Compare Rates for Jeep Wrangler Car Insurance Cost for 2022

Protecting your investment is as simple as choosing the right insurance for Jeep Wrangler. You have many options when it comes to insuring your Wrangler. Knowing the differences between the coverage types can help you make a decision.

The Wrangler has set the standard for off-road performance. But what about insurance? We compare insurance rates for the Sport to Rubicon 392 in order to determine how it compares to the rest. We surveyed auto quotes for seven years of Jeep Wrangler models and found that the average cost of Jeep Wrangler insurance was $1617 per annum. Geico had the lowest annual rate for Wrangler owners, at $1,393. Geico’s offer was 14% less than the average quote from all of the companies we surveyed.

  • Jeep Wrangler Insurance costs about $1,706 per year, $853 per 6-month policy, or $142/month.
  • Wrangler Sport 4WD drivers can get the lowest insurance rates at $1,294/year.
  • The Wrangler Rubicon392 has the highest rates at $1890/year.
  • The Wrangler is #40 in the small SUV Class for insurance affordability.

Contents

How much does Jeep Wrangler Insurance cost?

Jeep Wrangler car coverage costs $1,706 annually or $142 per monthly. A Jeep Wrangler insurance policy will cost you approximately $349 more per year than comparable vehicles and $183 less annually than the national all-vehicle average of $1,523.

This chart shows how Jeep Wrangler car insurer rates change with driver age and policy limits.

Jeep Wrangler insurance Rates

The above chart shows only a fraction of the possible Jeep Wrangler Insurance rates. The chart would have around 1,451,520,000,000 bar if it included all Wrangler models and all 41,000+ zip codes in the U.S. It’s possible that this would break the internet, so we will keep the bar at 15 bars.

To help you understand the huge range of Wrangler insurance prices, consider that a policy with liability coverage only in Virginia and Wisconsin might cost $245 per annum, while full coverage could cost $34,458 for a newly licensed teen driver who has committed a few driving violations in some ZIP codes in Detroit, MI.

The following table displays the average insurance costs for Jeep Wranglers for the model years 2013-2021.

Jeep Wrangler Insurance Cost for 2013-2021 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2013 Jeep Wrangler $1,180 $590 $98
2014 Jeep Wrangler $1,240 $620 $103
2015 Jeep Wrangler $1,308 $654 $109
2016 Jeep Wrangler $1,356 $678 $113
2017 Jeep Wrangler $1,496 $748 $125
2018 Jeep Wrangler $1,502 $751 $125
2019 Jeep Wrangler $1,588 $794 $132
2020 Jeep Wrangler $1,652 $826 $138
2021 Jeep Wrangler $1,706 $853 $142

The following are key data points regarding Jeep Wrangler car coverage:

  • It is a good idea to get your insurance rates lower than the average for older drivers. A Jeep Wrangler insurance rate difference between a 60-year old driver ($1,532/year) and a 30-year-old driver ($1,778/year) is $246. This represents a 13.8% savings.
  • Drive safely and you’ll save on insurance.
  • Improve credit score to save money. If a state has insurance regulations that permit a driver’s credit information as a rate-generating factor, then insureds with 800+ credit scores can potentially save up to $268 each year compared to those with 670-739 credit scores. Poor credit scores could lead to higher annual costs of up to $310
  • You can get a discount for your occupation. Nearly all auto insurance companies offer policy discounts to those who work in law enforcement, military, medical, and scientific fields. You may qualify for an occupational discount that could save you $51 to $151 per year depending on your age.
  • Be a safe driver and obey the law to obtain lower insurance rates. Insurance costs can rise by as much as $464 per annum if you are convicted of minor traffic violations. DWI or driving without insurance can result in higher rates.
  • Insuring less can be done by raising your deductibles. For a 40-year old driver, an increase of $500 to $1,000 in physical damage coverage could mean a $228 annual savings, and for a 20-year-old driver, a $452 annual savings.
  • Decreasing your deductibles is more expensive. It could cost you $238 per annum for a 40-year-old driver, and $478 per annum for a 20-year old driver.
  • You may qualify for policy discounts to lower the cost of auto insurance.

Average Jeep Wrangler insurance rates in large US Cities

Average Jeep Wrangler insurance rates

Insurance costs for a Jeep Wrangler vary widely. There are lower premiums such as $1,242 a Year in Columbus OH or $1,010 a Year in Raleigh NC to higher rates such as $3,266 a Year in Miami FL and $2,808 a Year in Philadelphia, PA.

