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Jeep Wrangler Insurance Rates

Jeep Wrangler insurance

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.

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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 $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
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,128-$122-9.8%
Alaska$958-$292-23.4%
Arizona$1,038-$212-17.0%
Arkansas$1,250-$00.0%
California$1,422$17213.8%
Colorado$1,192-$58-4.6%
Connecticut$1,282$322.6%
Delaware$1,412$16213.0%
Florida$1,562$31225.0%
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$45036.0%
Louisiana$1,848$59847.8%
Maine$770-$480-38.4%
Maryland$1,030-$220-17.6%
Massachusetts$996-$254-20.3%
Michigan$2,168$91873.4%
Minnesota$1,044-$206-16.5%
Mississippi$1,496$24619.7%
Missouri$1,108-$142-11.4%
Montana$1,342$927.4%
Nebraska$984-$266-21.3%
Nevada$1,498$24819.8%
New Hampshire$900-$350-28.0%
New Jersey$1,396$14611.7%
New Mexico$1,104-$146-11.7%
New York$1,316$665.3%
North Carolina$720-$530-42.4%
North Dakota$1,022-$228-18.2%
Ohio$862-$388-31.0%
Oklahoma$1,280$302.4%
Oregon$1,146-$104-8.3%
Pennsylvania$1,190-$60-4.8%
Rhode Island$1,666$41633.3%
South Carolina$1,132-$118-9.4%
South Dakota$1,054-$196-15.7%
Tennessee$1,092-$158-12.6%
Texas$1,504$25420.3%
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 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$268$362$440$1,250
2017 Jeep Wrangler$256$358$450$1,244
2016 Jeep Wrangler$248$350$470$1,248
2015 Jeep Wrangler$240$336$486$1,242
2014 Jeep Wrangler$226$324$500$1,230
2013 Jeep Wrangler$218$300$510$1,208
2012 Jeep Wrangler$208$282$514$1,184
2011 Jeep Wrangler$200$254$520$1,154
2010 Jeep Wrangler$188$234$520$1,122
2009 Jeep Wrangler$180$218$524$1,102
2008 Jeep Wrangler$176$204$534$1,094
2007 Jeep Wrangler$164$190$534$1,068
2006 Jeep Wrangler$158$172$540$1,050
2005 Jeep Wrangler$148$158$534$1,020
2004 Jeep Wrangler$140$142$534$996
2003 Jeep Wrangler$134$128$530$972
2002 Jeep Wrangler$132$126$520$958
2001 Jeep Wrangler$130$120$510$940
2000 Jeep Wrangler$120$114$504$918
1999 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

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Rates by Driver Age

Jeep Wrangler Insurance Rates by Driver Age
Driver AgePremium
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
DeductiblePremium
$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 LimitPremium
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
AgePremium
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.

DiscountSavings
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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