Jeep Wrangler Auto Insurance (2024)
Jeep Wrangler insurance rates cost $105 per month ($1,256 per year) on average. You can find cheap Jeep Wrangler insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $738 a year.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Key takeaways:
- Full coverage costs around $1,256 a year or $105 each month
- A liability-only policy costs around $503 a year or $42 each month
- Highest rates are for teenage drivers at around $4,591 a year or $383 each month
- Good drivers can save as much as $518 a year by earning policy discounts
- Jeep Wrangler insurance costs around $263 less per year than the average vehicle
Jeep Wrangler insurance rates are $263 cheaper than the average vehicle. Full coverage rates are $105 per month, while liability-only coverage costs $42 per month. You can save $518 a year on policy discounts if you’re a good driver. Continue reading to learn more about cheap Jeep Wrangler insurance rates.
You can start comparing quotes for Jeep Wrangler auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Jeep Wrangler Insurance Cost
The average Jeep Wrangler auto insurance costs are $1,256 a year or $105 a month.
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Are Jeep Wranglers Expensive to Insure?
The chart below details how Jeep Wrangler insurance rates compare to other SUVs like the Subaru Forester, Jeep Cherokee, and Jeep Compass.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Jeep Wrangler | $280 | $376 | $420 | $1,256 |
| Subaru Forester | $346 | $512 | $332 | $1,326 |
| Jeep Cherokee | $348 | $626 | $466 | $1,640 |
| Jeep Compass | $294 | $500 | $372 | $1,324 |
| Mercedes-Benz GLA 250 | $370 | $714 | $450 | $1,714 |
| Audi Q3 | $344 | $686 | $398 | $1,586 |
| GMC Terrain | $322 | $562 | $316 | $1,336 |
However, there are a few things you can do to find the cheapest Jeep insurance rates online.
What Impacts the Cost of Jeep Wrangler Insurance?
The Jeep Wrangler trim and model you choose can impact the total price you will pay for Jeep Wrangler auto insurance coverage.
Age of the Vehicle
The average Jeep Wrangler auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Jeep Wrangler are $1,256, while the 2010 Jeep Wrangler rates are $1,102, a difference of $154.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Jeep Wrangler | $280 | $376 | $420 | $1,256 |
| 2019 Jeep Wrangler | $268 | $362 | $440 | $1,250 |
| 2018 Jeep Wrangler | $256 | $358 | $450 | $1,244 |
| 2017 Jeep Wrangler | $248 | $350 | $470 | $1,248 |
| 2016 Jeep Wrangler | $240 | $336 | $486 | $1,242 |
| 2015 Jeep Wrangler | $226 | $324 | $500 | $1,230 |
| 2014 Jeep Wrangler | $218 | $300 | $510 | $1,208 |
| 2013 Jeep Wrangler | $208 | $282 | $514 | $1,184 |
| 2012 Jeep Wrangler | $200 | $254 | $520 | $1,154 |
| 2011 Jeep Wrangler | $188 | $234 | $520 | $1,122 |
| 2010 Jeep Wrangler | $180 | $218 | $524 | $1,102 |
Driver Age
Driver age can have a significant effect on the cost of Jeep Wrangler auto insurance. For example, a 20-year-old driver could pay around $128 more each month for their Jeep Wrangler auto insurance than a 30-year-old driver.
Driver Location
Where you live can have a large impact on Jeep Wrangler insurance rates. For example, drivers in Los Angeles may pay $180 a year more than drivers in Houston.
Your Driving Record
Your driving record can have an impact on the cost of Jeep Wrangler auto insurance. Teens and drivers in their 20’s see the highest jump in their Jeep Wrangler auto insurance rates with violations on their driving record.
Jeep Wrangler Safety Ratings
The Jeep Wrangler’s safety ratings will affect your Jeep Wrangler auto insurance rates. See the chart below:
| Test Type | Rating |
| Small overlap front: driver-side | Marginal |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Jeep Wrangler Crash Test Ratings
Jeep Wrangler crash test ratings will affect your Jeep Wrangler auto insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Jeep Wrangler Unlimited SUV 4WD | N/R | 4 stars | N/R | 3 stars |
| 2020 Jeep Wrangler Unlimited DIESEL SUV 4WD | N/R | N/R | N/R | 3 stars |
| 2020 Jeep Wrangler SUV 4WD | N/R | 4 stars | N/R | 3 stars |
| 2019 Jeep Wrangler Unlimited 4 DR 4WD | N/R | 4 stars | N/R | 3 stars |
| 2019 Jeep Wrangler 2 DR 4WD | N/R | N/R | N/R | N/R |
| 2018 Jeep Wrangler Unlimited JK 4 DR 4WD Early release | N/R | 3 stars | N/R | 3 stars |
| 2018 Jeep Wrangler Unlimited 4 DR 4WD Later Release | N/R | N/R | N/R | 3 stars |
| 2018 Jeep Wrangler JK 2 DR 4WD Early release | N/R | N/R | N/R | 3 stars |
| 2018 Jeep Wrangler 2 DR 4WD Later Release | N/R | N/R | N/R | 3 stars |
| 2017 Jeep Wrangler Unlimited 4 DR 4WD | N/R | 3 stars | N/R | 3 stars |
| 2017 Jeep Wrangler 2 DR 4WD | N/R | N/R | N/R | 3 stars |
| 2016 Jeep Wrangler 4DR 4WD | N/R | N/R | N/R | 3 stars |
| 2016 Jeep Wrangler 2DR 4WD | N/R | N/R | N/R | 3 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Jeep Wrangler Safety Features
The Jeep Wrangler safety features can help lower insurance costs. According to AutoBlog, the 2020 Jeep Wrangler has the following safety features:
- Driver Air Bag
- Passenger Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Rollover Protection System
- Front Tow Hooks
- Traction Control
Jeep Wrangler Insurance Loss Probability
The Jeep Wrangler’s insurance loss probability varies for each form of coverage. The lower percentage means lower Jeep Wrangler auto insurance rates; higher percentages mean higher Jeep Wrangler auto insurance rates.
