
$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 $1,250
50/100 $1,484
100/300 $1,606
250/500 $1,923
100 CSL $1,532
300 CSL $1,801
500 CSL $1,996

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Wrangler Insurance Rates for High Risk Drivers
Age Premium
16 $6,716
20 $4,488
30 $2,704
40 $2,662
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 $163

Potential Rate Discounts

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

Discount Savings
Multi-policy $64
Multi-vehicle $63
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $78
Paid in Full/EFT $50
Advance Quote $56
Online Quote $86
Total Discounts $499
Rate after discounts $751

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

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