Other cities that offer Jeep Wrangler insurance include Dallas (TX), at $1,782 annually, Tulsa (OK) at an estimated $21,130, Nashville (TN), at an average of $1,694, and Fresno(CA) at an approximate $1,990.

Below is a chart that ranks the average car insurance premiums of a 2021 Jeep Wrangler in America’s largest cities. The costs for a 2021 Jeep Wrangler in Columbus, OH range from $1,242 to $3,190 per year for car coverage in NYC. This is a difference of $1.948.

Jeep Wrangler insurance rates in large US Cities

Average Jeep Wrangler insurance rates by U.S. state

Average Jeep Wrangler prices from each state are as follows: Maine ($1,080), Virginia (1,102), and Idaho ($1,140) have lower insurance costs than states like New York ($1,894) and Louisiana ($2,524). While states such as Michigan ($3,062) and New York ($1,894) have high car insurance rates.

The average Jeep Wrangler Insurance rate in the majority of states is closer to average. States like Wyoming, Minnesota, and New Jersey are included in this group, with average Jeep Wrangler Insurance Rates of $1,522, 1,516, and 1,658 per annum, respectively.

Jeep Wrangler Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama $1,436 $718 $120
Alaska $1,342 $671 $112
Arizona $1,544 $772 $129
Arkansas $1,640 $820 $137
California $1,890 $945 $158
Colorado $1,826 $913 $152
Connecticut $1,870 $935 $156
Delaware $1,852 $926 $154
Florida $2,304 $1,152 $192
Georgia $1,762 $881 $147
Hawaii $1,356 $678 $113
Idaho $1,140 $570 $95
Illinois $1,214 $607 $101
Indiana $1,242 $621 $104
Iowa $1,128 $564 $94
Kansas $1,484 $742 $124
Kentucky $1,934 $967 $161
Louisiana $2,524 $1,262 $210
Maine $1,080 $540 $90
Maryland $1,578 $789 $132
Massachusetts $1,436 $718 $120
Michigan $3,062 $1,531 $255
Minnesota $1,516 $758 $126
Mississippi $1,526 $763 $127
Missouri $1,502 $751 $125
Montana $1,568 $784 $131
Nebraska $1,352 $676 $113
Nevada $1,912 $956 $159
New Hampshire $1,240 $620 $103
New Jersey $1,658 $829 $138
New Mexico $1,478 $739 $123
New York $1,894 $947 $158
North Carolina $1,162 $581 $97
North Dakota $1,314 $657 $110
Ohio $1,148 $574 $96
Oklahoma $1,840 $920 $153
Oregon $1,510 $755 $126
Pennsylvania $1,504 $752 $125
Rhode Island $2,034 $1,017 $170
South Carolina $1,584 $792 $132
South Dakota $1,414 $707 $118
Tennessee $1,416 $708 $118
Texas $1,658 $829 $138
Utah $1,396 $698 $116
Vermont $1,184 $592 $99
Virginia $1,102 $551 $92
Washington $1,344 $672 $112
West Virginia $1,516 $758 $126
Wisconsin $1,246 $623 $104
Wyoming $1,522 $761 $127

Jeep Wrangler insurance: liability vs Full coverage

The following rates are the average Jeep Wrangler driver’s car insurance. Other variables can affect car insurance costs.

In many states, credit scores and gender can have an impact on your car insurance rate. In most states, your age is also a significant factor in determining car insurance rates.

Your car insurance rates will rise in your teens and then decrease with age. Usually, you reach 70 at which time your car insurance rates begin to increase.

Jeep Wrangler car insurance Annual average premium
Minimum coverage $513
Full coverage $1,364

While state minimum liability insurance may be cheaper than full coverage auto insurance, most insurance professionals recommend that you purchase as much liability insurance as possible.

If you are involved in an accident that results in injuries or property damage, liability insurance will provide financial protection.

Full coverage is required if the vehicle is leased or financed. However, it’s worth looking into as a way to protect your vehicle from financial loss or damages in an incident covered.

Your vehicle’s damages in an accident are not covered by liability insurance. You may want to consider buying gap coverage if your Jeep Wrangler has just been purchased.

This will cover the difference between the vehicle’s damage and the amount you owe in case your vehicle is stolen or totaled. The Jeep Wrangler is like most cars. There are many models and trim options. This can affect the cost of auto insurance.

Which Jeep Wrangler insurance rates are the cheapest?

