Jeep Wrangler Insurance Rates

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 $1,248 a year with full coverage. Comprehensive costs an estimated $248 a year, collision insurance costs $350, and liability insurance is estimated at $470. Liability-only insurance costs approximately $536 a year, and high-risk driver insurance costs around $2,672. Teenage drivers cost the most to insure at up to $4,808 a year.

Average premium for full coverage: $1,248

Policy rates broken down by type of insurance:

Price estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Wrangler trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how location helps determine insurance prices.

The examples above demonstrate why it is important to get quotes for a targeted area and risk profile, rather than relying on average rates.

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

Rate Comparisons

The chart below details average Jeep Wrangler insurance rates for other coverage scenarios.

• The best discount rate is $749
• Choosing higher $1,000 deductibles can save approximately $1,110 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,248
• Using low $100 deductibles for comp and collision coverage will increase the cost to $1,508
• High-risk insureds who are prone to accidents and violations could pay up to $2,672
• Policy cost for full coverage for a teen driver can cost as much as $4,808 each year

View Chart as Image

Auto insurance rates for a Jeep Wrangler also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $4,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Jeep Wrangler insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,680 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $400 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,500 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 134% more than a normal policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2023 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.

How to Find Cheaper Jeep Wrangler Insurance

Finding cheaper rates on Jeep Wrangler insurance takes being a low-risk driver, having good credit, not filing small claims, and consideration of higher deductibles. Invest time comparing rates at every policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a condensed summary of the data covered in the charts and tables above.

• Drivers who want more liability coverage will pay an extra $520 every year to raise limits from a 30/60 limit to 250/500 limits
• You may be able to save approximately $140 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $400 each year
• Teen drivers are the costliest to insure, as much as $401 each month if they have full coverage

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.

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

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

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.

• Buick Enclave Insurance Rates
• Chevrolet Traverse Insurance Rates
• Dodge Journey Insurance Rates

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