| Insurance Coverage Category | Loss Rate |
| Collision | -46% |
|---|---|
| Property Damage | 34% |
| Comprehensive | -29% |
| Personal Injury | -43% |
| Medical Payment | -48% |
| Bodily Injury | 2% |
| Source: Insurance Institute for Highway Safety | |
Jeep Wrangler Finance and Insurance Cost
If you are financing a Jeep Wrangler, you will pay more if you purchase Jeep Wrangler auto insurance at the dealership, so be sure to shop around and compare Jeep Wrangler auto insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Jeep Wrangler Insurance
Save more on your Jeep Wrangler auto insurance rates. Take a look at the following five strategies that will get you the best Jeep Wrangler auto insurance rates possible.
- Check Reviews and State Complaints Before You Choose an Insurer
- Wait Six Years for Accidents to Disappear from Your Record
- Reduce Your Coverage on an Older Jeep Wrangler
- Take Advantage of Referral Fees
- Don’t Assume your Jeep Wrangler is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
Top Jeep Wrangler Insurance Companies
Who is the top auto insurance company for Jeep Wrangler insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Jeep Wrangler auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Jeep Wrangler offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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Frequently Asked Questions
How much does Jeep Wrangler auto insurance typically cost?
The cost of Jeep Wrangler auto insurance can vary based on several factors, including your location, driving history, age, coverage options, and the specific model and trim of your Jeep Wrangler. It’s recommended to request quotes from different insurance providers to get an accurate idea of the cost.
Is auto insurance mandatory for Jeep Wrangler owners?
Yes, auto insurance is generally mandatory for all vehicle owners, including Jeep Wrangler owners. The specific requirements may vary depending on your country or state, but liability insurance coverage is typically required at the minimum.
What type of insurance coverage do I need for my Jeep Wrangler?
While the specific coverage needs may vary based on your personal circumstances, it’s generally recommended to have at least liability insurance, which covers damages or injuries you may cause to others. Additionally, comprehensive and collision coverage are common options that can help protect your Jeep Wrangler from theft, vandalism, accidents, and other types of damage.
Are Jeep Wranglers expensive to insure compared to other vehicles?
The insurance rates for Jeep Wranglers can vary depending on factors such as the model, trim, and safety features. Generally, Jeep Wranglers may have slightly higher insurance rates compared to some other vehicles due to factors like their off-road capabilities and potential for higher repair costs. However, it’s always advisable to compare insurance quotes from different providers to find the best rates for your specific situation.
Are there any discounts available for Jeep Wrangler auto insurance?
Many insurance providers offer discounts that may be applicable to Jeep Wrangler owners. Common discounts include safe driver discounts, multi-policy discounts (if you have multiple insurance policies with the same provider), and vehicle safety feature discounts (such as anti-theft devices or advanced safety systems). It’s recommended to inquire about available discounts when obtaining insurance quotes.
Are modifications to my Jeep Wrangler covered by auto insurance?
Modifications made to your Jeep Wrangler, such as lift kits, aftermarket parts, or performance enhancements, may not be automatically covered by standard auto insurance policies. It’s essential to inform your insurance provider about any modifications and discuss the coverage options available to adequately protect your modified Jeep Wrangler.
Can I get specialized insurance for off-roading with my Jeep Wrangler?
Yes, some insurance companies offer specialized insurance coverage specifically designed for off-roading vehicles like the Jeep Wrangler. These policies may provide additional coverage for off-road accidents, trail damage, and towing expenses. If you plan to use your Jeep Wrangler for off-roading activities, it’s recommended to inquire about specialized insurance options.
What steps can I take to lower my Jeep Wrangler insurance premiums?
There are several steps you can take to potentially lower your Jeep Wrangler insurance premiums. These include maintaining a clean driving record, bundling multiple policies with the same provider, increasing your deductibles, taking advantage of available discounts, installing anti-theft devices, and considering usage-based insurance programs that reward safe driving habits.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.