Jeep Wrangler insurance cost

Jeep Wrangler car coverage costs average between $1,294 and $1,890 per year. The Sport 4WD is the cheapest model to insure. Rubicon 4WD, which costs $1,478 annually, is the second most affordable trim level.

For full coverage, budget at a minimum of $108 per month for Jeep Wrangler insurance. According to the trim level, the average Jeep Wrangler Insurance cost per month is between $108 and $158.

The Jeep Wrangler models with the highest insurance rates are the Rubicon392 at $1.890 and Unlimited Rubicon Sky One-Touch Power Top at $1.830 per year. These models will run you an additional $596 per year and $536 per year, respectively, than the Sport 4WD model.

In most cases, insurance coverage is more expensive as vehicle costs rise and add-on package options are added. This generality is pretty consistent with Wrangler, with the most expensive models being the most costly to insure.

The following table shows the average insurance rates applicable to trim levels and other options for the 2022 Jeep Wrangler. These rates can be used for either annual or semi-annual policies.

Insurance for Jeep Wrangler 2022 by Trim Level

Jeep Wrangler Trim Level

Annual Policy Policy Valid for 6 Months Each Month
4WD Sport $1,294 $647 $108
4xe $1,812 $906 $151
Rubicon 4WD $1,478 $739 $123
Rubicon 392 $1,890 $945 $158
Rubicon Body Color 3 Piece Hardtop $1,524 $762 $127
Unlimited Sport 4WD $1,632 $816 $136
Unlimited Sahara 4WD $1,738 $869 $145
Unlimited Rubicon-Sky One-Touch Power Top $1,830 $915 $153
Unlimited Sport Dual Top Group 4WD $1,692 $846 $141
Unlimited Rubicon Dual Top Group 4WD $1,784 $892 $149
Unlimited Rubicon 4WD $1,784 $892 $149
Unlimited Rubicon Body Color 3 Piece Hardtop $1,784 $892 $149
Unlimited Sahara Dual Top Group 4WD $1,784 $892 $149
Unlimited Sahara Body Color 3 Piece Hardtop $1,784 $892 $149
Unlimited Sahara Sky One-Touch Power Top $1,784 $892 $149
Year Model and Vehicle Annual Rate 6-month Rate Monthly Rate
2013 Jeep Wrangler $1,180 $590 $98
2014 Jeep Wrangler $1,240 $620 $103
2015 Jeep Wrangler $1,308 $654 $109
2016 Jeep Wrangler $1,356 $678 $113
2017 Jeep Wrangler $1,496 $748 $125
2018 Jeep Wrangler $1,502 $751 $125
2019 Jeep Wrangler $1,588 $794 $132
2020 Jeep Wrangler $1,652 $826 $138
2021 Jeep Wrangler $1,706 $853 $142

What is the Jeep Wrangler insurance comparison?

Jeep Wrangler vs top 10 small SUVs insurance cost comparison
The Jeep Wrangler is ranked #40 among 41 vehicles in the 2021 small SUV category. Insurance costs for the Wrangler average $1,706 annually. The average category average is $13,357 annually. This is a difference of $349.

Compared to the most popular small SUV models, the Jeep Wrangler insurance costs $270 more annually than the Toyota RAV4, costs $500 more than Honda CR-V, and $424 more than the Chevrolet Equinox. It is also $372 more expensive than the Nissan Rogue.

Although the Wrangler may not be an exact apples-to-apples comparison with some of these smaller grocery-getter SUVs it is still included in the group for comparison purposes.

Below is a chart showing how Wrangler’s insurance rates compare with the other 10 top-selling small SUVs in the 2021 model year. You can also see a larger table that breaks down the insurance rates for each vehicle in the small SUV category.

Jeep Wrangler insurance cost comparison table compared to all small SUVs

Jeep Wrangler Insurance Cost Compared to All Small SUVs
Order Make/Model Insurance Cost Difference
1 Honda CR-V $1,206 -$500
2 Mazda CX-30 $1,226 -$480
3 Ford Ecosport $1,230 -$476
4 Chevrolet Trax $1,246 -$460
5 Toyota C-HR $1,234 -$472
6 Mazda CX-3 $1,160 -$546
7 Hyundai Kona $1,244 -$462
8 Buick Envision $1,254 -$452
9 Mitsubishi Eclipse Cross $1,260 -$446
10 Hyundai Venue $1,258 -$448
11 Hyundai Tucson $1,264 -$442
12 Kia Sportage $1,268 -$438
13 Jeep Compass $1,270 -$436
14 Nissan Kicks $1,256 -$450
15 Mazda CX-5 $1,222 -$484
16 Nissan Rogue Sport $1,242 -$464
17 Kia Soul $1,274 -$432
18 Chevrolet Equinox $1,282 -$424
19 Chevrolet Trailblazer $1,290 -$416
20 Volkswagen Tiguan $1,308 -$398
21 Ford Escape $1,328 -$378
22 Subaru Crosstrek $1,334 -$372
23 Kia Seltos $1,344 -$362
24 Subaru Forester $1,318 -$388
25 Buick Encore $1,334 -$372
26 Honda HR-V $1,302 -$404
27 Nissan Rogue $1,334 -$372
28 Kia Niro $1,450 -$256
29 GMC Terrain $1,346 -$360
30 Ford Bronco $1,612 -$94
31 Volkswagen ID4 $1,382 -$324
32 Jeep Renegade $1,394 -$312
33 Toyota RAV4 $1,436 -$270
34 Fiat 500X $1,386 -$320
35 Mini Cooper Countryman $1,486 -$220
36 Mini Cooper $1,512 -$194
37 Mitsubishi Mirage $1,540 -$166
38 Hyundai Nexo $1,788 $82
39 Mini Cooper Clubman $1,650 -$56
40 Jeep Wrangler $1,706
41 Mitsubishi Outlander $1,678 -$28

Factors that Impact Jeep Wrangler Insurance Rates

Insurance rates for Jeep Wranglers are determined by a number of factors. These factors include:

  • The location of your Jeep Wrangler and where it is stored will also impact insurance rates. Drivers living in larger cities pay slightly more annually than those who live in smaller towns.
  • Vehicle age: Newer Jeep Wrangler model vehicles are typically more expensive to insure due to the higher cost of replacing the vehicle. A 2020 Jeep Wrangler insurance policy costs $1256 per year, which is $1102 more than a 2010 model.
  • Safety ratings and features: Insurance rates are affected by safety features available as well the vehicle’s safety ratings. Jeep Wranglers with high safety ratings and crash test ratings will cost slightly less to insure.
  • Driver age: Younger drivers have higher insurance rates as they are considered to be more at risk. On average, a 20-year-old driver could pay $128 more annually than a 30-year old driver.
  • Driving record Insurers will notice a significant difference in their rates if the insured driver has a poor driving record. Higher insurance rates will be charged to drivers with traffic violations, DUIs, and previous accidents.
  • Trim Level: Your Jeep Wrangler’s specific trim level can have an impact on your insurance rates. Insurance rates can be up to 14 percent higher for sport trim levels that have two doors.
  • Type of insurance you purchased: Your insurance rates will also depend on the insurance coverage that you choose. Some drivers might choose no-fault insurance while others may opt for full coverage. You should also examine your state’s laws to see what each type of insurance covers. Many states have minimum requirements regarding the amount of insurance that you need.

You can compare rates from several insurance providers to find the best deal. The Drive says that Wrangler’s base insurance premium is determined from similar vehicle costs and the average driving record and age of other Wrangler drivers.

Top insurance providers for Jeep Wranglers

It is important to choose the right insurance when protecting yourself and your Jeep Wrangler. It’s helpful to look at the choices of other Jeep Wrangler drivers when choosing their insurance provider. Here are some of the most popular insurance providers among Jeep Wrangler owners:

  • Liberty Mutual
  • GEICO
  • Nationwide
  • Progressive
  • Chubb
  • Allstate
  • USAA
  • State Farm
  • Travelers
  • Farmers

Some of the best insurance companies for Jeep Wranglers are State Farm, Allstate, Esurance, and Liberty Mutual.

Model Year is the best way to find the lowest insurance rates

Older Jeep Wranglers can be more affordable to insure. Rates can also decrease each year. Liberty Mutual, GEICO offers the best Jeep Wrangler insurance rates.

  • The 2021 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $375 from Liberty Mutual
  • The 2020 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $370 from Liberty Mutual
  • The 2019 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $253 from Liberty Mutual
  • The 2018 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $587 from Geico
  • The 2017 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $441 from Geico
  • The 2016 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $567 from Geico
  • The 2015 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $570 from Geico
  • The 2014 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $587 from Geico
  • The 2013 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $447 from Geico
  • The 2012 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $442 from Geico
  • The 2011 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $439 from Geico
  • The 2010 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $383 from State Farm

It is important that you consider other factors when selecting the best insurance provider.

  • The average insurance rate for a 2010 Jeep Wrangler is $1094 per year with full coverage.
  • The average insurance rate for a 2011 Jeep Wrangler is $1102 per year with full coverage.
  • The average insurance rate for a 2012 Jeep Wrangler is $1122 per year for full-coverage insurance.
  • The average insurance rate for a 2013 Jeep Wrangler is $1154 per year with full coverage.
  • The average insurance rate for a 2014 Jeep Wrangler is $1184 per year with full coverage.
  • The average insurance rate for a 2015 Jeep Wrangler is $1,397 per year with full coverage.
  • The average insurance rate for a 2016 Jeep Wrangler is $1454 per year with full coverage.
  • The average insurance rate for a 2017 Jeep Wrangler is $1242 per year for full-coverage insurance.
  • The average insurance rate for a 2018 Jeep Wrangler is $1564 per year for full-coverage insurance.
  • The average insurance rate for a 2019 Jeep Wrangler is $1588 per year for full-coverage insurance.
  • The average insurance rate for a 2020 Jeep Wrangler is $1652 per year for full-coverage insurance.
  • The average insurance rate for a 2021 Jeep Wrangler is $1706 per year for full-coverage insurance.

Frequently Asked Questions

Are Jeep Wranglers cheap insurance?

Insurance costs for Jeep Wranglers average $1,146 per annum. Although insurance costs can vary depending on the provider and your vehicle’s year of manufacture, Jeep Wrangler insurance is typically less expensive than other vehicles.

Is it expensive to insure old jeeps?

We found that older Wranglers were generally cheaper to insure than the newer models. For example, insurance costs for the 2015 Jeep Wrangler Sport were 27% less than those of the comparable model in 2021.

What is the cost of insurance for a 2016 Jeep Wrangler?

The insurance cost for the 2016 Jeep Wrangler is $159 per month or $1,908 per year.

What is the Jeep Wrangler insurance price?

Jeep Wrangler car insurance is $1,706 per year or $142 per month on average. You can expect to pay $349 more annually to insure Jeep Wrangler than similar vehicles and $183 more annually than the national average of $1.523 per vehicle.

What is the cost of insurance for a 2003 Jeep Wrangler

The insurance cost for the 2003 Jeep Wrangler is approximately $79.83 per month or $958 per year

What is the cost of insurance for a Jeep Wrangler for a 16-year-old?

Young drivers will still find Wrangler insurance premiums to be very high. On average, 16-year old drivers pay $438 per month for individual car insurance for a Jeep Wrangler. The price may be higher or lower than that average depending on the model year of the car and where you live

What is the cost of insurance for a Jeep Wrangler for a 17 year old?

A 17-year old driver would pay $737 per month or $8841 annually to obtain their own auto insurance policy.

What is the cost of insurance for a Jeep Wrangler for a 18 year old?

The average insurance cost for an 18-year old Jeep Wrangler driver is $3741 per year.

What is the cost of insurance for a Jeep Wrangler for a 19 year old?

Insurance costs for a Jeep Wrangler driver aged 19 years are $2679 per annum.

What is the cost of insurance for a Jeep Wrangler for a 20 year old?

Insurance costs for a Jeep Wrangler driver aged 20 years are $2391/year.

What is the cost of insurance for a Jeep Wrangler for a 21 year old?

Insurance costs for a 21-year-old Jeep Wrangler driver are $1893 per annum.

What is the cost of insurance for a Jeep Wrangler for a 22 year old?

Insurance costs for a 22 year old Jeep Wrangler driver are $1744 per annum.

What is the cost of insurance for a Jeep Wrangler for a 23 year old?

Insurance costs for a 23-year-old Jeep Wrangler driver are $1596 per annum.

What is the cost of insurance for a Jeep Wrangler for a 24 year old?

Insurance costs for a Jeep Wrangler driver aged 24 years are $1498 per annum.

What is the cost of insurance for a Jeep Wrangler for a 25 year old?

The average insurance cost for a Jeep Wrangler driver aged 25 is $1359 per annum.

What is the cost of insurance for a Jeep Wrangler for a 40 year old?

Insurance costs for a 40-year old Jeep Wrangler driver are $1146 per year.

Important note:

All rates shown above are averages for all insurance companies across states and different model years of Jeep Wrangler. The specific cost for each Jeep Wrangler where you live may be higher or lower than that average depending on the insurance company.

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